Credit bureau · complaint record
Upgrade complaints
Filed under UPGRADE, INC.
Consumers have filed 5,072 complaints about Upgrade since 2017, 1,776 of them in the last 12 months (+31% on the year before). It answered 99.9% on time and closed 1% with relief for the customer - less often than a typical credit bureau. The most common problem is incorrect information on your report. It is the 21st most complained-about of 566 credit bureaus & report companies this year.
Average response record. How it works
- Complaints on record
- 5,072
- Last 12 months
- 1,776
- Answered on time
- 99.9%
- Closed with relief
- 1%
- Last 30 days
- 44
- Rank
- #21 of 566
Since July 2017
+31% vs the year before
Industry: 99.9%
Typical credit bureau: 32%
Newest: Nov 1, 2026
Most complained-about credit bureaus & report companies
Upgrade complaints by month
The busiest month was January 2026 (221 complaints). Complaints in the last 12 months are up 31% on the year before. Complaints rise with a company's size and with news, so compare trends rather than totals.
How Upgrade answered last 12 months
- Closed with monetary relief80.5%
- Closed with non-monetary relief90.5%
- Closed with explanation1,71696.6%
- In progress432.4%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
- Answers on time45/4599.9% on time
- Relief for customers1/401% closed with relief
- Complaint trend7/15+31% vs last year
What Upgrade complaints are about
Top Upgrade problems last 12 months
Inside "Incorrect information on your report"
- Account information incorrect 415
- Account status incorrect 397
- Information belongs to someone else 356
- Old information reappears or never goes away 22
- Information is missing that should be on the report 16
- Personal information incorrect 6
Where Upgrade complaints come from
Most complaints: California (662), Texas (626), Florida (542), Georgia (285), Illinois (250).
Upgrade compared with other credit bureaus & report companies
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | ID AnalyticsCredit reporting | 63 | 2,295 | C |
| 2 | CoreLogicCredit reporting | 56 | 2,267 | C |
| 3 | Global Lending ServicesCredit reporting | 56 | 1,853 | C |
| 4 | GM FinancialCredit reporting | 57 | 1,800 | C |
| 5 | UpgradeCredit reporting | 53 | 1,776 | C |
| 6 | LCI AcquisitionCredit reporting | 48 | 1,486 | D |
| 7 | UpstartCredit reporting | 52 | 1,485 | C |
| 8 | National Consumer Telecom & Utilities ExchangeCredit reporting | 45 | 1,374 | D |
Compare side by side: Upgrade vs ID Analytics · Upgrade vs CoreLogic · Upgrade vs Global Lending Services · Upgrade vs GM Financial
What people say about Upgrade
All experiencesNo experiences with Upgrade yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest Upgrade complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Nov 1, 2026 | Credit reporting | Incorrect information on your reportAccount information incorrect | Explained |
| Oct 31, 2026 | Bank accounts | Managing an accountDeposits and withdrawals | In progress |
| Oct 31, 2026 | Payday & personal loans | Getting the loan | Fixed |
| Oct 30, 2026 | Payday & personal loans | Getting the loan | In progress |
| Oct 30, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Oct 29, 2026 | Payday & personal loans | Problem with the payoff process at the end of the loan | In progress |
| Oct 29, 2026 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
| Oct 29, 2026 | Credit cards | Problem with a purchase shown on your statementCredit card company isn't resolving a dispute about a purchase on your statement | In progress |
| Oct 29, 2026 | Payday & personal loans | Problem when making payments | In progress |
| Oct 29, 2026 | Credit reporting | Problem with a company's investigation into an existing problemProblem with personal statement of dispute | Explained |
| Oct 29, 2026 | Bank accounts | Managing an accountProblem making or receiving payments | Fixed |
| Oct 28, 2026 | Bank accounts | Managing an accountDeposits and withdrawals | Explained |
Questions about Upgrade
How many complaints does Upgrade have?
Upgrade has 5,072 complaints on record since July 2017, including 1,776 in the last 12 months and 44 in the last 30 days. That makes it number 83 of every company by complaints this year.
Does Upgrade respond to complaints?
Yes. Upgrade answered 99.9% of its complaints on time (within 15 days) and closed 1% with relief - money back or a fix; 0.5% ended with money back. The rest were mostly closed with an explanation only. Its Response Score is 53/100 (grade C).
What do people complain about most with Upgrade?
The most common problems are incorrect information on your report (1,220), took or threatened to take negative or legal action (436), attempts to collect debt not owed (421).
Is Upgrade legit?
Upgrade is a real company with a public complaint record: consumers have complained about it 5,072 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is Upgrade legit? for the signals, red flags and how to protect yourself.
Are complaints about Upgrade going up or down?
Up. There were 1,776 complaints in the last 12 months against 1,352 in the 12 before (+31%). See every month.
How do I file a complaint against Upgrade?
Complain to Upgrade in writing first and keep a copy. If it isn't fixed, file an official complaint with the federal consumer financial regulator - the company must answer, usually within 15 days. Our step-by-step guide: how to file a complaint against a company. Then share your experience here so others know.
Where do most Upgrade complaints come from?
Most come from California (662), Texas (626), Florida (542). Big states file more complaints, so the map shows complaints per 100,000 people.
Complaint records are public consumer complaints filed with U.S. regulators, checked (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works
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