Consumer complaint received 2018-02-12
Company: WELLS FARGO & COMPANY
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I sent a letter to Wells Fargo Home Mortgage on XX/XX/XXXX regarding some inaccuracies in my credit reports ( see attached ). In response, I received a letter dated XX/XX/XXXX from XXXX XXXX, Executive Resolution Specialist with Wells Fargo Home Mortgage ( see attached ). XXXX XXXX 's letter did not resolve the issues I have with Wells Fargo Home Mortgage. The major concern I have with my credit reports at this time is that they incorrectly reflect my Wells Fargo Home Mortgage payment history. Following are my specific issues with the three reports : XXXX  Report dated XX/XX/XXXX page 5 The Payment history ends in XX/XX/XXXX and shows no data from XX/XX/XXXX through XX/XX/XXXX. I paid you throughout my bankruptcy and I am currently paid through XX/XX/XXXX ( see attached statement dated XX/XX/XXXX and Customer Account Activity Statement as of XX/XX/XXXX ). 
XXXX XXXX says in her letter that : we can confirm that we accurately reported this account to the consumer reporting agencies from XX/XX/XXXX to XX/XX/XXXX. We will not be making any adjustments for this timeframe as we are required to report the accurate payment history to the consumer reporting agencies. 
I am not asking you to report any adjustments or inaccurate information to the credit reporting agencies, I am asking you to report the same information that is in the Customer Account Activity Statement that XXXX XXXX sent to me. I am sure that they are more likely to make corrections to my credit reports if they receive the information from you. 
On page 2 of her letter XXXX XXXX states that : Wed like you to know that between XX/XX/XXXX and XX/XX/XXXX, we inadvertently suppressed submitting the account to credit reporting agencies. Weve advanced a request to resume submitting the account to credit reporting agencies, and we apologize for any inconvenience this may have caused. She goes on to say that : While we understand your concern about your credit report, we respectfully deny your request to retroactively report months that were suppressed. 
While I appreciate XXXX XXXX apology for inadvertently suppressing my account information, I do not understand why you are refusing to report correct information for this time period now. You are admitting that you made a mistake, but are refusing to correct it. 
At the bottom of page 1 of her letter, XXXX XXXX states : Based on our research, weve determined that your account was handled appropriately. If this is your companys idea of handling an account appropriately, it is no wonder that you have had serious public relations problems for the past few years. 
Under Comment, it states : Completed investigation of FCRA dispute-consumer disagrees. 
I am not sure if XXXX is extremely inept in conducting investigations or if you are not forthcoming with correct information when they contact you, but I have asking you and XXXX  to correct this clearly inaccurate information for months to no avail. 

XXXX  Report dated XX/XX/XXXX page 16 This report lists no payment history, so all of the issues listed under the XXXX Report apply here as well. 
In addition, no balance amount is listed, Date of Last Payment is listed as XX/XX/XXXX, Date of 1st Delinquency is listed as XX/XX/XXXX, Date of Major Delinquency 1st Reported is XX/XX/XXXX. These are all incorrect and you should send correct information to XXXX. 

XXXX  Report dated XX/XX/XXXX page 1 This report lists no payment history, so all of the issues listed under the XXXX Report apply here as well. 
Shows {$0.00} balance, Last Payment Made XX/XX/XXXX, Date Closed XX/XX/XXXX. These are all incorrect and you should send correct information to XXXX. 
Under remarks, it states Dispute Investigation complete, consumer disagrees. Again, I am not sure if XXXX is extremely inept in conducting investigations or if you are not forthcoming with correct information when they contact you, but I have asking you and XXXX to correct this clearly inaccurate information for months to no avail.

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