Consumer complaint received 2026-02-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: UPGRADE, INC.
State: GA

Complaint narrative:
* This complaint disputes inaccurate, incomplete, and misleading credit reporting appearing on my * * XXXX XXXX, and XXXX credit file * *. The violations include unverified charge-offs, improper postcharge-off reporting, missing payment histories, duplicate reporting between original creditors and debt collectors, and collection accounts reported without lawful validation. These actions violate the * * Fair Credit Reporting Act ( FCRA ) * * and the * * Fair Debt Collection Practices Act ( FDCPA ) * *. # # * * LEGAL AUTHORITY * * * * FCRA ( 15 U.S.C. 1681 et seq. ) * * * 1681e ( b ) Failure to ensure maximum possible accuracy * 1681i Failure to conduct a reasonable reinvestigation * 1681i ( a ) ( 5 ) Requirement to delete unverifiable information * 1681c ( a ) Prohibition against re-aging and obsolete reporting * 1681c-2 Duty to block inaccurate information * 1681s-2 ( b ) Furnisher duty to investigate disputes * * FDCPA * * * 1692g Validation of debts * 1692e False or misleading representations # # * * FDCPA 1692g VALIDATION DEMAND * * The collection agencies listed have failed to provide proper validation of the alleged debts. Under * * 15 U.S.C. 1692g * *, a debt collector must cease collection activity until it provides : * The amount of the debt with * * full itemization * * * The name of the * * original creditor * * * A copy of the * * original contract or agreement * * * A * * complete payment history * * * * * Proof of lawful assignment and chain of title * * * I am disputing the accuracy of this account reporting. The payment history escalation from XX/XX/year> late to XXXX does not reflect proper validation, and the charge-off balance of {$5600.00} account # XXXX lacks a full accounting of interest and fees. The account is marked as sold to XXXX, yet remains reported in a manner suggesting continued liability. Additionally, I am requesting the method of verification used in the prior investigation, including documentation reviewed and the name of the party who verified the information. If complete documentation can not be provided, this account must be deleted pursuant to the Fair Credit Reporting Act for failure to ensure maximum possible accuracy. * The reported balances exceed on accounts # XXXX, and XXXX the stated high credit and charge-off amount, indicating improper interest or fee inflation without proper accounting. Additionally, the Date of First Delinquency conflicts with the reported last payment date, raising concerns of inaccurate delinquency reporting. The account is marked as Transfer/Sold, yet prior balances and reporting history appear inconsistent and incomplete. Several required fields are missing or blank, including credit limit and activity details. Please provide documented verification of the original contract, full payment history, and itemized accounting. If complete and accurate documentation can not be provided, this account must be deleted under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation