Consumer complaint received 2022-06-27
Company: WELLS FARGO & COMPANY
State: IL
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:
In Accordance to The Fair Debt Reporting Act. Wells Fargo Bank violated my rights. 
Account number : XXXX XXXX, XXXX XXXX, closed ( 2017 ) ( 5 ) years ago. 
With NEW ACTIVITY negative, abusive, inaccurate remarks reports every ( 2 ) weeks. 

15 U.S.C 1681a ( 4 ) Consumer rights to privacy and my address is a private matter. A violation of my rights. 

Wells Fargo Bank had informed me, that I had been a victim of Data Breach in there system. A data breach has confidential, sensitive and protective information that were viewed and shared by others without my permission. A violation of my rights. This is illegal and should be removed immediately. 

According to the IRS Form 1099c must be filed regardless of whether the debtor is required to report the debt as INCOME. The IRS states : Obtain a 1099c and it must be filled as income. Income is not reported on a consumer report. Charge offs, once a charge off is filed it is supposed to be put on your taxes as part of your income, as ordinary income. A status of a charge off reporting is an inaccurate reporting of Wells Fargo Bank. Wells Fargo Bank reporting income as a charge off is ILLEGAL and violates MY RIGHTS and IRS LAWS and should be deleted immediately. 

15 U.S.C 1692b Harassment or Abuse : A debt collector may not engage in any conduct the natural consequences of which is to harass, oppress or abuse any person in connection with the collection of debt. 

15 U.S.C 1692c ( a ) Communication in connection with debt collection. Without the prior consent of the consumer given directly to the collector. ( Wells Fargo Executive RepXXXX XXXX XXXX ext XXXX ) left messages stating she was personally assigned to resolve these inaccurate issues. Soon after Wells Fargo Bank, abusive inaccurate reporting has doubled. New negative remarks have been reported, causing even more damage against my profile. 

15 U.S.C 1681c ( A ) ( 5 ) Adverse Item : No consumer reporting agency can produce any adverse information. Which has caused my homeless and I lost a job. 

15 U.S.C 1692 Advertising of Debt to coerce a payment. Negative documentation. A violation of my rights. 

15 U.S.C 1692 ( a ) Congressional findings and declarations of purpose : There is abundant evidence of the use of deceptive and unfair debt collections practice by many that contribute to personal invasion of privacy. A violation of my rights.

15 U.S.C 1692f Unfair practices a collector can not may not use unfair and unconscionable means to collect or attempt to collect any debt ( 1 ) reporting open credit limits to {$600.00}.

15 U.S.C 1692e ( 2 ) ( a ) False or Misleading represent False representation of amounts or legal status of any debt. The character, amount, or legal status of any debt.

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 non-monetary relief