Consumer complaint received 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Good Afternoon After reading you response that was sent to me, Im appalled. Now, I understand the challenges my attorney has been facing with getting all documents related to this account. You claim that you havent received any correspondence from his office, although I have proof that it was sent CRR and by fax. It seems that we are going in circles. What I am requesting is validation of this account. As stated before, I have sent you copies of the return receipts, and yet, you still have failed to provide my attorney with any substantial documents as requested. That being said, I am requesting the same documents and information he did in the original complaint. I have attached a list of items I am requesting from you, please send those directly to me. 

This letter is being sent to you in response to a derogatory listing on XXXX XXXX credit report. Be advised that this is a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 that the above-referenced claims are being disputed and VALIDATION is requested.

Therefore, in accordance with the Fair Debt Collection Practices Act, Section 809 ( b ) : Validating Debts : If the consumer notifies the debt collector in writing within the statutory thirty-day period that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 

XXXX XXXX has provided your name and address as the person who verified the accuracy of the reporting of this account. Please provide to me the documentation you provided to XXXX XXXX to verify this account. In addition, we would like any documentation on file supporting your claim regarding this account. All original documents that are the basis for your claim that this account is reported accurately are requested. 

You are required by law to ensure that any information being reported by the credit bureaus is both accurate and complete. You are not fulfilling your obligations as they pertain to the above- referenced account. 

1 ) Evidence that the name, date of birth, and address of my client that was verified before reporting the credit bureaus about this alleged debt ; ( 2 ) The amount of the debt and how the amount was calculated ; ( 3 ) The name, address, and phone number of the original creditor to whom the debt is owed ; ( 4 ) Numbers and email addresses of any employee that opened, interacted, or managed this alleged debt ; to prep for deposition ( 5 ) A copy of the front and back of the driver license that was used to open this account ( 7 ) A copy of any judgment if applicable ; ( 8 ) Proof that the Statute of Limitations has not expired on these accounts ; ( 9 ) Your license numbers ; 10 ) Name and contact information for your Registered Agent.

You have thirty ( 30 ) days from receipt of this notice to respond. You do not have to respond to this dispute but if you do, any attempt to collect this debt without validating it violates the Fair Debt Collections Practices Act.

This debt is now disputed ; therefore, until validated you know your information concerning this debt is inaccurate. Thus, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ) then, you must immediately inform them of the dispute with this debt. Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act 1681s-2. Should you pursue a judgment without validating this debt, we will inform the judge and request the case be dismissed based on your failure to comply with the FDCPA.

You have thirty ( 30 ) days from the receipt of this notice to respond.

Thank you

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