Credit reporting
Upgrade credit reporting complaints
Consumers have filed 1,853 complaints about Upgrade's credit reporting, 645 in the last 12 months (+16%). Upgrade answered 100% on time and closed 1% with relief. See the whole Upgrade record.
Upgrade against other credit bureaus & report companies
| # | Company | 12 months | On time | Relief |
|---|---|---|---|---|
| 1 | TransUnion | 2,331,811 | 100% | 41% |
| 2 | Experian | 2,053,038 | 99.9% | 13% |
| 3 | Equifax | 2,003,445 | 99.9% | 40% |
| 4 | LexisNexis | 36,424 | 99.4% | 25% |
| 5 | CBC Companies | 22,776 | 100% | 53% |
| 6 | Capital One | 10,567 | 100% | 15% |
| 7 | FIS (Fidelity National Information Services) | 6,930 | 100% | 0% |
| 8 | Resurgent Capital Services | 5,816 | 99.9% | 21% |
| 9 | Early Warning Services (Zelle) | 4,540 | 100% | 0% |
| 10 | CL Holdings | 4,485 | 100% | 45% |
| 11 | Citibank | 4,468 | 100% | 48% |
| 12 | Bank of America | 4,455 | 99.4% | 13% |
| 13 | Upgrade | 645 | 100% | 1% |
Latest Upgrade credit reporting complaints
| Received | About | Issue | Answer |
|---|---|---|---|
| Sep 22, 2026 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Explained |
| Sep 21, 2026 | Credit reporting | Incorrect information on your reportAccount information incorrect | Explained |
| Sep 17, 2026 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
| Sep 17, 2026 | Credit reporting | Incorrect information on your reportAccount status incorrect | In progress |
| Sep 17, 2026 | Credit reporting | Incorrect information on your reportAccount information incorrect | Explained |
| Sep 16, 2026 | Credit reporting | Incorrect information on your reportAccount information incorrect | Explained |
| Sep 16, 2026 | Credit reporting | Problem with a company's investigation into an existing problemTheir investigation did not fix an error on your report | Explained |
| Sep 14, 2026 | Credit reporting | Incorrect information on your reportAccount status incorrect | Explained |
| Sep 12, 2026 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
| Sep 11, 2026 | Credit reporting | Incorrect information on your reportAccount information incorrect | Explained |
| Sep 10, 2026 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Explained |
| Sep 9, 2026 | Credit reporting | Incorrect information on your reportAccount information incorrect | Explained |
| Sep 8, 2026 | Credit reporting | Incorrect information on your reportAccount status incorrect | Explained |
| Sep 8, 2026 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
| Sep 6, 2026 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
| Sep 4, 2026 | Credit reporting | Improper use of your reportReport provided to employer without your written authorization | Explained |
| Sep 4, 2026 | Credit reporting | Incorrect information on your reportAccount status incorrect | Explained |
| Sep 4, 2026 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
| Sep 2, 2026 | Credit reporting | Incorrect information on your reportAccount status incorrect | Explained |
| Sep 1, 2026 | Credit reporting | Incorrect information on your reportAccount information incorrect | Explained |
| Sep 1, 2026 | Credit reporting | Incorrect information on your reportAccount information incorrect | Explained |
| Sep 1, 2026 | Credit reporting | Problem with a company's investigation into an existing problemTheir investigation did not fix an error on your report | Explained |
| Sep 1, 2026 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Explained |
| Sep 1, 2026 | Credit reporting | Incorrect information on your reportAccount status incorrect | Explained |
| Aug 31, 2026 | Credit reporting | Incorrect information on your reportAccount status incorrect | Explained |
| Aug 31, 2026 | Credit reporting | Problem with a company's investigation into an existing problemTheir investigation did not fix an error on your report | Explained |
| Aug 30, 2026 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Explained |
| Aug 28, 2026 | Credit reporting | Incorrect information on your reportAccount status incorrect | Explained |
| Aug 26, 2026 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
| Aug 26, 2026 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Explained |
Your rights with credit bureaus & report companies
Under the Fair Credit Reporting Act you can dispute anything inaccurate or incomplete on your report, and the credit bureau generally has to investigate within 30 days (45 in some cases) and fix or delete what it cannot verify. You are entitled to free reports from each nationwide bureau at annualcreditreport.com, and you can place a fraud alert or a free security freeze.
Scam warning: Nobody can legally remove accurate negative information from your report - be wary of anyone promising to. The only official site for your free reports is annualcreditreport.com.
General information, not legal advice; rules vary by state. Plain-English guides
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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