Consumer complaint received 2019-03-17
Company: WELLS FARGO & COMPANY
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Re : No Response from Wells Fargo regarding Duplicate Credit Inquiry Request Escalation of Hard Inquiry Removal. 

Dear Consumer Financial Protection Bureau I am in receipt of NO correspondence made by Wells Fargo. 
In my original correspondence, I advised Wells Fargo of the Duplicate Inquiry made by Wells Fargo, and to verify the accuracy of the inquiry but yet the Inquiry is currently reporting as of XX/XX/XXXX with no response from Wells Fargo and no verified information from them. Additionally, on XX/XX/XXXX I wrote Wells Fargo regarding the Duplicate Inquiry. Wells Fargo pulled my credit two independent times. One with my permission, and another the very next day without my consent.

Furthermore Wells Fargo did not respond within the thirty days allowed by the FCRA, or provided any evidence. Several laws has been broken and pointed out since then.

Finally, Wells Fargo didnt bother to respond to my In branch inquiry as I assumed I could escalate from a branch level due to no response, and all fail to respond by law. Wells Fargo failed to respond or provide any feedback regarding the duplicate inquiry from a branch level as documents were confirmed faxed by the Branch Manager. 
1.I filed the dispute of this particular duplicate Inquiry that Wells Fargo is reporting under FCRA 611 ( a ) ( 7 ) that specifically requires a description of the procedure used by your agency in providing and obtaining this inquiry record.

2. I contacted Wells Fargo several times regarding my formal dispute under the FCRA 611 ( a ) ( 7 ). In addition I sent a formal written validation demand to the Wells Fargo for the Inquiry that you are reporting. II contacted Wells Fargo with a formal dispute under the FCRA 611 ( a ) ( 7 ). In addition I sent a formal written validation demand to the Wells Fargo for the Duplicate Inquiry that they are reporting.

3. Wells Fargo must have adequate records to substantiate the inquiry. Tort law is quite clear in this matter! Wells Fargo has 5 days to DELETE the ITEM and provide me with written verification of that DELETION for my records. I will have no choice but commence the unpleasantness of a Section 1024.35 ( Notice of Error ) under Regulation X of the CFPB regulatory reform guidelines 4. I have LEGALLY exercised my rights by disputing the validity of this duplicate Inquiry. I have in writing and attempted to confirm the accuracy of the information reported to Wells Fargo ; and during this process the acts by omission by Wells Fargo prove substantially that the Duplicate inquiry as reported is invalid. By ignoring my legal validation demand is in direct violation of the FDCPA. Since Wells Fargo has knowingly violated both federal and state law and I can document this violation, I am demanding that they CEASE all reporting activities. Stop at once reporting the Duplicate inquiry in question to XXXX and delete it from my credit report at once.

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