Consumer complaint received 2024-09-19 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: SC

Complaint narrative:
I received a credit card in the mail from Milestone Mastercard, issued by XXXX XXXX XXXX XXXX & serviced by XXXX XXXX, XXXX XXXX XXXX, XXXX, OR XXXX. 
I notified them within XXXX hours that I didnt Apply for this Credit Card XXXX Id Never heard of them, & that I never even requested any information from them. I reported that I wanted the Credit Card I'd received to be Closed, I wanted to Report It, as being opened Fraudulently, & I wanted them to remove it & the Hard Inquiry from all XXXX of My Credit Bureaus, XXXX, XXXX, & XXXX! They stated they were turning it over to their Fraud Department & would hear back from them within 30 Days. I received a Letter/Notice from them Approximately XXXX Weeks later & the letter stated they had closed the account, determined it was opened Fraudulently, & they had notified the XXXX Credit Bureaus to Close the Account & Remove All Information pertaining to the Credit Card & Account , along with to Remove the Hard Inquires Off of All My Credit Bureaus. 
As of Today, I just disputed by calling XXXX, XXXX, & XXXX that the Milestone Credit Card Account & the Inquiry was to be removed, along with the Hard Inquiry because the Company Had sent them a letter & myself, both of which were the exact same letter notifying them it was opened Fraudulently & all Account Information & Hard Inquiries were to be removed. 
XXXX stated they were notifying/ contacting the Bank/Credit Card Company , but again was told that Id have to wait another 30 days to hear back with their resolution & its going on nearly XXXX Weeks & I received the letter from the Credit Card nearly XXXX XXXX ago that theyd notified the Credit Bureaus, XXXX XXXX of them to remove all the information related to this account including the Hard Inquiry. However, I looked again before filing this Report, & the Hard Inquiry is still on my Credit Bureaus & still hasnt been removed. Between the Inquiry, Opening the Account with a {$500.00} Credit Limit, {$120.00} Annual Fee Already charged to the card, & The Hard Inquiry, Along with it Reporting that it Utilized over 30 % of the Available Credit & it stating I had a Payment Already Due, My Credit Score Dropped from, as low as XXXX Points up to XXXX points on XXXX of the Credit Bureaus not counting the XXXX points deducted for the Hard Inquiries still showing on my Credit Bureau 's & Ive tried everything I possibly can do to get it all removed, & Im down to XXXX of the Credit Bureaus having removed the Accounts from the Report, but still hasnt removed the Hard Inquiry because they stated they needed the Credit Card Company to notify them to remove it, even though when I contacted them 4 days after I received the letter that all the Account Information was opened Fraudulently & was to be removed along with the Hard Inquiries & that theyd notified the Credit Bureaus to remove all of this, Ive yet to get everything completely removed still affecting my Credit Score & Preventing me from being allowed to get increases on My Credit Cards Ive had from XXXX due to this! I was also offered 3 days prior to this occurring from XXXX XXXX XXXX Credit Cards Company that I could combine my XXXX XXXX XXXX with them which have only {$610.00} total owed on them & have a total of {$12000.00} of Credit Available that took me from XXXX - nearly 6 years to build my credit up from having a XXXX XXXX XXXX out of XXXX, to before this occurred of having a XXXX XXXX of my lowest of a XXXX, the next one was a XXXX, & the Highest a XXXX & now my highest score is a XXXX & the lowest a XXXX & was about to combine all of my XXXX  XXXX XXXX XXXX XXXX just XXXX Credit Card with the total combined limit being equal to all XXXX in order to prevent from having so many Credit Cards to only XXXX & once Id combined them, was looking at getting nearly a {$5000.00} Credit Limit Increase because of My Credit Score with them being considered Excellent due to them using the lower scale, of an XXXX instead of using the XXXX Scale & due to this last Hard Inquiry I was not only prevented from getting my Credit Limit Increase, but can now not combine my cards & Me and My Wife were looking at selling our home & purchasing a Newer Home with more room due to having XXXX Kuds & doing this to allow our oldest kids that are in college to have their own room, to now no longer being Pre Qualified, which now has caused us to be unable to even continuing to look for a home to purchase. 
This is the XXXX Credit Card in the past XXXX Weeks, along with a credit line from XXXX being opened of {$700.00} which are being removed, as we speak, but still qualified for the home & the CCs being combined & increase in Credit Limit, but total on XXXX this caused me over the past XXXX weeks to have my Credit Score Drop XXXX Points taking me with XXXX XXXX Bank of being/having an Excellent Credit Score, to dropping down to a Very Good Score after the Hard Inquiry, to now being considered having a Good Credit Score due to the account being added, a small credit line on a card I never heard of, then receiving & reporting a bill with a Minimum Pymt Due, & because it was more than 30 % of the Credit Card Utilization Rate for this Card opened Fraudulently, that XXXX after removing the Account, but leaving the Inquiry, caused my score to go up all together XXXX points, but to turn around & drop XXXX points just 2 days later because I still had the inquiry listed without an account & making it look like I was over extending myself even though I only owe {$1800.00} out of nearly a {$30000.00} Credit Limit with all cards together & without any annual Fees any longer because Ive never missed a Single Payment on any of my bills or CCs because I wanted to be able to Purchase a home & sell our current, combine my CCs, & Finely be able to Purchase a New Vehicle for Me & My Wife, along with helping our Son to get him a Car due to graduating College Soon with a child on the way, My Grandchild hes having & I cant not only help myself, but cant help my wife/family purchase a home, combine my cards, get an increase which wouldve raised my score they said nearly XXXX points more to where I cant do any of it!! 
PLEASE HELP ASSIST ME IN GETTING MY CREDIT BUREAUS CORRECTED BY HAVING THIS CREDIT CARD COMPANY, Milestone Mastercard, Issued by XXXX XXXX XXXX XXXX  & Serviced By Concora Credit, whoever they are to Be made TO REMOVE THE ACCOUNT & Hard Inquiry from XXXX Credit Bureau & REMOVE THE HARD INQUIRY FROM THE OTHER 2 Credit Bureaus, that even they sent myself a letter/notification I received XXXX ago & Ive been begging, reporting, contacting, & requesting the Credit Bureaus Over & over again to remove all this, but cant & Want w/o The confirmation & notification to do so, from the Credit Card Company by notifying them to remove it because now theyre not responding to me nor the Credit Bureaus which this account & Inquiry was opened & pulled my Credit Fraudulently that they confirmed in a Letter was completed Fraudulently & still now the Hard Inquiry on 2 Credit Bureaus still remain & both account & inquiry on the other still remain & that HASN'T REMOVED THE HARD INQUIRY FROM 2 OF MY CREDIT BUREAUS & THE ACCOUNT & HARD INQUIRY FROM THE OTHER CREDIT BUREAU. Its bad enough my Credit was messed up because someone decided to try getting credit in my name which I have to report to you after this 5 Checking Accounts opened w/a bank & have Police Reports, Notifications to the bank, & still allowing someone to continue to open Checking Accounts in my name, have 2 other Credit Cards to report, & a credit line opened through XXXX all Fraudulent & the Sheriff Department told me to use the reports id filed to turn into you once Id reported the Fraudulent Activity in my name in hopes you can help me to get these companies to quit allowing someone to use my credit to open accounts when Ive placed Fraud Alwrts on all my Credit Bureaus Now , has a notification on my Credit Bureau'sto not open an account without my consent that I placed on the credit reports along with the Bureaus, but this Credit Card Company opened this account Anyway just as the XXXX XXXX Account that was opened a month prior to this if that long & have the letters I can send you proving all Im stating, but THE HARD INQUIRIES & ACCIUNT INFORMATION STILL HASNT BEEN ALL REMOVED EVEN AFTER CONFIRMING THAT IT WAS INDEED FRAUDULENTLY OPENED, But basically refuses to get all the Information & Hard Inquiries removed from my Credit Bureaus. 
Thank You So Much for Any and All You can do to assist me in getting this information removed in hopes my Credit will soon get back to normal in order for Me to be able to do for my Family & Help My Wife to be able to get my credit back where it was before my information was hacked & used to Fraudulently Open all types of accounts in my name, but the worst part is knowing a Fraud Alert was listed, stated not to open an account or pull my credit w/o my consent, yet they did it anyway. I dont know how they could legally do this, BUT PLEASE HELP ME GET THIS ACCOHNT REMOVED FROM MY 3 CREDIT BUREAUS IVE LISTED & FORCE THEM TO CONTACT TO ALSO HAVE THE HARD INQUIRIES REMOVED LIKE THE LETTER THEY SENT ME STATED THEY WERE GOING TO DO!

Have a Blessed Day, God Bless, & Thank You For Any & All Help You Can Provide. If you need anything at all from me or copy of the letter where they sent me stating they were removing all the account information & Hard Inquiries due to being opened Fraudulently, Please contact me & Ill give or get to you anything that you need! 

Thank You Again, I appreciate your Assistance, & Pray you can assist me in forcing this company to do as they stated they were going to! God Bless!

Company response to consumer: Closed with non-monetary relief