Consumer complaint received 2025-02-16 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX XX/XX/year> WELLS FARGO AUTO XXXX XXXX XXXX XXXX, NC XXXX Dispute of Inaccurate Credit Information - Notice of Error Under FCRA To Whom It May Concern : I am writing to formally dispute inaccurate information that your company, WELLS FARGO AUTO, has reported to the credit bureaus. This letter serves as my notice of error under the Fair Credit Reporting Act ( FCRA ) and my formal request for investigation and correction of the erroneous information.

Pursuant to the FCRA, 15 U.S.C. 1681s-2 ( b ), you are legally obligated to conduct a reasonable investigation into my dispute and to correct any inaccurate or incomplete information. Additionally, under the FCRA 1681i ( a ) ( 1 ), you must complete this investigation within 30 days of receiving this notice.

Furthermore, I draw your attention to the following legal provisions : 1. The Equal Credit Opportunity Act ( ECOA ), 15 U.S.C. 1691 et seq., which prohibits discrimination in credit transactions, including the reporting of credit information. 

2. The Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., if applicable, which regulates the behavior of debt collectors and protects consumers from deceptive practices.

3. The Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531, which prohibits unfair, deceptive, or abusive acts or practices in consumer financial products or services.

Please thoroughly investigate the accuracy of the following information : AUTO LOAN If you find this information to be inaccurate or unverifiable, I demand that you promptly delete or correct it and send updated information to all credit bureaus to which you report, as required by FCRA 1681s-2 ( b ) ( 1 ) ( E ).

As mandated by the FCRA, please provide me with written results of your investigation within 30 days. Be advised that failure to respond within the required 30-day period will necessitate the removal of all disputed items from my credit report, as per FCRA 1681i ( a ) ( 1 ).

Moreover, in accordance with the Telephone Consumer Protection Act ( TCPA ), 47 U.S.C. 227, I hereby revoke any prior express consent that may have been given for you to call my cellular phone number using an automatic telephone dialing system or artificial/prerecorded voice.

Please be aware that any failure to comply with this request may result in further legal action, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) or pursuing civil litigation under FCRA 1681n for willful non-compliance.

I appreciate your prompt attention to this matter. If you require any additional information to facilitate your investigation, please contact me in writing at the address listed above. 

Sincerely, XXXX XXXX Phone : XXXX Email : XXXX 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