Consumer complaint received 2019-09-06
Company: WELLS FARGO & COMPANY
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I reserve the right to respond and dispute and reject the following as stated at its entirely by a representative of Wells Fargo ( and any company that it has Wells Fargo in its legal name and operates in the U.S ) and its involved contractors and/or agents : Wells Fargo Bank, N.A. 
Executive Office XXXX XXXX XXXX XXXX XXXX, IA XXXX Fax XXXX XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Subject : Response to your account inquiry Account number ending in : XXXX Wells Fargo case number : XXXX Consumer Financial Protection Bureau, case number : XXXX Dear XXXX XXXX : We are responding to your recent account inquiry dated XX/XX/2019. Our records show that your inquiry was addressed on XX/XX/2019. We have reviewed your account activity since our prior response, and our decision remains the same. If you did not receive this response, or you have new information related to your inquiry, please contact us. We will provide further assistance to you at that time. 
Credit reporting As a fair and responsible lender, we are required by the Fair Credit Reporting Act ( FCRA ) to report the true history of each account. We confirm we are accurately reporting the account as Open ; Current ; Never late ; {$350.00} balance. Since we have confirmed the information reported for this account is accurate, we are unable to honor the request to delete or update the reporting to reflect a more favorable account history. 
Please be advised, your account has gone through a lost/stolen transfer. To protect the security of your account, the 16-digit number associated with it was changed from the original one ending in XXXX, to the current one ending in XXXX. Keep in mind that while the current number ending in XXXX is now associated with your existing account in your credit report, the credit history you accrued under the original number ending in XXXX is still part of the information being reported. In addition, we confirm that your account is being reported accurately. 
We have requested that the consumer credit reporting agencies place a narrative on the account to convey that Wells Fargo has completed the investigation of your dispute and you may not agree with the results. This narrative may be viewed by potential credit grantors. 
If you agree with the accuracy of the credit reporting for the account or would like the narrative removed, please provide Wells Fargo with written notification. Your notification should be returned to Wells Fargo by mail or fax : 2019 Wells Fargo Bank, N.A. All rights reserved. 
XXXX Consumer Credit Solutions Credit Bureau Dispute Resolution XXXX XXXX XXXX XXXX XXXX, IA XXXX Fax : XXXX Once we receive your written notification, we will submit a request to the consumer credit reporting agencies to have the message removed from the account information on your credit file. 
Contact information If you have questions, please call me directly at XXXX, extension XXXX, Monday through Friday from XXXX XXXX. to XXXX XXXX. Pacific Time. 
For customers with hearing or speech disabilities, we accept telecommunications relay service calls. Thank you. 
Sincerely, XXXX XXXX XXXX XXXX Research and Remediation Analyst Executive Office cc : Consumer Financial Protection Bureau.- - I, XXXX XXXX , reject what stated by XXXX XXXX , A Wells Fargo Research and Remediation Analyst in their Executive Office. I rejected all that at its entirely and I am disputing it and complaining about it to the CFPB. - -You are commanded by law to stop interfering in my credit reports by your falsifications And abuse to my personal information. 
- - You are trying to force me to accept an unauthorized account to be like if it was I account that opened on my own will not Wells Fargo retaliatory choice to obstruct justice and to cover up it full legal liability on the fraud and retaliation committed against me by this bank and its involved agents. - -I dont accept and I am rejecting your criminal business behaviors against me - you are not in the position to dictate what should be done just to cover up your illegal and criminal violations you are engaging in and against my rights and continuously- I am not authorizing Wells Fargo to use any of my personal information in reporting to the credit bureau but for the payment history of my credit account ending in XXXX which was closed and I am making payments on time until I pay it off. 
- Wells Fargo must stop reporting false information about me to any credit bureau - I dont have any open authorized credit account with Wells Fargo bank whether ending in XXXX or any other .- -I called Wells Fargo and disputed a Wells Fargo fraudulent credit account ending in XXXX that was opened Fraudulently against my will and by Wells Fargo . 
- -Wells Fargo also assumes all the legal consequences for its persistence to force me to accept something I didnt open which its credit card account ending in XXXX. 
- - again it is XXXX XXXX with home addressi- -XXXX XXXX XXXX XXXX XXXX VA XXXX And last 4 SSN XXXX. 
- I am noticing also about the following : ***Legal Notice & - Complaint- XXXX XXXX - - Wells Fargo Bank/Wells Fargo/To whom this legal notice and complaint concerns : - - - - I demanded and reaffirming that Wells Fargo and any company that has a name of Wells Fargo in its business legal name and operates in the United States and also a legal Notice to its decision makers ( involved in invading my rights to privacy and peace continuously in addition to violating many other laws and against me ) must comply to law and that you are commanded now by law to : - -immediately stop your interfering in any of my personal credit reports or files with any credit bureau. To stop your invasion against my privacy. -To stop your falsifications and misleading interferences against my financial records. To stop your blackmailing against me. To stop your continuous harassments against me. -to cease from any of your recorded intimidations and threats you made against me .To stop your illegal interfering against my credit reports since Currently You dont have any open credit or deposit account that I authorized ever you and at any time and to open it and on my own will and not by your own intervention against my will to cover up your other violations you did at any time and against me and/or the public and/or consumers - -Who are you that you think you can force me to submit to your own illusive will? Any of your usual criminal threats and activities against me would cost you more serious legal consequences and you would be prosecuted in a criminal case too. - - You have no business need to know and neither any type of my consent now and to interfere or change or do anything with my information within any credit bureau. _____________ You must not alter, destruct or delete or get rid of any information related to my person and that you stored in any form and it is all evidences and you are noticed of all the above and not to destruct evidences and you must comply and this was a final notice .- - Currently, there are legal case/s against you. - - - Therefore, you must stop your blackmailing and interference into my private personal credit reports within any credit bureau and at any time and secondarily you must also comply and preserve all evidences as directed above. - Sincerely, -. _______The claimant ._______ -XXXX XXXX - - - *** without waiving my rights, all stated herein is subject to any correction or anything at any time and by my person or my representative and without notice and all herein is to my current states belief, knowledge and understanding. _____ receipt of this complaint is your consent to immediately comply to all the above legal notice - - - XXXX XXXX. I reserve all 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