Consumer complaint received 2023-01-28
Company: WELLS FARGO & COMPANY
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Wells Fargo account XXXX I would like for your company to provide me a copy of your compliance and procedures of conducting an investigation. Because I believe that you are reporting false credit reporting to the bureaus! I asked of you to review the files and please explain to me in great details of how did you come up with what you claim you Certified on your company letterhead dated XX/XX/2022! You stated to the CFPB and myself that account number XXXX And I quote!! 

Dear XXXX XXXX : We received your complaint on XX/XX/2022, regarding your credit bureau reporting. We have completed our research and would like to share our findings. 
Credit reporting As a fair and responsible lender, Wells Fargo is required to report factual and accurate information to the credit bureaus under the Fair Reporting Act ( FCRA ). Our records confirm, we are reporting this account to all credit reporting agencies as " XXXXXXXX XXXX XXXX XXXX XXXX  '' As a result, we are not able to make a goodwill! My question to you was how did you verify that this information was was reporting correctly on your end? Because XXXX was not showing the information on there credit files! As included in XXXX XXXX Wells Fargo if it was reporting correctly using factual based dispute methods and provided it to you? why? 
Keep in mind the date of XX/XX/2022 in which you stated you received the complaint/ dispute and provided an updated to XXXX XXXX 30 days went by the account was still not displaying included! So XXXX XXXX I disputed again with XXXX as you can see they stated We have research the credit account account number # XXXX The results are this account is not currently reporting include it in XXXX  on your XXXX credit file. The following fields have been modified! XXXX, XXXX Wells Fargo they indicated that the account was not reporting as included in XXXX! 

XXXX Wells Fargo I advised you XXXX XXXX XXXX XXXX that the account was not included in XXXX  but you lied and claim that you verified your records and show that it was included! I have told you now XXXX has told you! That it wasnt! 
XXXX so back to my prior question to you we both had and have told you over and over again how did you correct or updated something that wasnt there?? This is false credit reporting on your behalf! After a 117 days later it finally gets on the credit report is why Im requesting your company compliance guidelines and procedures on your investigations for the FCRA. Again XXXX have said there was nothing reporting which makes sense because why would I dispute if it was there?? So this leaves nobody but you Wells Fargo who have told a lied. Since this matter is stuck with nobody but your doing I asked that you remove this false credit reporting that you have done from the get go. You failed to conduct a proper investigation within 30 days violation of CRA and I want it removed legal actions gon na come you should be ashamed of yourself the facts are here! You are acting willful and reckless with your reporting! 

Please EXPLAIN HOW CAN YOU UPDATE SOMETHING THATS NOT EVEN THERE? This is funny lol

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