Consumer complaint received 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CLGF Holdco 1, LLC
State: GA

Complaint narrative:
My name is XXXX XXXX, and I first want to thank you for taking the time to read this complaint. Ive had a great experience with CB INDIGOXXXX and my goal is to maintain the relationship weve built over the past XXXX years. I recently pulled my XXXX and XXXX credit report and discovered I have a late payment that was reported in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX for my CB INDIGO/XXXX Credit Card . XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I mailed CB INDIGOXXXX several letters informing them of my financial hardship at the start of the XXXX XXXX Unfortunately, the XXXX XXXX has brought unforeseen circumstances into my life. As a direct consequence of the XXXX, I lost my job, resulting in a sudden loss of income. The financial strain caused by this unexpected situation has made it increasingly difficult for me to meet my financial obligations, including making timely payments on my CB INDIGOXXXX XXXX . 

I would like to express my deepest sympathies for the lives lost and the hardships endured by individuals and communities worldwide due to this unprecedented health crisis. The XXXX XXXX has had a profound impact on all aspects of life, including the global economy and the livelihoods of countless individuals. I want to acknowledge the impact of the XXXX XXXX on individuals and families worldwide, including myself. Unfortunately, I lost my job due to the economic downturn caused by the pandemic. As a result, I faced significant financial challenges and was unable to meet my financial obligations, including my credit card payments. 

Congress passed the XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) to minimize the impact of the XXXX XXXX and to provide relief to individuals affected by the XXXX XXXX. Under this legislation, there are provisions that protect consumers ' credit reporting during this challenging time. The XXXX XXXX requires creditors to report accounts as current if the account was current before the consumer requested an accommodation, such as a forbearance or modified payment arrangement, due to XXXX hardships. This protection is crucial for individuals like me who have experienced financial difficulties beyond our control. 

I am currently in the process of securing a mortgage, and my mortgage loan officer has advised me that removing these late payments from my credit profile would significantly enhance my creditworthiness and increase my chances of approval. For that reason, Im requesting an Accommodation under the XXXX XXXX 

I desperately need this mortgage and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and fax it to the credit reporting agencies to update these late payments. 

Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation