{"took":1798,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":4863,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v2","_id":"9982635","_score":1.0,"_source":{"product":"Payday loan, title loan, personal loan, or advance loan","complaint_what_happened":"I have multiple accounts with Upgrade, including personal loans, checking and savings accounts. One of the loans is set up on auto-pay from the Upgrade checking account ( ending in XXXX ). The autopay was set to pay {$330.00} on XX/XX/year>. I noticed the account did not have enough to cover the payment, so I transferred funds from my Upgrade savings account ( ending in XXXX ) into the checking. Per Upgrade, these funds are available immediately since it is an internal account transfer. \n\nThe account had just enough to cover the loan payment, but I later received notice that the loan payment was not made due to insufficient funds, and I was charged a {$10.00} late fee. I have since rescheduled the original payment amount of {$330.00}, but I want the {$10.00} fee reversed since my account did have the funds available to cover the loan payment on XX/XX/year>. \n\nI tried numerous times to contact the company and request the fee be reversed, but every time I call I am told that \" a different department handles that '' and I just keep getting transferred around.","date_sent_to_company":"2024-09-01T20:43:13.000Z","issue":"Charged fees or interest you didn't expect","sub_product":"Installment loan","zip_code":"55123","tags":null,"has_narrative":true,"complaint_id":"9982635","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"UPGRADE, INC.","date_received":"2024-09-01T20:28:53.000Z","state":"MN","company_public_response":null,"sub_issue":null},"sort":[1.0,"9982635"]},{"_index":"complaint-public-v2","_id":"9968301","_score":1.0,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"","date_sent_to_company":"2024-08-30T22:08:59.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30188","tags":null,"has_narrative":false,"complaint_id":"9968301","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"UPGRADE, INC.","date_received":"2024-08-30T22:05:03.000Z","state":"GA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"sort":[1.0,"9968301"]},{"_index":"complaint-public-v2","_id":"9957054","_score":1.0,"_source":{"product":"Payday loan, title loan, personal loan, or advance loan","complaint_what_happened":"Applied for a personal loan on XX/XX/year> to consolidate debt. I was offered a rate with the stipulation of a portion of the loan going to direct payment of the creditors listed. There was no indication that certain creditors were not eligible for the program and that they \" couldn't '' be paid off in this way. The solution was a product with an interest rate XXXX full points higher ( XXXX % ), materially increasing the cost of the loan. There was no discussion of what \" direct payment '' meant and that it was limited to a number of institutions with preexisting relationships. I now have a credit inquiry on my report that I would like to have removed. They declined removing the inquiry when I asked. \n\nThe offering of XXXX service that can not be fulfilled without specific circumstances that are not disclosed only to offer another at a higher rate is clearly bait and switch.","date_sent_to_company":"2024-08-29T14:28:15.000Z","issue":"Getting the loan","sub_product":"Installment loan","zip_code":"48382","tags":null,"has_narrative":true,"complaint_id":"9957054","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"UPGRADE, INC.","date_received":"2024-08-29T14:13:19.000Z","state":"MI","company_public_response":null,"sub_issue":null},"sort":[1.0,"9957054"]},{"_index":"complaint-public-v2","_id":"9956873","_score":1.0,"_source":{"product":"Credit card","complaint_what_happened":"","date_sent_to_company":"2024-08-29T17:56:37.000Z","issue":"Getting a credit card","sub_product":"General-purpose credit card or charge card","zip_code":"43609","tags":null,"has_narrative":false,"complaint_id":"9956873","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"UPGRADE, INC.","date_received":"2024-08-29T17:45:21.000Z","state":"OH","company_public_response":null,"sub_issue":"Card opened without my consent or knowledge"},"sort":[1.0,"9956873"]},{"_index":"complaint-public-v2","_id":"9942136","_score":1.0,"_source":{"product":"Checking or savings account","complaint_what_happened":"","date_sent_to_company":"2024-08-28T02:07:39.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"33872","tags":null,"has_narrative":false,"complaint_id":"9942136","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"UPGRADE, INC.","date_received":"2024-08-28T01:57:02.000Z","state":"FL","company_public_response":null,"sub_issue":"Banking errors"},"sort":[1.0,"9942136"]},{"_index":"complaint-public-v2","_id":"9940327","_score":1.0,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am a victim of identity theft. Between the credit bureaus and finance companies, no or are abiding by fair credit act and bringing a resolution to my issue. Countless fraudulent accounts have been opened under my name and Im disputing them as such.","date_sent_to_company":"2024-08-27T13:14:08.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"95758","tags":null,"has_narrative":true,"complaint_id":"9940327","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"UPGRADE, INC.","date_received":"2024-08-27T13:14:05.000Z","state":"CA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"sort":[1.0,"9940327"]},{"_index":"complaint-public-v2","_id":"9936748","_score":1.0,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX  Reported : XXXX XXXX, XXXXXXXX XXXX {$910.00} Closed XXXX XXXX  Reported : XXXX XXXX, XXXX + {$1000.00} Closed XXXX XXXX Reported : XXXX XXXX, XXXX + {$0.00} Closed UPGRADE INC Reported XXXX XXXX XXXX, XXXX {$0.00} Closed XXXX XXXX XXXX XXXX Reported XXXX XXXX XXXX, XXXX - {$3900.00} Needs Attention I never opened these accounts, I've reached out to these creditors several times explaining someone opened these fraudulently. I've asked them to remove these","date_sent_to_company":"2024-08-27T17:46:58.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"28054","tags":null,"has_narrative":true,"complaint_id":"9936748","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"UPGRADE, INC.","date_received":"2024-08-27T17:46:54.000Z","state":"NC","company_public_response":null,"sub_issue":"Information belongs to someone else"},"sort":[1.0,"9936748"]},{"_index":"complaint-public-v2","_id":"9935839","_score":1.0,"_source":{"product":"Payday loan, title loan, personal loan, or advance loan","complaint_what_happened":"Only made charges/draws on this account from XX/XX/XXXX- XX/XX/XXXX and the highest balance ever on this account was {$11000.00} in XX/XX/XXXX per all the statements provided. XXXX charges/draws ever from XX/XX/XXXX - XX/XX/XXXX or to present ( XX/XX/XXXX ). I made a full balance payment of {$11000.00} on XX/XX/XXXX. After I made the full statement balance payment the company added {$1600.00} in charges dating back to XXXX for charges never made : XX/XX/XXXX - XX/XX/XXXX {$61.00}, XX/XX/XXXX - XX/XX/XXXX {$35.00}, XX/XX/XXXX - XX/XX/XXXX {$91.00}, XX/XX/XXXX - XX/XX/XXXX {$50.00}, XX/XX/XXXX - XX/XX/XXXX {$420.00} XX/XX/XXXX - XX/XX/XXXX {$960.00}. Additionally, the company requested an immediate payment due of {$520.00} and cited it as being past due. After requesting from the company where these charges originated from, the company cited new interest charges and would not provide any additional information. I unsuccessfully tried to obtain more clarification concerning these charges and the company begin to start charging interest on top of the interest ( which I believe to be illegal if no principal balance exists ) and would not lower the month payment in order to give me time to figure out where the charges originated from. Eventually I ended up paying over $ XXXX more to them from XX/XX/XXXX- XX/XX/XXXX. This company went as low as processing it as a charge off for {$710.00} even after I paid them over {$750.00}. This company is illegally adding additional charges to consumers accounts, adding interest on interest balances, demanding payment and erroneously reporting false credit information on fraudulent add on charges.","date_sent_to_company":"2024-08-27T13:59:27.000Z","issue":"Problem with the payoff process at the end of the loan","sub_product":"Personal line of credit","zip_code":"30328","tags":"Servicemember","has_narrative":true,"complaint_id":"9935839","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"UPGRADE, INC.","date_received":"2024-08-27T13:17:46.000Z","state":"GA","company_public_response":null,"sub_issue":null},"sort":[1.0,"9935839"]},{"_index":"complaint-public-v2","_id":"9925720","_score":1.0,"_source":{"product":"Payday loan, title loan, personal loan, or advance loan","complaint_what_happened":"On XX/XX/year>, I completed a refinancing/ debt consolidation. I recieved 3rd party check from XXXX XXXX XXXX XXXX. I mailed they balance for my account to be in full. Upgrade Inc received and cashed the check on XX/XX/year>. Upgrade never applied the amount to my account. I called numerous times and spoke to several supervisors about this matter no one could help me.","date_sent_to_company":"2024-08-26T17:14:16.000Z","issue":"Problem with the payoff process at the end of the loan","sub_product":"Installment loan","zip_code":"07108","tags":"Servicemember","has_narrative":true,"complaint_id":"9925720","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"UPGRADE, INC.","date_received":"2024-08-26T17:02:00.000Z","state":"NJ","company_public_response":null,"sub_issue":null},"sort":[1.0,"9925720"]},{"_index":"complaint-public-v2","_id":"9925274","_score":1.0,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I sent this to XXXX concerning Upgrade XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/year> To Whom It May Concern, I recently sent you a letter last month because you are reporting some late payments that are NOT accurate and I would like you to update these late payments to being ON TIME PAID AS AGREED. I have listed the account name and account number below along with the dates you are reporting late, and those dates need to be changed to PAID AS AGREED. You seem to not understand how serious this is because you have not corrected this issue. As a reminder, a consumer can sue {$1000.00} per item that is not accurate on their report. \n\nAlso, this letter is a formal complaint that you are reporting to my consumer report fraudulently. \n\nAccording to the TRUTH IN LENDING ACT ( TILA ) 15 U.S. Code 1637 ( b ) ( 2 ) ( a ), it is a fact that I, the consumer is aware, in there has been statements which have not matched my records and statements which have not been in accordance with the disclosure from the companies listed below that I have received at the consummation of the transaction. I am formally giving notice of this billing error until I receive all documentary evidence. Until this documentary evidence has been received, this reporting error is a violation of 15 U.S. Code 1666 ( b ) ( 2 ).","date_sent_to_company":"2024-08-26T20:21:50.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"304XX","tags":"Servicemember","has_narrative":true,"complaint_id":"9925274","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"UPGRADE, INC.","date_received":"2024-08-26T20:03:14.000Z","state":"GA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"sort":[1.0,"9925274"]},{"_index":"complaint-public-v2","_id":"9923161","_score":1.0,"_source":{"product":"Credit card","complaint_what_happened":"XX/XX/year> I had called and asked to redeem rewards earned for my spending and to request a withdrawal from a line said to stay open revolving for 5 years and their had been a restriction placed on my account this issue was escalated to be removed and resolved prior to my request to be completed, I was told to call back to check the status and I did a few hours later, I logged in my account had been closed, they kept the rewards and had them forfeited and I had to make and over payment to the account of XXXX because they failed to apply my payment to the account in a timely manner? \nAccount/Order/Tracking number : XXXX Money paid to business : XXXX Desired settlement : Reopening an active account?","date_sent_to_company":"2024-08-26T23:54:07.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"76180","tags":null,"has_narrative":true,"complaint_id":"9923161","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"UPGRADE, INC.","date_received":"2024-08-26T23:42:19.000Z","state":"TX","company_public_response":null,"sub_issue":"Credit card company forcing arbitration"},"sort":[1.0,"9923161"]},{"_index":"complaint-public-v2","_id":"9921331","_score":1.0,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XX/XX/year> Dear ( XXXX, XXXX, XXXX ) I received a copy of my credit report and I have found the following item listed below to be in error. This account is listed with late or missed payments and that is incorrect. The following account was NEVER late and should be listed as PAYS or PAID AS AGREED. The account listed below was put on a Financial Hardship agree as of XXXXXXXX  due to a natural disaster in XXXX, FL . On this date Upgrade was aware of three hurricanes hitting in my area. So I was advised by a representative that I would be put on a financial hardship agreement where I would only pay {$30.00} a month. I mad those payments and even paid over {$30.00} some months. Then XXXX XXXX XXXX was hit by hurricane XXXX that turn into a tropical storm. I contacted upgrade again and they switch my hardship to a deferred plan. With both plans per contract they do not report to the credit bureau. I will be attaching statements that show I was making {$30.00} payments or more per my Financial hardship contract. \n\n\nUpgrade XXXX Account Number # XXXX I was never late on ( XX/XX/year> ) on this account please update the account as Paid/Current.","date_sent_to_company":"2024-08-27T02:51:13.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"9921331","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"UPGRADE, INC.","date_received":"2024-08-27T02:08:23.000Z","state":"FL","company_public_response":null,"sub_issue":"Account status incorrect"},"sort":[1.0,"9921331"]},{"_index":"complaint-public-v2","_id":"9919011","_score":1.0,"_source":{"product":"Debt collection","complaint_what_happened":"XXXX Receiving repeated calls regarding a debt owed was even yelled at by caller.","date_sent_to_company":"2024-08-26T02:29:53.000Z","issue":"Communication tactics","sub_product":"Credit card debt","zip_code":"77089","tags":null,"has_narrative":true,"complaint_id":"9919011","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"UPGRADE, INC.","date_received":"2024-08-26T02:19:57.000Z","state":"TX","company_public_response":null,"sub_issue":"You told them to stop contacting you, but they keep trying"},"sort":[1.0,"9919011"]},{"_index":"complaint-public-v2","_id":"9910380","_score":1.0,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"","date_sent_to_company":"2024-08-25T16:50:09.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"28277","tags":null,"has_narrative":false,"complaint_id":"9910380","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"UPGRADE, INC.","date_received":"2024-08-24T18:17:33.000Z","state":"NC","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"sort":[1.0,"9910380"]},{"_index":"complaint-public-v2","_id":"9909407","_score":1.0,"_source":{"product":"Debt collection","complaint_what_happened":"Upon reviewing my consumer file I notice a collection from a company called Upgrade Inc . I requested valid verification from this company in per suite to make clear of this alleged debt. I have not received anything and is concerned that this company is in violation of the FCRA laws 15 USC 1681 and Fair debt collection practice act 15 USC 1692g","date_sent_to_company":"2024-08-25T16:02:19.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"30281","tags":null,"has_narrative":true,"complaint_id":"9909407","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"UPGRADE, INC.","date_received":"2024-08-25T15:51:31.000Z","state":"GA","company_public_response":null,"sub_issue":"Debt was result of identity theft"},"sort":[1.0,"9909407"]},{"_index":"complaint-public-v2","_id":"9909095","_score":1.0,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer.","date_sent_to_company":"2024-08-25T18:05:09.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"77493","tags":null,"has_narrative":true,"complaint_id":"9909095","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"UPGRADE, INC.","date_received":"2024-08-25T17:58:41.000Z","state":"TX","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"sort":[1.0,"9909095"]},{"_index":"complaint-public-v2","_id":"9906540","_score":1.0,"_source":{"product":"Checking or savings account","complaint_what_happened":"I talk to My Bank, XXXX XXXX 2024 and to day is past XXXX XXXX 2024 there I sent, all documeants requesteeded to My bank. Phone comunication several did not get a customer response to get the, things needed for the result of a dispute. All, the time of the conversation told me to do this an, I did it. \n\nMy dispute result was on, thurs. past and My bank did not get to eleivieate, the problem occuring. \nAfter talking. To them, several proceeses an did not get an answer for why? The account suspendeeded be cause of the descrepeant errores occuring. I continue to get different answeres. Every. \n\nTime, I call to and other Phone no. 's Bank An Dividuele many. \n\nGive, Me The wrong. Answer. There an, be fore happen to occur. XXXXXXXX XXXX  did not give, an account no. cause, this bank said there XXXXXXXX XXXX is an other bank.","date_sent_to_company":"2024-08-29T14:02:22.000Z","issue":"Problem caused by your funds being low","sub_product":"Checking account","zip_code":"89103","tags":null,"has_narrative":true,"complaint_id":"9906540","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"UPGRADE, INC.","date_received":"2024-08-23T13:24:47.000Z","state":"NV","company_public_response":null,"sub_issue":"Late or other fees"},"sort":[1.0,"9906540"]},{"_index":"complaint-public-v2","_id":"9905733","_score":1.0,"_source":{"product":"Debt collection","complaint_what_happened":"","date_sent_to_company":"2024-09-03T13:40:06.000Z","issue":"Attempts to collect debt not owed","sub_product":"Payday loan debt","zip_code":"23847","tags":"Older American","has_narrative":false,"complaint_id":"9905733","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Postal mail","company":"UPGRADE, INC.","date_received":"2024-08-23T14:34:01.000Z","state":"VA","company_public_response":null,"sub_issue":"Debt is not yours"},"sort":[1.0,"9905733"]},{"_index":"complaint-public-v2","_id":"9902615","_score":1.0,"_source":{"product":"Checking or savings account","complaint_what_happened":"","date_sent_to_company":"2024-08-09T00:15:59.000Z","issue":"Opening an account","sub_product":"Checking account","zip_code":"94539","tags":null,"has_narrative":false,"complaint_id":"9902615","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"UPGRADE, INC.","date_received":"2024-08-08T23:02:50.000Z","state":"CA","company_public_response":null,"sub_issue":"Didn't receive terms that were advertised"},"sort":[1.0,"9902615"]},{"_index":"complaint-public-v2","_id":"9899680","_score":1.0,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"","date_sent_to_company":"2024-08-24T01:27:33.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"19121","tags":null,"has_narrative":false,"complaint_id":"9899680","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"UPGRADE, INC.","date_received":"2024-08-24T01:27:32.000Z","state":"PA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"sort":[1.0,"9899680"]},{"_index":"complaint-public-v2","_id":"9893185","_score":1.0,"_source":{"product":"Credit card","complaint_what_happened":"","date_sent_to_company":"2024-08-22T17:19:32.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"88130","tags":null,"has_narrative":false,"complaint_id":"9893185","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Postal mail","company":"UPGRADE, INC.","date_received":"2024-08-22T16:25:02.000Z","state":"NM","company_public_response":null,"sub_issue":"Problem with customer service"},"sort":[1.0,"9893185"]},{"_index":"complaint-public-v2","_id":"9866803","_score":1.0,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"","date_sent_to_company":"2024-08-20T05:35:57.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"07208","tags":null,"has_narrative":false,"complaint_id":"9866803","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"UPGRADE, INC.","date_received":"2024-08-20T05:35:56.000Z","state":"NJ","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"sort":[1.0,"9866803"]},{"_index":"complaint-public-v2","_id":"9863242","_score":1.0,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"","date_sent_to_company":"2024-08-20T18:32:08.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"60153","tags":null,"has_narrative":false,"complaint_id":"9863242","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"UPGRADE, INC.","date_received":"2024-08-20T18:30:21.000Z","state":"IL","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"sort":[1.0,"9863242"]},{"_index":"complaint-public-v2","_id":"9863134","_score":1.0,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"On my XXXX Credit Report Uplift starting reporting a past due balance of {$970.00} as recent as XX/XX/XXXX. This company is included in my XXXX XXXX Bankruptcy as of XX/XX/XXXX. The status was showing bankruptcy petition and XXXX balance until XXXX this year. Ive filed XXXX disputes with XXXX letting them know the current status is incorrect and they should not be reporting any balance because they are on my bankruptcy and its that they are not supposed to be reporting any negative on my report after Ive filed. XXXX has acknowledged they see them listed under my bankruptcy but continues to say the account balance is accurate and will not make the creditor fix it.","date_sent_to_company":"2024-10-08T11:37:30.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"63367","tags":null,"has_narrative":true,"complaint_id":"9863134","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"UPGRADE, INC.","date_received":"2024-08-20T20:18:25.000Z","state":"MO","company_public_response":null,"sub_issue":"Account status incorrect"},"sort":[1.0,"9863134"]},{"_index":"complaint-public-v2","_id":"9841738","_score":1.0,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Identity Theft Report : On XX/XX/year>, I filed an identity theft report with the FTC, which identified the accounts in question ( tradelines UPGRADE XXXX and XXXX ). \n\nOngoing Collection and Reporting : Despite the identity theft report, these accounts were not promptly blocked or deleted from my consumer reports as required by the Fair Credit Reporting Act ( FCRA ). Instead, these entries remained on my consumer reports and I continued to receive collection attempts from multiple agencies, including UPGRADE INC, XXXX XXXX XXXX, XXXX XXXX XXXX. These communications lack proper consent and are misleading and violate my rights under the FCRA and FDCPA. \n\nViolation of Privacy Rights : The unauthorized sharing of my personal information with third parties, including consumer reporting agencies, is a gross violation of my privacy rights. I did not authorize this, and any alleged consent is hereby revoked. \n\nFalse and Misleading Correspondence : The fact that I received correspondence from multiple agencies regarding the same alleged debt is both false and misleading, further exacerbating the damage to my credit profile and causing significant stress. \n\nInaccurate reporting : The unauthorized reporting of this alleged debt on my consumer report is not only a violation of my privacy but also contains numerous inaccuracies that violate the FCRA. 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