Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am filing this complaint because Wells Fargo is reporting a credit card account ( WFBNA CARD ending in XXXX ) that is inaccurate, unverified, and contains multiple irregularities that have caused severe harm to my credit, my housing stability, and my personal life. Wells Fargo claims this account was opened on XX/XX/XXXX, at a branch, using information I allegedly provided. I dispute the validity of this account. I did not authorize or knowingly open any such account, and I never signed any application in person at a Wells Fargo branch. Wells Fargo has failed to provide any original wet-ink signature or verifiable identification documents tied to me at the time of account opening. The documents they provided appear inconsistent and raise concerns of improper authentication. Additionally, the address they associate with this accountXXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXXis NOT my address and has no connection to me. My correct and only valid mailing address is : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Any other addresses are fraudulent and indicate identity theft or misreporting. Wells Fargo also reported 80+ consecutive months of derogatory activity, including charge-off notations that appear mathematically impossible and inconsistent with the timeline they themselves provided. The reporting history violates FCRA 607, 609, 611, and 623 due to demonstrably inaccurate information. Despite this, Wells Fargo denied my identity theft claim on XX/XX/XXXX without a thorough investigation. Their validation does not meet FCRA requirements, and they did not provide : A legitimate signed application with verifiable identification Any video or branch documentation proving I was physically present Any IP logs or digital signature records tied to me Any documentation proving the disputed address belongs to met, then claimed the charge-off balance remains {$190.00}. This inconsistency further proves inaccurate reporting. This ongoing inaccurate reporting has caused me severe hardship. I have been unable to obtain housing, have experienced homelessness, and have been sleeping in my car. The continued reporting of an account Wells Fargo can not legitimately verify is causing direct, measurable harm to my life and well-being. I am requesting the OCC to : Conduct a full investigation into Wells Fargos identity authentication procedures for this account. Require Wells Fargo to produce verifiable, lawful documentation showing I opened this account. Require Wells Fargo to correct or delete all inaccurate reporting associated with this account. Require Wells Fargo to remove all fraudulent addresses tied to the account. Review Wells Fargos denial of my identity theft claim for failure to properly investigate. I am seeking full correction or deletion of the account from all credit bureaus due to Wells Fargos failure to properly validate the account, along with enforcement action for violations of the Fair Credit Reporting Act. I certify that all statements in this complaint are true and accurate to the best of my knowledge.

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