Consumer complaint received 2025-04-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX | XXXX Date : XX/XX/year> To : Wells Fargo Bank , N.A . 
XXXX XXXX XXXX XXXX XXXX, IA XXXX RE : Debt Validation and Credit Reporting Dispute Account Nos. 
XXXX XXXX To Whom It May Concern : This letter serves as my formal notice of dispute and demand for complete validation regarding the above-referenced accounts, pursuant to the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681s-2 ( b ) ).

I do not acknowledge these accounts as valid obligations. Therefore, I demand the following documentation and proof be provided before any further collection or reporting action is taken : ________________________________________ 1. Full and Proper Validation of Alleged Debt You must provide all of the following : A copy of the original credit agreement bearing my wet-ink signature.

The name, title, and legal authority of the Wells Fargo representative who executed any alleged agreement on your behalf.

A complete transactional accounting of charges, fees, interest, and payments since inception.

Documentation showing the full chain of ownership, including any assignments, securitizations, or sales affecting these accounts.

________________________________________ 2. Verification of Legal Standing Please provide : Evidence that Wells Fargo Bank , N.A . retains current and lawful standing to collect or enforce these alleged debts.

Disclosure of whether either account was ever securitized, sold, or pooled into a trust or structured finance vehicle.

A signed statement by an individual authorized to legally bind Wells Fargo, certifying the above as true and complete.

________________________________________ 3. Immediate Action Regarding Credit Reporting Until the above demands are met in full, I require : Immediate suspension of all collection activity as required by FDCPA 1692g ( b ).

A full reinvestigation and pending deletion of these tradelines from Equifax, Experian, and TransUnion, pursuant to FCRA 1681s-2 ( b ), until such time as lawful validation is completed.

If Wells Fargo can not produce a signed, enforceable agreement, I demand that : All references to the disputed accounts be permanently removed from my credit reports.

A written confirmation be issued to me affirming that Wells Fargo has ceased collection and credit reporting.

________________________________________ Failure to Comply If this dispute is not resolved in full compliance with applicable law, I will proceed with complaints to : The Consumer Financial Protection Bureau ( CFPB ) The Federal Trade Commission ( FTC ) The XXXX XXXX XXXX XXXXXXXX  and XXXX  Additionally, I reserve all rights to pursue legal remedies, including actual, statutory, and punitive damages for unlawful reporting and collection attempts. 
This notice is made in good faith. I expect your complete response within the time required by law. 
Sincerely, /s/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX , GA 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