Consumer complaint received 2022-05-13
Company: WELLS FARGO & COMPANY
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
In response to many complaints that I have submitted against Wells Fargo. My name is XXXX XXXX, a federally protected consumer, an agent and principle, holder in due course and attorney in fact to XXXX XXXX. 

i pulled my credit report XX/XX/22 and seen that Wells Fargo wants to cause stress and axiety to my life by causing harm to financial reputation. 

WELLS FARGO has continued to violate my cease and desist order thats bein effect since XXXX XXXX by still communicating with me. WELLS Fargo is continuing to commit a unlawful extortion act against me. 

The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium pursuant to 15 USC 1692a ( 2 ). As you should be aware that a credit report is a medium. So why are you still communicating with me by furnishing an account to my consumer report? 

Im aware, Wells Fargo has also sold this account to an collections agency, which im aware is securities fraud! UCC 1-306. Waiver or Renunciation of Claim or Right After Breach states A claim or right arising out of an alleged breach may be discharged in whole or in part without consideration by agreement of the aggrieved party in an authenticated record. 

Im aware that a charge-off is the writing off of a debt and termination of collection activity without release of personal liability under federal regulation. WELLS FARGO written this debt off and filed a 1099-C since I wasn't provided with a 1099-C. Why is your gross income being reported to my consumer report? But you're still trying to extort me and communicate with me after I sent a cease and desist order. 

Not to mentention the deep pool of FCRA violations they have commited Im also aware that FCRA states that i have a right to a fair and equitable credit report and that i also have the right to privacy, meaning that anything i dont want furnished on my credit report can be removed by law. 

Wells Fargo stated in complain # XXXX 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 the account information is being reported accurately to the consumer reporting agencies with a status of " Charge-off ; {$1100.00} balance. Since we confirm that we are correctly reporting this account, we are unable to honor the request to delete or update the reporting to reflect a more favorable account history. 
We have sent a request to the credit reporting agencies asking them to update their records as we have confirmed inconsistent reporting. The consumer reporting agency updates may take up to 60 days for processing. After that time, you may contact them directly to request an updated copy of your credit report. If you need proof of our request before the agency update is complete, you may use this letter as evidence. Each company is required to provide you with a free copy of your report, once every 12 months. 

But how is this possible when the FCRA states once again, that i have a right to a fair and equitable credit report and that i also have the right to privacy. 

Im aware in complain # XXXX that Wells Fargo is furnish false and deceptive forms.

Im also aware that Wells Fargo case specialist XXXX XXXX stated in a enterprise complaint that i had a loan with Wells Fargo. Which is completely false and deceptive pursuant to 15 USC 1692e Now im aware Wells Fargo are making false claims pursuant to 31 U.S. Code 3729 Stop commiting fraud!

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