Consumer complaint received 2025-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: UPGRADE, INC.
State: CA

Complaint narrative:
XXXX XXXX of payment Agreement XX/XX/XXXX Account number # XXXX TO : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Dear, CEO XXXX XXXX After carefully going over my agreement/ promissory note I have some concerns. 

I believe that there is a trustee relationship that has not been Clarified in your document. 

I am certain that you are a trustee in a fiduciary obligation to me The living human beneficiary of the public cestui Que trust.

UCC 3-307 I know there is no lawful money, gold or silver coin. 

I noticed that my name is XXXX XXXX on the paper work. 
My Lawful name is XXXX XXXX XXXX XXXX The all caps name is a name of my government created commercial name And money of account number social security cestui que trust. 

The promissory note is a negotiable instrument correct?

And will be publicly traded on the open market correct?

UCC 3-104 I have noted that I the beneficiary am threatened with adverse legal actions. If I can not pay this off in a timely manner.

And I will be reported to the credit reporting agencies. Is this a threat of adverse action against the beneficiary of the public trust funds?

Ive done my research and found that money as we know it is not money. This is from blacks law : MONEY. In usual and ordinary acceptation it means gold, silver, or paper money used as circulating medium of exchange, And does not embrace notes, bonds, evidences of debt, or other personal or real estate. XXXX XXXX XXXX, XXXX Ky. 

I have found that nothing can pay debts and negotiable instruments are very widely used in our corporate financial structure.debts can only be XXXXischarged. HJR 192 73-10 Here is what XXXX  law says about the promissory note : PROMISSORY NOTE. A promise or engagement, in writing, to pay a specified sum at a time therein limited, or on demand, or at sight, to a person therein named, or to his order, or bearerXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX, XXXX. A written promise made by XXXX or more to pay another, or order, or bearer, at a specified time, a specific amount of money, or other articles of value. 

All debts are a obligation of the XXXXS GOVERNMENT 18 USC 8 And banks can not loan their own money they can create debentures 12 US code 83 Promissory notes are collateral at the Federal reserve window correct? 12 U.S. code 412 Please prove to me that this applies to me the Living human since Corporate can only communicate with corporate.

The credit reporting agencies is a cover for fraud and menace in my opinion the creditors are the beneficiaries of the trust and estate funds. 

These funds were borrowed from my estate and trust person Person IRC XXXX ( a ) ( XXXX ) does not refer to " person '' in the usual sense of a living human being. Rather, XXXX. XXXX ( a ) instructs that the term " person '' includes an individual, corporation, partnership, trust or estate, joint-stock company , association , syndicate , group, pool, joint venture or other unincorporated organization or group, guardian, committee, trustee, executor, administrator, trustee in bankruptcy, receiver, assignee for the benefit of creditors, conservator, or any person acting in a fiduciary capacity.

The taxpayer is my corporate entity.

IRC 7701 ( a ) ( 3 ) provides that the term " corporation '' includes associations, joint-stock companies and insurance companies. In general, the Code treats each corporation as an independent taxpaying entity, XXXX XXXX XXXX when searching for the CEO of UPGRADE I found your name. And I see that in XXXX that the SEC came after you. I am glad this has been resolved. 

We are in a very troubled world where mercy and grace are so needed. 

XXXX XXXX XXXX I am requesting a response not in form letter. 

I am requesting a signed affidavit of truth to these following questions : XXXX. Can you prove that a corporation can contract with a living human being? And if so with what money? 

XXXX. Can you prove that this is not a cestui que trust action? 
XXXX. Can you prove that you or any other agent are not a trustee in a fiduciary relationship with my estate/trust person? 
XXXX. Can you prove that the promissory note will not in some way benefit you more than the beneficiary? 
XXXX. Can you prove that I must repay in federal reserve promissory notes? 
XXXX. Can you prove that there is absolutely no other remedy for the estate beneficiary living human person. 
XXXX. Can you prove that you have XXXX access to my estate funds this is proven through IRS PUB 6209 sec 2-4 all W2s 1099s are class 5 gift and estate/trust tax forms.

8. Can you prove that this alleged debt is not prepaid through the promissory note. 
Please note I am seeking discharge of the government obligation pursuant to XXXX XXXX XXXX PLEASE RESPOND WITHIN XXXX BUSINESS DAYS OF THIS NOTE. 

I am aware of the CFPB, Comptroller of the currency and FTC. 

All rights reserved /without prejudice Signed by my hand. 
_____________________ Notary signature _________________________

Company response to consumer: Closed with explanation