Consumer complaint received 2024-02-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Upgrade, Inc. (OK)

On XX/XX/XXXX I received a letter from XXXX XXXX XXXX XXXX XXXX. in regards to an attempt to collect a debt. The original furnisher listed is Upgrade Inc, to whom which sold the debt to XXXX XXXX XXXX XXXX, XXXX. The debt in question is for the amount of {$2400.00}. As of XX/XX/XXXX I am officially disputing all of this debt. I am filing this complaint to dispute the debt that you are attempting to collect on behalf of XXXX XXXX XXXX. The account is in regards to File No. XXXX. I am disputing this debt because I do not believe that I owe this debt. Please be advise that I have and will continue to dispute the origin of this account with the credit bureaus as I have already made it clear this account was and must be a result of identity theft. I have disputed this numerous times with the credit bureaus and Upgrade Inc, and XXXX XXXX XXXX XXXX. I do not recall ever having an account with Upgrade Inc . Furthermore, I have never signed an agreement for my information to be shared or sold to XXXX XXXX XXXX, nor do I have a contract nor have I ever signed a contract with Upgrade Inc, XXXX XXXX XXXX or XXXX XXXX XXXX XXXX XXXX. This is a direct violation of my consumer rights cited by the FDCPA. I am requesting that you verify this debt. Please provide me with copies of all original written documentation that you have that supports this debt, including the original bill, any payment records, and any correspondence that you have had with me regarding this debt. Please be advise these documents must have my consent stating I owe this debt to XXXX XXXX XXXX, XXXX XXXX XXXX, or to XXXX XXXX XXXX XXXX XXXX. This must be written, original documentation, not electronic forms or scans. Again note that this account with XXXX has already been disputed on several occasions in regards to it being a result of identity theft. My information was leaked as part of the XXXX XXXX in XXXX. ( see attached documents ) In XXXX of XXXX my information was found to have been leaked online, which would be a result of the breach with XXXX. ( see attached documents ) This leak included and not limited to my name, address, email, phone number, ssn, dob. I submitted all documents to Upgrade as well as the credit bureaus to which Upgrade continues to reinsert the tradeline in question after the credit bureaus have ruled in my favor, without proving that the account in question is in fact mine. This account in question was opened online as far as I am aware therefore anyone could have used my information to have opened this account. Upgrade requested info to bank accounts used and I have stated numerous times I do not have an account with any bank accounts used to fund the fraudulent account. I have filed multiple disputes and complaints to CFPB, XXXX FTC and Attorney General Office and Upgrade continues to ignore more request to remove this account from reporting on my credit report. Furthermore they fail to take this identity theft seriously. Because of the constant lack of care and responsibility on all parties, I am requesting XXXX XXXX XXXX XXXX XXXX. cease and desist all communication with me regarding the debt. If you are unable to verify this debt, I request Upgrade Inc, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. cease and desist all attempts to collect this debt further. Thank you for your time and attention to this matter.