Credit reporting, credit repair services, or other personal consumer reports -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #5750274
Complaint Overview
Complaint ID: 5750274
Company: Upgrade, INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-Issue: Their investigation did not fix an error on your report
State: Texas
ZIP Code: 75206
Date Received: 2022-07-08T12:00:00-05:00
Date Sent to Company: 2022-07-08T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am a victim of identity theft. I have contacted Upgrade since last year and they refuse to resolve anything. They can not provide validation of the debt and continue reporting a negative tradelineon my credit report. If they can not provide the following information, I want the negative tradeline to be removed from my credit report. Upgrade, I demand the following : It is my right that under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 1. That Upgrade Inc is complying with all applicable Federal Reserve Policies and Procedures, Federal laws, and State laws requiring the use of Generally Accepted Accounting Principles and Generally Accepted Auditing Standards for all bookkeeping entries associated with performing the Agreement. 2. Audited bookkeeping entries showing assets/liabilities for the account in question. 3. Copy of form 1099 filed by Upgrade Inc regarding the account in question. 4. Copy of insurance policies associated with this account. Please do not confuse this request with a request for copies of any billing statements or a request for copies of any standard cardholder agreements. This is not such a request. Providing those items will verify nothing without the other requested documents.
Frequently Asked Questions
What is Complaint #5750274 about?
Complaint #5750274 was filed against Upgrade, INC. regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Problem with a credit reporting company's investigation into an existing problem. It was received by the CFPB on 2022-07-08T12:00:00-05:00.
How did Upgrade, INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting, credit repair services, or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Upgrade, INC.?
Yes, visit the Upgrade, INC. company profile at readthecomplaint.com/company/upgrade-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.