Consumer complaint received 2023-02-11
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Notice to all, I am that I am, the consumer in fact, natural person, creditor, lender, executor, administrator, holder in due course of any and all derivatives thereof for the Surname/given name XXXX XXXX XXXX XXXX and have been appointed and accept being the executor both public and private for all matter proceeding, and I hereby claim that I will D/B/A XXXX XXXX XXXX and autograph as the agent , attorney in fact, so be it ; On XX/XX/XXXX, Wells Fargo sent me a letter confirming this inaccurate and unfair account being reported on my consumer would be removed within four to six weeks ( See Attached Document ). However, XXXX, XXXX and XXXX are still reporting this item on my report. I DEMAND Wells Fargo to uphold their actions to remove this account from my consumer report as they expressed they would on XX/XX/XXXX. 

This is NOT a validation request so do not send any validation, if you do I will TAKE LEGAL ACTION AGAINST YOUR COMPANY under the FDCPA for false and misleading representation 15 USC 1692e. I will take legal action under the FDCPA 15 USC 1692k ( a ) ( 1 ) ( A ) {$1000.00} US and I only need to show one violation to establish a FDCPA claim. See Ayala v. Dial Adjustment Bureau , Inc., Civil No. N-86-315 ( EEB ) ( D.Conn. Dec. 4, 1986 ) ; Riveria v. MAB Collections , Inc., 682 F. Supp. 174, 175-76 ( W.D.N.Y.1988 WELLS FARGO gave no value to any security and have no attachment and enforceability of a secured interest in accordance with UCC 9 203 ( b ) ; WELLS FARGO have no original contract or promissory note ; FOR THE RECORD, Summary of accounts are not a valid claim to defame my character, if I am denied credit or employment based on third parties misleading representation and defaming negligence will be a cause of action. See United States Court of Appeals, Fifth Circuit, Case No. XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX. WELLS FARGO have committed several federal violations against me, a private law abiding Federally Protected Consumer. Each violation is a statutory cost of {$1000.00} each, which does not include mv personal cost and fees which I determined for taking time to address these issues. Violations committed against me include but not limited to : Violated 15 USC 1692c ( a ) : Communication Without prior consent, expressed permission Violated 15 USC 1692c ( b ) ; Communication without prior consent, expressed permission Violated 15 USC 1692d ; Harass and oppressive use of intercourse about an alleged debt. Violated 15 USC 1692d ( 1 ) ; Attacking my reputation, accusing me of owing an alleged debt to WELLS FARGO. Violated 15 USC 1692d ( 2 ) ; Use of obscene or profane language on my report ( saying I owe WELLS FARGO a debt ) Violated 15 USC 1692e ; Using false, deceptive or misleading representations Violated 15 USC 1692e ( 2 ) ( A ) ; False representation of the character and amount of the alleged debt Violated 15 USC 1692e ( 2 ) ( B ) ; False representation of any service rendered or compensation Violated 15 USC 1692e ( 8 ) ; Communicating false information Violated 15 USC 1692e ( 9 ) ; Use/distribution of communication with authorization or approval Violated 15 USC 1692e ( 10 ) ; False Representation ( not a party to alleged debt by my consent ) Violated 15 USC 1692e ( 12 ) ; False representation/implication ( innocent purchasers for value ) Violated 15 USC 1692f ; Unfair Practices attempting to collect alleged debt. Violated 15 USC 1692f ( 1 ) ; Attempting to collect a debt unauthorized by an agreement between parties. Violated 15 USC 1692g ( a ) ( 4 ) Certiable Validation and Verication of alleged debt ( s ) Violated 15 USC 1692j ( a, b ) ; Furnishing certain deceptive forms. ( WELLS FARGO are not a party in the alleged debt ) IDENTITY THIEF ; obtaining personal identication information without prior consent and creating an account in my name without my knowledge. Invasion or Individual and Family Privacy. SOCIAL SECURITY FRAUD A Social Security Number ( SSN ) is used by employers and employees for the purpose of reporting individual employee earnings for tax purposes only. WELLS FARGO, you DO NOT have my CONSENT to use my social security number for commercial gain acting as usufructuary of my services, you are committing fraud and Identity theft and I will contact the ofce of Inspector General SSA and le a report with the federal authorities. I demand WELLS FARGO provide the following documents immediately if you continue to use the ction name for your entitys personal commercial gain then ; Send a copy of WELLS FARGO Commercial Bond and Oaths to do business in the State of CALIFORNIA ; provide name and address and phone number of the Underwriter of WELLS FARGO bonds ; provide name, address, and phone numbers of the owner ( s ) of WELLS FARGO ; Provide name, address and phone number of WELLS FARGO insurance company. Furthermore, reporting false and misleading report to the three major credit bureaus and will constitute a violation of the FCRA Responsibilities of furnishers of information to consumer reporting agencies under 15 U.S. Code 1681s2 ( B ) ( i ) ( ii ) Reporting information after notice and conrmation of errors. Any more harassment from this company will be considered criminal extortion in accordance with 18 U.S. Code 875 ( d ) Extortion. Congress DOES NOT dene loan, but it does dene credit. So what is credit a loan? When the credit law used to dene credit does not dene loan. Reference Case Law - Pacic Concrete F.C.U v. Kavanoe. - Judge ruled, stating that a copy of a consumer credit contract is not evidence of debt. It is evidence that credit was extended. WELLS FARGO took my credit and acquired a loan. That is identity theft! The credit application was not a loan application. My credit extension was in connection to a loan, it does not mean I got a loan. The credit agreement signed is not evidence of debt. I came for credit and WELLS FARGO tricked me into leaving with a debt that was never mine to begin with. WELLS FARGO then unfairly without my written or oral consent, started furnishing information on my consumer report with no authority to do so. WELLS FARGO sold my private and personal information to third party companies ( XXXX ; XXXX ; XXXX which are only an elaborate mechanisms ) for monetary fees as described in 15 USC 1681a ( d ) ( 3 ) ( f ) What is a consumer report? Congress tells us in 15 USC 1681a - The expression consumer report encompasses all forms of written, oral, or other modes of communication from a consumer reporting agency that shed light on a consumer 's credit standing, nancial stability, credit capacity, reputation, personal characteristics, or way of life. The purpose of this information is to aid in the determination of the consumer 's eligibility for credit or other services. The moment WELLS FARGO furnished a report on my consumer report, they fell under the denition of a consumer reporting agency. Anyone talking about me is a consumer report. You're defaming my character. Since a consumer report can be oral, I am speaking for myself on my own behalf, I am assuming that vital role as a creditor and I am telling you I do not owe or acquired any debt by WELLS FARGO, I acquired an extension of my credit. 15 USC 1681a ( 2 ) ( a ) ( i ) Exclusions- A report that consists exclusively of information regarding a consumer 's interactions and experiences with the entity providing the report, which means that you WELLS FARGO can not furnish such information about my experiences with you, including any alleged credit extension, that may be in connection to a loan, to a debt you WELLS FARGO acquired. 15 USC 1681a ( 2 ) ( b ) Exclusions- Any express or implied permission for a particular loan or credit granted directly or indirectly by the issuer of a credit card or similar device. Well, what is a credit card? Congress tells us in 15 USC 1602 ( L ) that a credit card is any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. So, another example of a credit card is my social security number. With all these violations listed and fraud found I may start the administrative process. However, I will give you WELLS FARGO the ability to settle out of court or you will be held liable for all damages. Conduct yourselves accordingly. XXXX XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation