Consumer complaint received 2025-09-28 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: VA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX, VA XXXX Last 4 of Social : XXXX Credit Bureau : XXXX  RE : Reinserted Previously Deleted Late To Whom It May Concern, I disputed one fraudulent 30 day late in XXXX on XXXX  on the CFPB for an account reported by Wells Fargo in the file you maintain under my Social Security number. 

I was previously informed after successfully disputing that the the lates were deleted from my credit report From XXXX  and XXXX. 

Now I have discovered that the item has been reinserted on my XXXX  and XXXX  credit reports, and hasnt been removed from XXXX. 

In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. 

( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 

I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law. 

Under 15 USC 1681a the law states : ( 2 ) Exclusions * * Except as provided in paragraph ( 3 ), the term consumer report does not include : ( 1 ) Reports containing information solely as to transactions or experiences between the consumer and the person making the report. 

This means that my transactions or experiences with your company are excluded by law from my consumer report. I am demanding that this transaction or experience be deleted from all three consumer reports. 

There is no specific law that requires you to report a transaction as a late payment. The only potential law that addresses late payments is * * * 15 U. S. Code 1666b - Timing of Payments * * * * * ( a ) Time to make Payments * * A creditor may not treat a payment on a credit card account under an open-end customer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures to ensure that each periodic statement, including the information required by * * * Section 1637 ( b ) * * of this title, is mailed or delivered to the consumer at least 21 days before the payment due date.

Please provide the tracking number for the periodic statement that was mailed or delivered 21 days before my payment due date, along with all the information required under Section 1637 ( b ) I hereby demand that you immediately delete the 30 day late in XXXX on my closed Wells Fargo account from ALL THREE credit reports in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney General 's Office, and the XXXX. 
If you are unable to provide this information, all of my previous CFPB disputes and correspondence with CRAs may be used in any legal action for violations of consumer protection laws, specifically : * * * FCRA ( 15 USC 1681 ( a ) * * * * * * 15 USC 1681s-2 * * * * * * * 15 USC 1681n * * * * * * 15 USC 1666b * * * ( Timing of Payments ) Please govern yourself accordingly. 

CC : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : : XXXX 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 non-monetary relief