Consumer complaint received 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: UPGRADE, INC.
State: CA

Complaint narrative:
b'To Whom It May Concern,\n\nI am submitting this complaint to formally report that XXXX XXXX  and Upgrade, Inc. have failed to respond to my written request for validation of an alleged debt.\n\nOn XXXX I sent both companies a letter pursuant to my rights under the Fair Debt Collection Practices Act (FDCPA), 15 U.S.C.  1692g, requesting proper validation of the debt they are attempting to collect. To date, I have not received a response, acknowledgment, or the requested documentation.\n\nThis lack of response is in violation of federal law, which requires that debt collectors provide consumers with proper validation of the debt when requested in writing. Until such validation is provided, collection activity should not continue.\n\nI respectfully request that the CFPB review this matter and take the appropriate action to ensure these companies comply with their legal obligations.\n\nAttached are copies of my original validation letters, proof of delivery, and any related correspondence for your review.\n\nThank you for your time and assistance.\n\nLETTER 1\n\nTo Whom It May Concern:\nThis letter is regarding account XXXX which you claim XXXX XXXX  or "my account was charged off . This is a formal notice that your claim is disputed. I am requesting\nvalidation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding\nlocal state laws. Please note that I am requesting "validation"; that is competent evidence bearing my signature, showing that I have\n(or ever had) some contractual obligation to pay you.\nPlease also be aware that any negative mark found on my credit reports (including XXXX XXXX XXXX XXXX) from your\ncompany or any company that you represent, for a debt that I don\'t owe, is a violation of the FCRA & FDCPA; therefore if you\ncannot validate the debt, you must request that all credit reporting agencies delete the entry.\nPending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be\ndetrimental to any of my credit reports.\nFailure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my\nlocal venue.\nI would be seeking a minimum of XXXX in damages per violation for:\n  Defamation\n  Negligent Enablement of Identity Fraud\n  Violation of the Fair Debt Collection Practices Act (including but not limited to Section 807-8)\n ? Violation of the Fair Credit Reporting Act (including but not limited to\n Please Note: This notice is an attempt to correct your records, and any\n information received from you will be collected as evidence should any\n further action be necessary. This is a request for information only, and is\n not a statement, election, or waiver of status.\n My contact information is as follows:\n  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.S. Please be aware that dependent upon your response, I may be detailing\n any potential issues with your company via an online public press release,\n including documentation of any potential small claims action. I a m also\n including a copy of my complaint to the organizations below:\n C C : Consumer Financial Protection Bureau\n CC: Attorney General\'s Office\n \nLETTER 2\n\n XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTo Whom It May Concern:\nThis letter is regarding account XXXX  which you claim , "I owe XXXX  or "my account was charged off . This is a formal notice that your claim is disputed. I am\nrequesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the\ncorresponding local state laws. Please note that I am requesting "validation"; that is competent evidence bearing my signature,\nshowing that I have (or ever had) some contractual obligation to pay you.\nPlease also be aware that any negative mark found on my credit reports (including XXXX XXXX XXXX XXXX  from your\ncompany or any company that you represent, for a debt that I don\'t owe, is a violation of the FCRA & FDCPA; therefore if you\ncannot validate the debt, you must request that all credit reporting agencies delete the entry.\nPending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be\ndetrimental to any of my credit reports.\nFailure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my\nlocal venue.\nI would be seeking a minimum of XXXX XXXXn damages per violation for:\n  Defamation\n  Negligent Enablement of Identity Fraud\n  Violation of the Fair Debt Collection Practices Act (including but not limited to Section 807-8)\n ? Violation of the Fair Credit Reporting Act (including but not limited to\n Please Note: This notice is an attempt to correct your records, and any\n information received from you will be collected as evidence should any\n further action be necessary. This is a request for information only, and is\n not a statement, election, or waiver of status.\n My contact information is as follows:\XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  P.S. Please be aware that dependent upon your response, I may be detailing\n any potential issues with your company via an online public press release,\n including documentation of any potential small claims action. I a m also\n including a copy of my complaint to the organizations below:\n C C : Consumer Financial Protection Bureau\n CC: Attorney General\'s Office'

Company response to consumer: Closed with explanation