Consumer complaint received 2024-12-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UPGRADE, INC.
State: MI

Complaint narrative:
I received a letter from XXXX XXXX XXXX XXXX XXXX saying that Upgrade Inc authorized XXXX XXXX XXXX XXXX XXXX to settle a debt. First you say I owe Upgrade, then you say you need my help to collect ; which one is it? Are you using false and misleading language because I have no clue what this debt is or where it came from. I cant believe Upgrade Inc authorized you to do anything because I have not given them permission to share any information ; I'm not sure what implied consent they think they have! I will not be paying you or Upgrade anything! This complaint serves as my second notice to request validation of the alleged debt. I sent you a notice via certified mail and you signed for it on XX/XX/year>. You have sent nothing that I asked for to prove your allegations against me. Since you were so quick to state I owe something, be just as quick to provide the information I previously requested plus the additional information that I want now. Did you prove that I owed Upgrade anything before they supposedly authorized you to collect an alleged debt? WHERE'S THE SSA-89, I want your authorization to open the account? Where's the W-9, I want it? Where's the original application, I want that too? I want the accounting, both the accounts receivable and accounts payable for the debt I allegedly owe, do you have those records? Where's proof that you sent the REGULATION F DISCLOSURES and other required disclosures since you allege I owe? I want a sworn affidavit verifying your claim against me with a hand signed invoice. I want a copy of a lawfully binding contract between us showing equal consideration and the lawfully binding contract between you and Upgrade , Inc showing your authority to collect this alleged debt on their behalf. This is notice that I'm going to file suit since you have not proven any of the alleged claims you made against me. NEITHER YOU OR UPGRADE INC HAVE MY CONSENT ; that authorized use of credit I received no consideration or benefit. You are claiming to be the creditor and will be held liable under TILA. You both are in violation of FDCPA for harassment and furnishing false and misleading information to other third parties without my consent. I have previously asked Upgrade for accounting records for this alleged debt and they also have not provided the requested accounting records. This is notice that I refuse to pay either of you and to cease and desist any collection. You are to remove any information reported to the credit agencies that is damaging to my reputation and character. I believe this information is false, incomplete, inaccurate, unverifiable, misleading, and unauthorized. I believe Upgrade Inc and XXXX XXXX XXXX XXXX XXXX is purposely withholding the information I've requested while continuing to damage my good name. Have the credit agencies obtained any of this information to prove I owe this alleged debt before reporting information before aiding in my XXXX XXXXXXXX? How would you like me to make allegations that you owe a debt and refuse to provide any proof? How would you like me to tarnish your name with those same allegations by reporting it to third parties? I demand the requested information immediately AND I am attaching my most recent request for information from XXXX XXXX XXXX XXXX XXXX. They should have no problem providing EVERYTHING that I'm asking for since they claim they have been AUTHORIZED by Upgrade Inc to collect an alleged debt.

Company response to consumer: Closed with explanation