Credit card -- Incorrect information on your report -- Complaint #19684021
Complaint Overview
Complaint ID: 19684021
Company: Clgf Holdco 1, LLC
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-Issue: Account information incorrect
State: Colorado
ZIP Code: 80023
Date Received: 2026-02-21T12:00:00-05:00
Date Sent to Company: 2026-02-21T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am submitting this complaint regarding the reporting of late payments on my Concora Credit ( Indigo ) account. While I acknowledge that a payment was reported late, I was not properly notified that my account had become past due. I did not receive adequate communication, warning, or outreach indicating that I was at risk of being reported late to the credit bureaus. I only became aware of the late status when I logged into my account independently. Had I received timely and clear notice that my payment was past due and at risk of negative credit reporting, I would have immediately brought the account current to prevent damage to my credit profile. Since discovering the issue, I have taken full responsibility and have maintained my account in good standing. My account has now been current for XXXX consecutive months, demonstrating my commitment to responsible repayment and financial improvement. I am currently in the process of qualifying for a mortgage, and the reported late payments are creating a significant barrier to securing stable housing. I have made substantial efforts to rebuild my credit, and this reporting particularly given the lack of proper notification is disproportionately impacting my ability to move forward. I am respectfully requesting that Concora Credit conduct a thorough review of the notification process on my account and consider a goodwill adjustment to remove the reported late payments in light of : Lack of adequate prior notice My account being current for the past XXXX months Demonstrated effort to maintain responsible payment history Significant hardship caused in the mortgage approval process I am not disputing my obligation to pay. I am requesting fair consideration based on the circumstances and my current good standing. Thank you for your review.
Frequently Asked Questions
What is Complaint #19684021 about?
Complaint #19684021 was filed against Clgf Holdco 1, LLC regarding Credit card specifically about Incorrect information on your report. It was received by the CFPB on 2026-02-21T12:00:00-05:00.
How did Clgf Holdco 1, LLC respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit card) and describe your issue in detail.
Can I see other complaints against Clgf Holdco 1, LLC?
Yes, visit the Clgf Holdco 1, LLC company profile at readthecomplaint.com/company/clgf-holdco-1-llc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.