Consumer complaint received 2024-02-04
Company: WELLS FARGO & COMPANY
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
Regarding the document prepared XX/XX/year>, Case Number : XXXX CFPB case number : XXXX Wells Fargo XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX XXXX : XXXX XXXX. 

Dear sir, Upon receiving the document, which case number with XXXX was XXXX, I would like to discuss several parts of it. Regarding auto loan concerns, you mentioned that [ I ] shared that someone else with your name is applying for an auto loan and mortgage. At first, I never used the auto loan and/or mortgage for the purchase of my car. On this matter, I believe I can ask the proof of purchase by cash through my primary bank. As far as I know, there is XXXX family member, who purchased a car slightly before the Pandemic. But he decided to get that car, while I was in XXXX and physically, I could not co-sign with him ; even though I never had the intention to share my name with him for his car. It might be better to ask him to lease a car more than sharing somebodys name to purchase a car. Beyond this family member, I do not have anybody who can trust to share my name to get any loan or mortgage with strong belief, do not believe anybody regarding money. Therefore, I can not show any credit report, which indicates unauthorized auto loan, which you mentioned in your letter. Personally, I do not want to hear any information which I feel valuable in searching for the auto loan, since I purchased my old car by my cash, and I never helped to purchase my husbands car. Otherwise, if there is any information, it should be somebody used my name illegal purpose. I believe I can state so, since I am a victim of identity theft. So, I have a question what you will do if you find out this kind of information. Since I have never experienced the identity theft in XXXX and any other countries, I am curious what kind of attitudes and procedure your side might have and show to the victim. I seriously wish you will show this. I have a question what the sentence auto concerns case status : we have closed the case of the date of this letter. If we receive additional information, we will open a new case to address any remaining or new concerns. I request what this sentence means. Does it mean there is any case made by an imposter, who used my name to some auto loan. I have the right to know since I do not have any auto loan myself. Regarding phone call, I do not want to answer any calls from unknown person, because I believe I have some suspicious calls and hacking as a graduate student of XXXX XXXX XXXX. You ask me the additional information for the inquires on auto loan, credit cards, and home mortgage. However, personally, I do not want to ask further questions on any companies regarding auto and home mortgage, since I do not have them and do not want to share loan and mortgage. I even force my husband to pay off his debt and to state to pay off before his death. I have received a letter that my credit card account, which relating with my business, was closed last year. And I do not have any personal credit card with your company. That is certain ; therefore, if you do not know any information relating with me, it must be the answer that I do not have any debt with your company. If you consider there is any debt under my name, since I do not know anything only XXXX credit card in my business name, it must be a result of illegal usage of my identity, which happened by identity theft ; therefore, your side need to consider how to solve this criminal activity. 

Sincerely,

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