Incorrect information on your report: Payday loan, title loan, personal loan, or advance loan

I am submitting this complaint regarding Upgrade and its continued reporting of a disputed account that I have challenged as the result of identity theft, unauthorized activity, and/or fraud. I previously notified the consumer reporting agencies that this account was not authorized by me and submitted disputes challenging the accuracy and ownership of the account. I also provided an FTC Identity Theft Report and supporting documentation regarding the fraudulent activity. Despite these disputes, the account has continued to be reported and treated as verified. I have not been provided sufficient documentation demonstrating that I personally applied for, authorized, received the proceeds of, or benefited from the account being reported. In addition to my prior disputes with the consumer reporting agencies, I have now sent Upgrade a direct written dispute by certified mail containing my FTC Identity Theft Report, proof of identity, and supporting documentation. Upgrade has been placed on notice that I dispute responsibility for this account and any related derogatory reporting. I am requesting that Upgrade conduct a reasonable and thorough investigation into this matter and provide documentation demonstrating that I personally authorized and benefited from the account. If Upgrade can not provide competent evidence establishing my responsibility, the account and all related reporting should be removed and corrected with all consumer reporting agencies. I am requesting CFPB assistance because my previous disputes have not resulted in a meaningful resolution and the disputed reporting continues to negatively affect my credit profile.