Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #9841738
Complaint Overview
Complaint ID: 9841738
Company: Upgrade, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: California
ZIP Code: 92705
Date Received: 2024-08-18T12:00:00-05:00
Date Sent to Company: 2024-08-18T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Identity Theft Report : On XX/XX/year>, I filed an identity theft report with the FTC, which identified the accounts in question ( tradelines UPGRADE XXXX and XXXX ). Ongoing Collection and Reporting : Despite the identity theft report, these accounts were not promptly blocked or deleted from my consumer reports as required by the Fair Credit Reporting Act ( FCRA ). Instead, these entries remained on my consumer reports and I continued to receive collection attempts from multiple agencies, including UPGRADE INC, XXXX XXXX XXXX, XXXX XXXX XXXX. These communications lack proper consent and are misleading and violate my rights under the FCRA and FDCPA. Violation of Privacy Rights : The unauthorized sharing of my personal information with third parties, including consumer reporting agencies, is a gross violation of my privacy rights. I did not authorize this, and any alleged consent is hereby revoked. False and Misleading Correspondence : The fact that I received correspondence from multiple agencies regarding the same alleged debt is both false and misleading, further exacerbating the damage to my credit profile and causing significant stress. Inaccurate reporting : The unauthorized reporting of this alleged debt on my consumer report is not only a violation of my privacy but also contains numerous inaccuracies that violate the FCRA. These inaccuracies, documented in the attached screenshots, are causing significant harm to my credit profile and financial well-being.
Frequently Asked Questions
What is Complaint #9841738 about?
Complaint #9841738 was filed against Upgrade, INC. regarding Credit reporting or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2024-08-18T12:00:00-05:00.
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 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.