Consumer complaint received 2025-05-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: UPGRADE, INC.
State: FL

Complaint narrative:
XX/XX/XXXXXXXX XXXX XXXX Upgrade XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX RE : Formal Demand for Debt Validation under 15 U.S.C. 1692g, UCC 9-208, and Notice of Potential Federal Violations To Whom It May Concern : This letter serves as a formal demand for full debt validation in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, the Uniform Commercial Code ( UCC ), XXXX, and as notice of potential criminal violations under 18 U.S.C. 894.

You are hereby notified that I dispute the validity and enforceability of the alleged debt you claim I owe. This letter is sent within the 30-day period after initial communication, and any continued collection activities absent proper validation will constitute a violation of 15 U.S.C. 1692g ( b ). 
XXXX XXXX DEMAND FOR FULL AND SUBSTANTIVE DEBT VALIDATION You are required under federal law to provide the following complete and verified documentation : XXXX. Proof of Debt Ownership : XXXX  Legal evidence that the creditor you represent owns the alleged debt, including a copy of the original contract bearing my signature. 
o A complete and unbroken chain of assignment from the original creditor to the present owner of the debt, with all dates, signatures, and account identifiers unredacted. 
XXXX. Full Itemized Accounting of the Debt : o A full statement of the alleged amount, including principal, interest, fees, charges, and payments made, from origination to present. 
o A breakdown demonstrating how the current balance was calculated. 
XXXX. Proof of Authorization to Collect : o Documentation showing that your company has legal standing and authorization to collect the alleged debt in the state of [ Your State ]. 
XXXX. Verification of the Alleged Debtor : o Valid proof that the alleged debt pertains to me, including identifying information used in the original transaction. 
XXXX XXXX. OBLIGATIONS UNDER UCC 9-208 Pursuant to UCC 9-208 , if you claim to be an assignee of a secured interest, you are legally obligated to confirm or correct the amount and status of the obligation when requested by the debtor. Failure to do so in good faith may render any claimed interest void or unenforceable.

You are now placed on notice that your failure to verify this information may be construed as an affirmation that no enforceable interest exists. 
XXXX XXXX. NOTICE OF POTENTIAL CRIMINAL VIOLATIONS UNDER 18 U.S.C. 894 Be advised : any attempt to collect a debt without proper legal authority, or through false, deceptive, or misleading representations, may be interpreted as extortionate credit practices under 18 U.S.C. 894, a federal crime. Any threats, coercion, or refusal to comply with my lawful demands will be documented and reported to the appropriate state and federal authorities, including the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and State Attorney Generals Office. 
XXXX XXXX CEASE COLLECTION UNTIL FULL VALIDATION IS PROVIDED Until all requested documentation is received and reviewed, you are legally prohibited from continuing collection activity, reporting to credit bureaus, or initiating legal proceedings pursuant to 15 U.S.C. 1692g ( b ). Any such action without compliance shall be considered willful noncompliance with federal law and grounds for civil litigation. 
XXXX XXXX  PRESERVATION OF RIGHTS This letter is not an admission of liability and shall not be construed as a waiver of any legal rights or remedies. I reserve the right to take further legal action if your agency fails to comply with the law. 
XXXX  DEADLINE FOR RESPONSE : 30 DAYS FROM RECEIPT Please provide the full and complete validation as outlined above within 30 calendar days from the date of your receipt of this letter. Any attempt to ignore or sidestep this request will be interpreted as a refusal to validate the debt, and I will take appropriate legal steps, including pursuing claims under the FDCPA, FCRA, and other applicable statutes. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation