Consumer complaint received 2025-08-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CLGF Holdco 1, LLC
State: VA

Complaint narrative:
I received the email I pasted below today. I did not apply for this card. I called and they see the application. The representative says he will escalate and report it as fraud. I DID NOT APPLY FOR THIS CARD. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, VA XXXX RE : XXXX Dear XXXX XXXX : Thank you for applying for a Indigo XXXX Account issued by XXXX XXXX. Unfortunately, we are unable to approve your application for the following reasons : Insufficient Recent Bankcard Payment Activity Number Of Satisfactory Open Premium Bankcard Accounts Utilization For Open Bank Revolving Accounts Utilization Of Bankcard Accounts In Past 12 Months We processed your application using our own credit scoring system that assigns a numerical value to the various items of information we considered in evaluating your application. These numerical values are based upon the results of analyses of repayment histories of a large number of customers.

In evaluating your application, the consumer reporting agency ( s ) listed below provided us with information that in whole or in part influenced our decision. The consumer reporting agency ( s ) played no part in our decision and is/are unable to supply specific reasons why we have denied credit to you. You have the right under the Fair Credit Reporting Act to know the information contained in your credit file at the consumer reporting agency ( XXXX ). It can be obtained by contacting : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX ( M-F XXXX XXXX ) You also have the right to a free copy of your report from the consumer reporting agency ( XXXX ) if you request it no later than 60 days after you receive this notice. In addition, if you find that any information contained in the report you receive is inaccurate or incomplete, you have the right to dispute the matter with the consumer reporting agency ( s ).

Your credit score, based on our credit scoring system, is a number that reflects the information contained in your credit report and our own credit scoring model. Our credit score for you may change, depending on how your credit report and credit history change. 

Your Credit Score : XXXX Date : XXXX XXXX Scores range from a low of XXXX to a high of XXXX. 

Key factors that adversely affected your credit score are : Insufficient Recent XXXX Payment Activity Number Of Satisfactory Open Premium Bankcard Accounts Utilization For Open Bank Revolving Accounts Utilization Of Bankcard Accounts In Past 12 Months If you have any questions about your credit score, or this notice, please write to us at XXXX XXXX, c/o XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, Oregon XXXX, or call us at XXXX from XXXX to XXXX, XXXX XXXX XXXX XXXX days a week. 

XXXX XXXX is issued by XXXX Bank pursuant to a license from XXXX and serviced by Concora Credit Inc . 

Notice : The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, XXXX, religion, national origin, XXXX, marital status, age ( provided the applicant has the capacity to enter into a binding contract ) ; because all or part of the applicant 's income derives from any public assistance program ; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The Federal agency that administers compliance with this law concerning this creditor is the Division of Depositor and XXXX XXXX, XXXX XXXX for XXXX and XXXX Assistance, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Box # XXXX, Kansas XXXX, MO XXXX.

Company response to consumer: Closed with explanation