Credit reporting, credit repair services, or other personal consumer reports -- Incorrect information on your report -- Complaint #5674757
Complaint Overview
Complaint ID: 5674757
Company: Clgf Holdco 1, LLC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account status incorrect
State: New York
ZIP Code: 107XX
Date Received: 2022-06-15T12:00:00-05:00
Date Sent to Company: 2022-06-15T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: No
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I had two accounts with Genesis FS Card Services, an Indigo and a Milestone that were past due. On XX/XX/XXXX I paid both cards off in full. In XXXX I checked my credit report to see if it updated and it stated that both cards were charged off so I called the credit card company and they told me they would have to investigate. After two weeks I called back again and they told me they dont see anything in the notes and I would have to speak with the charge off department. I called the number they gave me and the person I spoke with said that they could not help me and gave me another number to call. After weeks of trying to speak with someone that knew what they were talking about I finally was able to speak to someone on XX/XX/XXXX. She told me that she sees the cards were both paid off in full and does not understand why it says charged off/sent to collections and was sending the back office a work order and it should be corrected within two weeks. As of today XX/XX/XXXX it is not. I called them back today and now I am being told that they can not check the status of the work case number that I was given and that the accounts are both listed as charge offs and in collections. I told them that the accounts were never in collections and never charged off because I paid the balances in full and have my bank statements to prove it and they said that they will have to investigate again. This makes absolutely no sense to me at all and I dont understand why I am getting the run around and why this information has not been corrected. They received my money months ago and now my credit report has negative info on it and is effecting my credit score tremendously. This needs to be corrected as soon as possible. This credit card company is a joke and noone understands anything and they do not seem to know what they are doing. Please help me!
Frequently Asked Questions
What is Complaint #5674757 about?
Complaint #5674757 was filed against Clgf Holdco 1, LLC regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2022-06-15T12:00:00-05:00.
How did Clgf Holdco 1, LLC respond to this complaint?
The company responded with: "Closed with explanation". The response was not 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 reporting, credit repair services, or other personal consumer reports) 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.