Consumer complaint received 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: UPGRADE, INC.
State: MN

Complaint narrative:
I am disputing multiple closed accounts on my XXXX  credit report that I did not open or authorize. I have repeatedly requested verification and removal of these accounts, including submitting formal disputes and cease-and-desist notices to the creditors and XXXX. XXXX  has failed to investigate or respond appropriately. 

I have attached a full list of all closed accounts that I demand be removed under my rights pursuant to the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), specifically : 1681c-2 ( a ) : Requires the removal of outdated or unverifiable information at the consumers request.

1681i ( a ) : Requires credit reporting agencies to conduct a reasonable investigation of any disputed item.

1681e ( b ) : Requires CRAs to maintain and report only accurate and complete information. 

The accounts I am disputing include, but are not limited to : The accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX may  attempt the following rebuttals, which I preemptively address : XXXX. We have reported what the creditor provided. FCRA XXXX ( a ) obligates XXXX  to independently investigate disputes ; providing unverifiable accounts is noncompliant. 
XXXX. The account is closed ; it must remain on the report. FCRA 1681c-2 ( a ) and 1681i ( a ) allow removal of outdated or unverified closed accounts. 
XXXX. We need more information from you. I have already provided proof of identity ( drivers license and passport ), proof of address, prior dispute confirmations, and cease-and-desist notices. 

These accounts are inaccurate, unverifiable, and outdated, and their continued reporting is causing measurable financial harm, including hindering my ability to secure credit. I demand that all disputed accounts be removed immediately, and I will escalate to the CFPB, FTC, and other federal oversight agencies if XXXX  fails to comply. 

Supporting evidence attached : Proof of identity ( drivers license, passport ) Proof of current address ( utility bill ) Prior dispute confirmations for unauthorized accounts Cease-and-desist notices sent to creditors Screenshots of my credit report highlighting the disputed accounts

Company response to consumer: Closed with explanation