Consumer complaint received 2023-04-04
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
This complaint is against XXXX XXXX and Wells Fargo Home Mortgage for FAILING to reinvestigate specific errors and send me proper RESPA disclosures that I have requested from Wells Fargo Home Mortgage. Wells Fargo Home Mortgage has also Failed to include the proper compliance condition code ( CCC ) on the reported account proving that a reinvestigation had been properly conducted and completed, which tells me Wells Fargo Home Mortgage is refusing to answer to my request or complete a reinvestigation. There are so many errors XXXX and XXXX are CURRENTLY reporting differently. I sent my disputes certified to assure XXXX and XXXX have received my request to indirectly dispute with Wells Fargo Home Mortgage. To my understanding Wells Fargo Home Mortgage had 30 business days not including holidays or weekends to reinvestigate the inaccurate reported account as well as send me the requested disclosures in which they have failed to do so. 

XX/XX/XXXX I sent XXXX and XXXX a dispute. XXXX tracking number XXXX and XXXX received my dispute XX/XX/XXXX XXXX it has been 37 days since XXXX received my dispute. XXXX tracking number XXXX and XXXX received my dispute XX/XX/XXXX XXXX it has been 39 days since XXXX recieved my dispute. BOTH agencies are required to send my dispute to the person whom is furnishing my report in order for the company to do a reinvestigation which is Wells Fargo Home Mortgage. either XXXX and XXXX are NOT abiding by the FCRA requirements or Wells Fargo, either way there is no proof a actual reinvestigation has took place and at this point XXXX XXXX and Wells Fargo are in non compliance of the FCRA. 

It is now XX/XX/XXXX and I got a new updated report from the source of XXXX to check for any updates. To my surprise neither XXXX or XXXX has included the appropriate compliance condition code ( CCC ) to support if a reinvestigation had been conducted and completed by Wells Fargo. To my understanding the compliance condition code is used to satisfy the obligation to communicate that a debt is disputed by the data furnisher and the data furnisher has 30 business days not including holidays or weekends in order to complete the reinvestigation and send me the consumer the disclosures I have requested under RESPA as well as attend to the inaccuracies and inconsistencies being reported. I have also specified under the Truth and Lending Act I have the right to know who the true party of interest in the transaction was. Such disclosures and documents I have NOT received from Wells Fargo. I have also been made clearly aware that Wells Fargo has cases against them for violating the EOA ( Equal Opportunity Act ) as well as refusing to answer to consumers inquiries, such cases have caught my attention and such cases have gotten remedy from Wells Fargo due to their unfair acts. The last time Wells Fargo reported to XXXX was XX/XX/XXXX and XXXX was XX/XX/XXXX. There is no notice that this account was disputed, therefore Well Fargo has blatantly ignored my dispute. I have given Wells Fargo the respectful 30 business days given by the FCRA to answer to my dispute and complete there reinvestigation and they refuse to do so. Wells Fargo is required to answer to my inquiry ( dispute ) and they choose not to. 

Differences between XXXX and XXXX XXXX Last Verified XX/XX/XXXX XXXX BLANK ( incomplete ). 
Transunion Date Last Activity XX/XX/XXXX XXXX XX/XX/XXXX. 
XXXX Last Reported XX/XX/XXXX XXXX XX/XX/XXXX. 
Transunion Date Opened XX/XX/XXXX XXXX XX/XX/XXXX. 
XXXX Closed Date XXXX XXXX BLANK ( incomplete ). 
XXXX Account Rating Derogatory XXXX Paid. 
XXXX and XXXX Dispute Status - Account not disputed. ( should have been disputed ) XXXX Account Status CLOSED. XXXX OPEN. 
XXXX and XXXX Payment Status Late 120 days ( this account is suppose to be reported as paid ). 
XXXX Creditor Remarks Foreclosure redeemed XXXX XXXX XXXX Mortgage. ( no required compliance condition code included ) XXXX Last Payment XX/XX/XXXX XXXX XX/XX/XXXX. 
Transunion Term Length 360 Months XXXX BLANK ( incomplete ). 
XXXX Account Type FHA real estate mortgage XXXX XXXX XXXX Mortgage. 
XXXX Payment Frequency Monthly ( every month ) XXXX BLANK ( incomplete ). 
XXXX Payment History I dont even know if the payment history is correct. XXXX BLANK ( incomplete ). 

There should NOT be this many inconsistencies with both agencies because this information if from one person Wells Fargo. If a proper and thorough reinvestigation was completed then this one account should be reporting the same information with respect to there individual fields. There is no reason why the account status is both open and closed at the same time. the account is either opened or closed. There is only one last payment. there is only one date of 1st delinquency. there is only one date of last activity. there is only one payment history. there is only one date opened. there is only one account rating. these specific fields are required to be reported the same. I understand all consumer reporting agencies MAY have different fields to report but that doesn't justify these specific fields to be reported differently. 
I demand the documents and disclosures I requested under RESPA. I demand for Wells Fargo to specifically provide the information that is currently reporting differently that I have notated in this complaint.

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