Consumer complaint received 2023-12-13
Company: WELLS FARGO & COMPANY
State: GA
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:
Good evening CFPB, I am writing about the company ( Wells Fargo ) that has recently placed activity on my XXXX credit report. They posted 4 active accounts for 3 months. I have disputed this account with XXXX. I told them that I was not aware of having student loans with Wells Fargo. I have not signed any documentation with Wells Fargo for a Student Loan. This account looks to be more than 10 years old. I am not aware of this account. 
I called the Wells Fargo fraud department twice ( XX/XX/XXXX and XX/XX/XXXX ) they could not locate an account for me during either phone conversation. They mention a third-party company as one of their affiliates who may have created a loan for me. This is fraudulent information. I will be filing a police report for this as I do not have an account with Wells Fargo. It seems to be identity theft. I have added all four accounts that are on my credit report. It seems deceptive because it was only active on my credit report for 4 months. How could an account that was open in XXXX close out in XXXX and others in XXXX? That is not feasible according to the Fair Credit Reporting Agency. I am not sure what is going on with Wells Fargo and them posting this to my credit report. 

Account Information Address XXXX XXXX XXXX XXXX XXXX, SD XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Installment Account Loan Type STUDENT LOAN Date Updated XX/XX/XXXX Payment Received {$0.00} Last Payment Made XX/XX/XXXX High Balance {$2600.00} Past Due {$190.00} Pay Status >Account 90 Days Past Due Date< Terms {$47.00} per month, paid Monthly for 120 months Date Closed XX/XX/XXXX Estimated month and year this item will be removed XX/XX/XXXX Remarks PAYMENT DEFERRED XXXX Account Information Address XXXX XXXX XXXX XXXX XXXX, SD XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Installment Account Loan Type STUDENT LOAN Date Updated XX/XX/XXXX Payment Received {$0.00} Last Payment Made XX/XX/XXXX High Balance {$4000.00} Past Due {$500.00} Pay Status >Account 90 Days Past Due Date< Terms {$120.00} per month, paid Monthly for 120 months Date Closed XX/XX/XXXX Estimated month and year this item will be removed XX/XX/XXXX Remarks PAYMENT DEFERRED 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Information Address XXXX XXXX XXXX XXXX XXXX, SD XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Installment Account Loan Type STUDENT LOAN Date Updated XX/XX/XXXX Payment Received {$0.00} Last Payment Made XX/XX/XXXX High Balance {$3500.00} Past Due {$250.00} Pay Status >Account 90 Days Past Due Date< Terms {$63.00} per month, paid Monthly for 120 months Date Closed XX/XX/XXXX Estimated month and year this item will be removed XXXX/XXXX Remarks PAYMENT DEFERRED 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Information Address XXXX XXXX XXXX XXXX XXXXXXXX, SD XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Installment Account Loan Type STUDENT LOAN Date Updated XX/XX/XXXX Payment Received {$0.00} Last Payment Made XX/XX/XXXX High Balance {$4000.00} Past Due {$470.00} Pay Status >Account 90 Days Past Due XXXX Terms {$110.00} per month, paid Monthly for 120 months Date Closed XX/XX/XXXX Estimated month and year this item will be removed XX/XX/XXXX Remarks PAYMENT DEFERRED

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 non-monetary relief