Credit reporting, credit repair services, or other personal consumer reports -- Improper use of your report -- Complaint #7074642
Complaint Overview
Complaint ID: 7074642
Company: Upgrade, INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: South Carolina
ZIP Code: 29154
Date Received: 2023-06-05T12:00:00-05:00
Date Sent to Company: 2023-06-05T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Under what authority, statute, or law does UPGRADE INC. have to share and or furnish my nonpublic, private, personal, identifying financial information? UPGRADE INC. is sharing my consumers private, personal, nonpublic, identifying financial information, transactions, and experiences to third parties, which include but may not be limited to consumer reporting agencies ; and these actions are causing the consumer to sustain injuries. I recently learned that consumers have privacy rights secured to them under the Gramm Leach Bliley Act 15 USC 6802 and the Fair Credit Reporting Act 15 USC 1681a ( d ) ( 2 ) ( A ), that requires any financial institution desiring to disclose/share and or furnish private, nonpublic, personal identifiable financial account information, transactions and experiences about any customer and or consumer, must first provide proper disclosure regarding its intent to do so, as well as give the consumer an opportunity to opt out. UPGRADE INC. is hereby notified of the following : ANY and ALL consent assumed or obtained by UPGRADE INC. from the consumer, ( XXXX XXXX XXXX ) that granted it permission to disclose, share, or furnish the private, personal, nonpublic, identifiable financial information. transactions and experiences, whether it was expressed or implied is now REVOKED, TERMINATED, CANCELED, and RESCINDED retroactively to the date that such consent was presumed to be obtained, to-date. It was never my intention to willfully surrender any legal right to privacy, nor do I believe I have done so in any way ; therefore, I am investigating the validity of the " consent '' assumed or obtained by UPGRADE INC .
Frequently Asked Questions
What is Complaint #7074642 about?
Complaint #7074642 was filed against Upgrade, INC. regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2023-06-05T12:00:00-05:00.
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.