Consumer complaint received 2021-11-17
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2021 I sent a certified letter to WELLS FARGO DEALER SVC in regards to a fraudulent account add to my credit report. It was a Cease and Desist letter that WELLS FARGO DEALER SVC acknowledged they had received. They stated they would cease communications. However according to the FCRA they are violating my rights. They have continued to " COMMUNICATE '' with the credit reporting agencies and therefore communicating with me indirectly. The laws clearly state that this goes against a cease and desist demand. In addition to this violation they have 6 other violations of my federally protected consumer rights totaling in {$7000.00} in damages. 15 USC 1692k states court may allow, but not exceed {$1000.00} per violation. 

15 USC 1692c ( c ) If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. 
15 USC 1692b ( 2 ) - Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 2 ) not state that such consumer owes any debt 15 USC 1692g ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. 
15 USC 1692d ( 2 ) The use of obscene or profane language or language the natural consequences of which is to abuse the hearer or reader 15 USC 1692g - The term creditor means any person who offers or extends credit creating a debt. I, the natural person, am the original creditor, do not validate this debt 15 USC 1681b ( a ) ( 2 ) - any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates 15 USC 1681m ( d ) ( D ) - Any person who uses a consumer report on any consumer in connection with any credit or insurance transaction that is not initiated by the consumer shall provide with each written solicitation made to the consumer regarding the transaction a clear and conspicuous statement that ( D ) the consumer has a right to prohibit information contained in the consumers file with any consumer reporting agency from being used in connection with any credit or insurance transaction that is not initiated by the consumer. 
I'm in the process of purchasing a home and this company has caused me mental anguish, damage to my reputation, and lost wages due to this fraudulent account. I will be pursuing civil compensation. I have sent this company an Affidavit of Truth stating all that is true. They continue to violate my rights.

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