Consumer complaint received 2025-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: UPGRADE, INC.
State: NJ

Complaint narrative:
Complaint to the Consumer Financial Protection Bureau ( CFPB ) Date : XX/XX/XXXX Subject : Complaint Against XXXX for Furnishing Fraudulent Information Due to Identity Theft Resulting from XXXX XXXX XXXX ( XXXX ) To Whom It May Concern, I am writing to file a formal complaint against XXXX for mishandling my credit report and furnishing fraudulent information as a result of identity theft. I am a victim of identity theft, and my personal information was exposed during the XXXX data breach in XXXX. Despite my efforts to address and resolve this issue, XXXX has continued to allow fraudulent information to appear on my credit report and has failed to follow the legal requirements under the Fair Credit Reporting Act ( FCRA ), specifically Section 605B, regarding identity theft. 

Identity Theft Details : My name is XXXX XXXX, and I am the victim of identity theft. The breach of my personal data in the XXXX breach of XXXX exposed sensitive information that was subsequently used by fraudsters to open accounts in my name. As a direct result of this, my credit report from XXXX now contains inaccurate, fraudulent information. 

Violation of FCRA Section 605B : According to Section 605B of the Fair Credit Reporting Act, when a consumer disputes information on their credit report due to identity theft, the credit reporting agency ( XXXX in this case ) is required to remove the fraudulent information within 4 days of receiving the identity theft dispute. Despite notifying XXXX of the fraudulent entries on my credit report, the company has failed to comply with this legal obligation, continuing to report the disputed, inaccurate information and causing me financial harm. 

Request for Immediate Action : I am requesting that the CFPB investigate XXXX for failing to properly handle my identity theft dispute and for allowing fraudulent information to remain on my credit report. The actions of XXXX are in violation of the protections afforded to me under FCRA Section 605B. I am seeking the immediate removal of all fraudulent accounts and information associated with my name from my credit report. 

Additionally, I request that XXXX be held accountable for any damage caused to my credit score, financial reputation, and overall well-being due to the continued presence of this inaccurate information. 

Conclusion : As a victim of identity theft, I am entitled to a prompt resolution under the law, and Experians failure to act appropriately violates my rights. I respectfully ask that the CFPB investigate this matter and ensure that XXXX complies with the legal standards set forth in the FCRA. 

Thank you for your attention to this matter. Please feel free to contact me should you require any additional information or documentation regarding this complaint. 

Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation