Consumer complaint received 2023-12-10
Company: WELLS FARGO & COMPANY
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have already filed a Ftc report for fraudulent reporting, and XXXX and XXXX are already in compliance, XXXX XXXX XXXX is the only company still reporting illegal information. 

I am writing file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding fraudulent hard inquiries on my credit profile. I kindly request your assistance in removing these inquiries immediately, as they have been reported inaccurately and obtained without my written permission or a permissible purpose, in violation of the Fair Credit Reporting Act ( FCRA ). 

I have identified the following fraudulent hard inquiries on my credit profile : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries have been reported without my consent and without a permissible purpose, which is a direct violation of the FCRA. I kindly request that you take immediate action to investigate and rectify this matter. 

The fraudulent inquiries mentioned above are in clear violation of the following laws : 1. 15 USC 1681b : This section of the FCRA requires that a consumer reporting agency may furnish a consumer report only when there is a permissible purpose. In this case, the inquiries were obtained without my written permission or a permissible purpose.

2. 15 USC 1681a : This section of the FCRA defines the terms used throughout the Act, including the definition of a consumer report. The fraudulent inquiries on my credit profile do not meet the criteria outlined in this section.

3. Section 611 - Accuracy of Information : This section of the FCRA requires that consumer reporting agencies maintain reasonable procedures to ensure the maximum possible accuracy of the information in consumer reports. The fraudulent inquiries on my credit profile are inaccurate and should not have been included.

4. Section 604f - Fraudulent Information : This section of the FCRA prohibits the inclusion of information on a consumer report that is known or should be known to be fraudulent. The fraudulent inquiries on my credit profile clearly fall under this provision. 

I have attempted to resolve this matter directly with the creditors involved, but they have been unresponsive and unwilling to address the fraudulent inquiries. Therefore, I kindly request your intervention to ensure that my credit profile is accurately represented and that these fraudulent inquiries are promptly removed. 

I have attached a copy of my Federal Trade Commission Identity theft report and a copy of the inquires on my credit report highlighted. These inquires fall under identity theft and the continuous reporting of them is violating multiple laws as mentioned above. 

I appreciate your attention to this matter and look forward to a prompt resolution. If necessary, I am prepared to take legal action to protect my rights under the FCRA. However, I would prefer to resolve this matter amicably through your assistance. 

Thank you for your time and consideration.

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