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 |
|---|---|---|---|
| Aug 4, 2026 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Explained |
| Aug 3, 2026 | Credit reporting | Problem with a company's investigation into an existing problemInvestigation took more than 30 days | Explained |
| Aug 1, 2026 | Credit reporting | Incorrect information on your reportAccount status incorrect | Explained |
| Jul 31, 2026 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Explained |
| Jul 30, 2026 | Credit reporting | Problem with a company's investigation into an existing problemTheir investigation did not fix an error on your report | Explained |
| Jul 29, 2026 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Explained |
| Jul 29, 2026 | Credit reporting | Problem with a company's investigation into an existing problemTheir investigation did not fix an error on your report | Explained |
| Jul 29, 2026 | Credit reporting | Incorrect information on your reportAccount status incorrect | Explained |
| Jul 28, 2026 | Credit reporting | Incorrect information on your reportAccount information incorrect | Explained |
| Jul 27, 2026 | Credit reporting | Problem with a company's investigation into an existing problemTheir investigation did not fix an error on your report | Explained |
| Jul 27, 2026 | Credit reporting | Incorrect information on your reportAccount status incorrect | Explained |
| Jul 27, 2026 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Explained |
| Jul 25, 2026 | Credit reporting | Incorrect information on your reportAccount information incorrect | Fixed |
| Jul 23, 2026 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Explained |
| Jul 23, 2026 | Credit reporting | Problem with a company's investigation into an existing problemInvestigation took more than 30 days | Explained |
| Jul 22, 2026 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
| Jul 22, 2026 | Credit reporting | Incorrect information on your reportAccount status incorrect | Explained |
| Jul 20, 2026 | Credit reporting | Incorrect information on your reportAccount information incorrect | Explained |
| Jul 19, 2026 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Explained |
| Jul 18, 2026 | Credit reporting | Incorrect information on your reportAccount information incorrect | Explained |
| Jul 17, 2026 | Credit reporting | Problem with a company's investigation into an existing problemTheir investigation did not fix an error on your report | Explained |
| Jul 17, 2026 | Credit reporting | Problem with a company's investigation into an existing problemTheir investigation did not fix an error on your report | Explained |
| Jul 17, 2026 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
| Jul 16, 2026 | Credit reporting | Incorrect information on your reportAccount information incorrect | Explained |
| Jul 16, 2026 | Credit reporting | Incorrect information on your reportAccount information incorrect | Explained |
| Jul 15, 2026 | Credit reporting | Incorrect information on your reportAccount information incorrect | Explained |
| Jul 15, 2026 | Credit reporting | Incorrect information on your reportAccount status incorrect | Explained |
| Jul 15, 2026 | Credit reporting | Incorrect information on your reportAccount status incorrect | Explained |
| Jul 15, 2026 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
| Jul 13, 2026 | Credit reporting | Problem with a company's investigation into an existing problemTheir investigation did not fix an error on your report | 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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