Consumer complaint received 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CLGF Holdco 1, LLC
State: GA

Complaint narrative:
Hello again, I am submitting this complaint against CONCORA CREDIT/DESTINY to add clarity to my earlier complaint regarding their business practices that have harmed me. I previously filed the original complaint, which is now CLOSED, and I believe that it may have been closed prematurely and that you overlooked material facts about the companys conduct that I content violated both The Fair Credit Billing Act ( FCBA ) and The Fair Credit Reporting Act ( FCRA ). I am particularly requesting that you hold the entity that I complained about accountable for its conduct. I am requesting that you relook at my modified complaint with the view of taking remedial action against CONCORA because I believe its conduct is precisely what consumers such as myself need protection from. Closing the complaint based on without a meaningful resolution based on I said, they said information relay does very little to resolve the problem from where I am standing. In this case, I am enumerating CONCORAs misconduct as follows for your review and action : NON-EXISTENT ACCOUNTS : There are two different accounts, one ending in XXXX that CONCORA FALSELY claims belongs to me and another ending in XXXX which CONCORA closed on my initiation because of FRAUD. because In it is most recent response to you about my previous complaint ( see attached ), CONCORA referenced to Destiny XXXX Account ending in XXXX, I have NEVER applied for NOR received a XXXX ending in XXXX. The ONLY initial XXXX issued to me by CONCORA ended in XXXX which was CLOSED for what the company itself characterized as FRAUD on their part. I am NOT in possession of, never been in possession of, never been issued the credit card that the company references, I NEVER applied for it. Therefore, it does NOT exist and can not be the basis for reporting to credit bureaus. IT is just wrong. They can not report a delinquency to credit bureaus for an imaginary, non-existent credit card. 

FALSEHOODS IN CONCORAS RESPONSES : THE COMPANY WITHDREW MONEY FROM MY BANK ACCOUNT WITHOUT MY PERMISSION OR AUTHORIZATION : This is a BIG PROBLEM. The company correctly stated that 5 payments were made to the account, the problem is I DID NOT make those payments NOR did I authorize the payments, and that is the gist of the misconduct I am alleging against CONCORA. A consumer should be able to make a payment on their own free will and volition and thats NOT what happened here.

CHANGES TO MY PROFILE BY UNKNOWN PEOPLE : CONCORA cites multiple times changes to my account profile but will not disclose by who. I did NOT make the changes the company says were made to the account. When I called the company and asked them why they withdrew money out of my account without my authorization, they referred to the FRAUD unit who determined there was indeed fraud on the account and CLOSED it IMMEDIATELY. Specifically, CONCORA did everything on their own unbeknownst to me. They had someone else 's profile in their system, i.e., email address, mailing address, phone number, I mean everything and when I asked them to disclose to me who it was they had in the system as me, they refused to disclose, referring me to the FRAUD department instead. Clearly, they had full control of their system of which they allowed FRAUD to be perpetrated and yet pinned all the negative consequences on me including a shattered.

ACCOUNT CLOSED & NEW ONE CREATED : As indicated above I initiated the PERMANENT closure of Credit Card Account ending in XXXX for FRAUD reasons. This was NOT a temporary closure, it was PERMANENT. I DID NOT ask for or request a replacement card, not did I receive one. CONCORAs assertion that the account was temporarily closed is FALSE. Equally and to reiterate, I never applied for or received another credit card from CONCORA, the one ending in XXXX is UNKNOWN to me. It is unreasonable implausible that CONCORA would close an account it properly identified as exposed to unusual activity FRAUD but open yet another one without vetting the identity, it is irreconcilable, it is a non-sequitur.

FALSE REPORTING OF DELIQUENCY TO THE CREDIT BUREAU : CONCORA, after acknowledging FRAUD on the account, advising me to contest the unauthorized payments with my bank, closing the account for FRAUD, creating a new account without my permission, still reporting my account as delinquent to the credit bureaus and ruining my credit in the process. CONCORA is clearly in violation of both The Fair Credit Billing Act ( FCBA ) and The Fair Credit Reporting Act ( FCRA ) on multiple levels which I am requesting you to investigate.

Looking forward to your feedback. 

Sincerely, XXXX

Company response to consumer: Closed with explanation