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 |
|---|---|---|---|
| Jun 26, 2026 | Credit reporting | Incorrect information on your reportInformation is missing that should be on the report | Explained |
| Jun 25, 2026 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Explained |
| Jun 25, 2026 | Credit reporting | Problem with a company's investigation into an existing problemTheir investigation did not fix an error on your report | Explained |
| Jun 24, 2026 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
| Jun 24, 2026 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Explained |
| Jun 24, 2026 | Credit reporting | Incorrect information on your reportAccount status incorrect | Explained |
| Jun 24, 2026 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Explained |
| Jun 23, 2026 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
| Jun 23, 2026 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Explained |
| Jun 22, 2026 | Credit reporting | Incorrect information on your reportAccount status incorrect | Explained |
| Jun 20, 2026 | Credit reporting | Identity theft protection or other monitoring servicesReceived unwanted marketing or advertising | Explained |
| Jun 19, 2026 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Explained |
| Jun 18, 2026 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
| Jun 18, 2026 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
| Jun 17, 2026 | Credit reporting | Incorrect information on your reportAccount status incorrect | Explained |
| Jun 16, 2026 | Credit reporting | Problem with a company's investigation into an existing problemTheir investigation did not fix an error on your report | Explained |
| Jun 16, 2026 | Credit reporting | Incorrect information on your reportAccount information incorrect | Explained |
| Jun 16, 2026 | Credit reporting | Incorrect information on your reportAccount information incorrect | Explained |
| Jun 15, 2026 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Explained |
| Jun 14, 2026 | Credit reporting | Problem with fraud alerts or security freezes | Explained |
| Jun 13, 2026 | Credit reporting | Incorrect information on your reportAccount information incorrect | Explained |
| Jun 13, 2026 | Credit reporting | Problem with a company's investigation into an existing problemWas not notified of investigation status or results | Explained |
| Jun 12, 2026 | Credit reporting | Incorrect information on your reportAccount information incorrect | Explained |
| Jun 11, 2026 | Credit reporting | Incorrect information on your reportAccount information incorrect | Explained |
| Jun 11, 2026 | Credit reporting | Incorrect information on your reportAccount status incorrect | Explained |
| Jun 11, 2026 | Credit reporting | Incorrect information on your reportAccount information incorrect | Explained |
| Jun 11, 2026 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
| Jun 10, 2026 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
| Jun 10, 2026 | Credit reporting | Incorrect information on your reportAccount information incorrect | Explained |
| Jun 10, 2026 | Credit reporting | Incorrect information on your reportAccount information incorrect | 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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