Consumer complaint received 2018-08-16
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: Account status incorrect

Complaint:
I made my last payment with Wells Fargo Dealer Services ( WFDS ) in XX/XX/XXXX ; however, WFDS reported me as being 30 & 60 days late in XXXX and XX/XX/XXXX for {$1.00}. I discovered the error in XXXX and gave them a call. I received a call from the office of the president on XX/XX/XXXX and was advised that it was reported in error and that they were submitting a request to the top 3 bureaus to have it corrected. I also have a letter dated XX/XX/XXXX stating as such. I had no reason to think that they would not correct this issue ; however, they reported me again in XX/XX/XXXX for being 60 days late. I have a letter from WFDS stating that my loan was paid in full on XX/XX/XXXX ; therefore, there is no way I could be 60 days late for XX/XX/XXXX on a paid off account. I have a letter dated XX/XX/XXXX stating they would remove these negative reporting for XX/XX/XXXX., XX/XX/XXXX, and now XX/XX/XXXX. My truck is paid off and I have the title. I tried repeatedly to work with WFDS and XXXX. Upon calling the office of the president yet again in XX/XX/XXXX advising the supervisor, XXXX XXXX  that this information was still on my XXXX account he advised me that because Wells Fargo Dealer Services already advised XXXX once so he needed proof that it is still showing on my credit report.I advised him that I just completed a call with XXXX  and he stated you said you could not get another report until 6 days and it has not been 6 days. Just as cold and heartless and we are now in XXXX! I have never felt so helpless and violated before in my life. For 7 months, as this information was not corrected until XX/XX/XXXX, I went back and forward with Wells Fargo Dealer Services and the bureaus trying to correct my credit report. I have countless log dates of calling in to correct this information with both WFDS and XXXX   Both behaved recklessly and it is clear to see that no one can be 30 to 60 days late on a payment for {$1.00}. My first case with WFDS was on XX/XX/18 - XXXX  and my second case opened on XX/XX/XXXX -XXXX. I sent a copy of my title to all of the bureaus but XXXX  was the only one not to remove this information from my account. On XX/XX/XXXX, XXXX  reached out to XXXX  and was advised that the information of me being 60 days late in XXXX was accurate. There was only one person to show me great sympathy/empathy and that was XXXX XXXX. She followed up with me and did everything in her power to ensure I knew she cared about what was happening to me. Yet still, their credit department failed to electronically submit documentation to have their errors removed. Even one 30 day late impacts your credit by up to 75 points so imagine 2 30 days late and a 60 day late. I have not made a 30 day late payment in 2 years because I was preparing myself to buy a home. I was denied a home loan and denied an increase in credit due to late payments. My credit reports show that the only negative item on my report was from WFDS. Also, both the home lender and my credit union used XXXX  in XX/XX/XXXX to look at my credit information. On one of the reports WFDS had all of my history removed and I need to have that on my report to show great payment history for the last two years. I have filed suit against both Wells Fargo Dealer Services and XXXX for their unwillingness to remove information that they should have known was foul.

The biggest shock/upset was having WFDS attorney send a response asking to have the case rejected without looking at my file stating that I did not have proof of this occurring when the apology letters are in their system for wrongful reporting and a letter showing that my loan was fully satisfied on XX/XX/XXXX.

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