Consumer complaint received 2026-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I have submitted 10 rounds of formal written disputes to XXXX regarding a XXXX XXXX XXXX XXXX account reporting a balance of {$23000.00} as 150 days past due. This account is fraudulent and was opened without my authorization. I hold an active FTC Identity Theft Report ( # XXXX ) identifying the perpetrator by name, and I am a confirmed XXXX Data Breach victim ( Engagement # XXXX / Report # XXXX ). Under 15 U.S.C. 1681c-2, XXXX is legally required to block fraudulent tradelines within 4 business days of receiving a valid identity theft report they have failed to do this across 10 dispute rounds spanning over two years. This account has been deleted and reinserted multiple times without written furnisher certification or the required 5-day consumer notice, which is a direct violation of 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). XXXX own file comment states dispute resolved consumer disagrees, confirming they are knowingly continuing to report an account I have disputed as fraudulent. This account does not appear on either XXXX or XXXX a {$23000.00} derogatory account appearing on only one of three bureaus with XXXX corroborating data is XXXX XXXX evidence of inaccuracy under 15 U.S.C. 1681e ( b ). All disputes were sent via XXXX Certified Mail with return receipt. XXXX continued reporting constitutes willful non-compliance under 15 U.S.C. 1681n. I am requesting that XXXX permanently delete this account immediately under 15 U.S.C. 1681c-2, provide written confirmation of the deletion, and provide a free updated credit report per 15 U.S.C. 1681j. XXXX must also cease all future reinsertion of this item without written furnisher certification and 5-day consumer notice as required by law. Each reinsertion without proper notice is a separate {$1000.00} statutory violation. Failure to resolve this complaint will result in civil litigation in XXXX XXXX XXXX for the XXXX XXXX Colorado seeking actual damages, statutory damages of {$1000.00} per violation, punitive damages, and mandatory attorneys fees under XXXX XXXX. 1681n. COMPLAINT 2 XXXX / WELLS FARGO 30-DAY LATE XXXX is reporting a 30-day late payment notation for XX/XX/year> on my Wells Fargo WFBNA Card account XXXX This account has always been paid as agreed and has never been legitimately 30 days late. The proof is Wells Fargos own reporting XXXX shows this identical account as positive with XXXX adverse notations, while XXXX reports derogatory status. The same furnisher, same account, same billing period can not produce contradictory reports unless the information being reported to XXXX is inaccurate. Most critically, XXXX own file shows this account is marked In Dispute. Under 15 U.S.C. 1666 ( b ) of the Fair Credit Billing Act, it is absolutely prohibited to report a late payment on a disputed billing account. This is a strict liability violation there is no available defense. I submitted a formal written dispute to Wells Fargo on XX/XX/year> via XXXX Certified Mail demanding deletion of this notation. I have also submitted 10 rounds of disputes directly to XXXX on this item. Each round has been met with non-compliance. XXXX is simultaneously acknowledging this account is In Dispute while continuing to report it as derogatory two legally contradictory positions that constitute willful non-compliance under 15 U.S.C. 1681n. This inaccurate late payment notation has directly damaged my credit scores and my ability to obtain financing for my businesses. I am requesting that XXXX immediately delete the 30-day late notation for XX/XX/year> and update this account to Paid as Agreed/ Never Late, consistent with what XXXX is accurately reporting. This is required under 15 U.S.C. 1666 ( b ) and 15 U.S.C. 1681e ( b ). I am also requesting written confirmation of the correction and a free updated credit report per 15 U.S.C. 1681j. If XXXX can not produce documentary proof of a legitimate 30-day delinquency in XX/XX/year> including the original signed credit agreement, complete payment ledger, and proof the account was not in dispute at the time the notation was applied the notation must be deleted immediately. Failure to resolve this complaint will result in civil litigation seeking actual damages, statutory damages, punitive damages, and mandatory attorneys fees under 15 U.S.C. 1681n and 15 U.S.C. 1666 ( b ).

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