Consumer complaint received 2026-01-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC
State: GA

Complaint narrative:
Supplemental CFPB Complaint Ongoing Inaccurate Credit Reporting, Reaffirmation After Notice, and Refusal to Substantiate Company : Concora Credit Inc . 
Product : Milestone Mastercard Related CFPB Case : XXXX ( and prior related complaints ) Purpose of This Submission This is a supplemental complaint based on new conduct and ongoing harm following prior CFPB complaints that were closed after company responses. The derogatory reporting at issue remains active and continues to cause quantifiable credit harm. 

Statement of Facts 1. Affirmative NSF Claim by Furnisher Concora Credit Inc. has stated in writing that it submitted an ACH payment in the amount of {$1100.00} to my financial institution, XXXX XXXX XXXX XXXX, and that the payment was returned for insufficient funds ( NSF ). Concora further asserted that it received both initial and final NSF confirmation. 
2. Absence of Any Bank-Level Record Supporting the Claim XXXX XXXX XXXX XXXX has no record of any ACH submission, return, NSF notice, trace number, or return code for a transaction in the amount of {$1100.00}. The banks records do not reflect that such a transaction was ever presented to it. Accordingly, Concoras NSF claim depends on a transaction for which no bank-level record exists. 
3. Reaffirmation After Dispute and Notice After I disputed the accuracy of this reporting and specifically raised the absence of any bank-level record supporting the alleged NSF event, Concora reaffirmed the reporting in a written response dated XX/XX/year>, maintaining that the payment was submitted and returned NSF. 
4. Refusal to Substantiate While Continuing to Report When I requested documentation supporting Concoras factual assertions ( including ACH trace numbers or return codes ), Concora stated in its written response to CFPB Case # XXXX that such documentation would only be produced pursuant to subpoena. Despite this refusal to substantiate its claim, Concora continues to report the disputed derogatory information. 
5. Ongoing Inaccurate Reporting and Quantifiable Harm Despite notice, dispute, and the absence of any bank-level record corroborating the alleged NSF event, Concora continues to report a 30-day late payment related to this transaction. This derogatory information remains active on my credit report and is causing ongoing, quantifiable harm, including adverse credit scoring impact and impaired access to credit.

Why This Is a New and Material Issue This supplemental complaint is not a restatement of prior disputes. It is based on new and continuing conduct, including : Reaffirmation of disputed information after notice, Continued reporting of derogatory information without bank-level substantiation, and A stated refusal to substantiate factual claims except through subpoena while maintaining the reporting. 

Requested Resolution I respectfully request that the CFPB require Concora Credit Inc. to : Remove the 30-day late payment from my credit report, or Correct the payment history to reflect accurate information, and Substantiate the NSF claim with verifiable bank-level documentation ( including ACH trace numbers and return codes ), or cease reporting the disputed information.

Attachments Concora correspondence asserting submission and NSF return of the {$1100.00} ACH payment XXXX XXXX XXXX XXXX letters documenting ACH activity during the relevant period and reflecting no record of an ACH submission or return for {$1100.00} Concora written response stating that documentation would only be produced pursuant to subpoena ( CFPB Case # XXXX )

Company response to consumer: Closed with explanation