Consumer complaint received 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: UPGRADE, INC.
State: CA

Complaint narrative:
Hi, I can not add anything else to a closed report. My initial report was XXXX. During the time of discovery of unknown accounts I reported any information that I had during the time a couple of weeks ago. With the last information reported from XXXX, I called the number that they provided from XXXX XXXX. I spoke to XXXX from XXXX XXXX on XX/XX/XXXX and the representative stated that there was nothing under my name and that I settled the accounts. I was advised to contact Uplift but I'm quite confused because the evidence of reports and verification letter that I sent, I never got a response to. Upon searching their address in XXXX, CA it's reported as closed but it's the address on file for their creditor information. When I spoke to someone from XXXX on XX/XX/XXXX, I spoke to representative by the name of XXXX and she was referring to this company as XXXX. I just need the negative remarks to stop but don't know who is the right person to speak to as the third party agency that was given to me stated they have nothing under my name that needs to be addressed. As for XXXX, I've been in a long investigation with them. They have concluded as the accounts as verified but was unable to give me an address that these accounts were opened under. I also gave proof of my bank account and debit card information to support that whatever accounts were on there weren't mine. They also stated that notifications were sent to me when they never had my current address until XX/XX/XXXX. XXXX was unable to confirm what address was on file. They also denied my claim because of the " amount of time '' that has passed. My credit monitoring always defaulted to XXXX in which all is great there but upon pulling reports with XXXX and XXXX these accounts were discovered. Had I received a notification I would have known about these accounts. With the given accounts from XXXX I also discovered that these accounts were all mostly virtual cards that were created. XXXX has failed to provide me with the IP address that they are tracking. I asked if they could see an address and was told that they couldn't. I then asked who can provide me with this information. I believe someone opened these accounts under my name as last year in XXXX, I received a notification that someone was trying to open a credit card under my name. I immediately called the credit bureau and put a freeze on my account and a freeze has been in place since then. With the information given and provided this just leads to tell me that someone opened these accounts with XXXX during that time. If it's beneficial, I was also part of the settlement from XXXX as they confirmed my information was leaked when I was an active user of that app. This is all the information I have up to date, my goal was to primarily structure out the XXXX reporting that is inaccurate, the XXXX accounts are still under investigation under my end.

Company response to consumer: Closed with explanation