Consumer complaint received 2020-04-25
Company: WELLS FARGO & COMPANY
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Wells Fargo reported inaccurately the month of XXXX as 30 day late pay. I had no idea of it until I review my Credit Report in XXXX. I then notified in writing sent via certified mail to Wells Fargo that there was an error in there report. That I started the New year enrolling all my bills in auto pay and they all worked out accept Wells Fargo and that it must have been an online error as I was enrolled in autopay to deduct the minimum amount due each month, I was stunned to see it did not auto pay my credit card like it was suppose to do. I sent in detail to Wells Fargo my XX/XX/XXXX Letter which Wells Fargo received on XX/XX/XXXX verified by there signature and tracking number my status and that this was a clear cut case of an online error not caused by me and there was no financial hardship or inability to pay that caused the online error of a 30 day XXXX Late Pay, I proved that by paying my card down as soon as found out with a balance of just {$10.00}, Wells Fargo Ignored my letters and requests. I proceeded to send another Letter dated XX/XX/XXXX the certified mail return receipt and tracking number indicates Wells Fargo Signed and received it on XX/XX/XXXX Requesting again in much more clearer and plain as day language I was requesting full validation and disputed there claims of the XX/XX/XXXX late pay. I mentioned the FCRA LAWS I mentioned they were in violation of section 623 { a } They proceeded to send me a note / letter stating they need more time section 809 { b }, 15 USC & 1692g { b }. Both times in there responses and you can see for yourself they claim they need more time and will send me a response on or before XX/XX/XXXX. They failed to keep there word. And were in violation of section 809 { b } by not validating he debt within the 30 days the law allows and at that point should have notified the bureaus to remove the XXXX  2020 30 day late pay from my credit report. They failed to do so then sent me another letter claiming they still need more time to look into it and will give me a response by XXXX XXXX. That time is now long gone as well and Once again way past the allotted time the law allows and are in clear violation of the law. Both section 623 { a } and 809 { b } They failed to provided validation within the 30days thus this XXXX  2020 30 day late pay must be deleted at once. Once more they are reporting inaccurate information and or in clear violation of section 623 { a } It is my now my intentions to file Law Suits against Wells Fargo for clear violation and manipulation as they claimed they received or I had sent them a letter dated XXXX which is FALSE, Deceptive and Misleading as the SIGNED return receipts show they received both letters before that date so how in the world can the letter be dated for XXXX like they claimed!! 

What makes this even sadder is I am loyal customer of wells fargo and they couldn't even have the decency to address my concern in a timely fashion. 

Based on the evidence you must delete these accounts. Based on the evidence and the fact they failed to validate this 30 day late pay. I request you to obey the law and remove this XXXX  30 day late pay!! WELL FARGO FAILED TO VALIDATE IN TIME ALLOWED BY LAW!!

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