Consumer complaint received 2025-12-15 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
Relationship to Account : Primary consumer whose credit file is being furnished by Wells Fargo Bank , N.A . 

-- - XXXX. Nature of This Supplemental Complaint This supplemental complaint does not concern contract formation, alleged electronic signatures, or origination of the account. 

This filing addresses new and independent violations of the Fair Credit Reporting Act committed by Wells Fargo Bank , N.A . after : My formal dispute My prior CFPB complaint Wells Fargos acknowledgment of that dispute Wells Fargos decision to close the account The violations described below are stand-alone, ongoing, and actionable regardless of Wells Fargos position concerning origination. 

-- - XXXX. Timeline of Relevant Events XX/XX/XXXX I formally disputed the Wells FargoXXXX XXXX XXXX XXXX XXXX. 

XX/XX/XXXX Wells Fargo removed the trade line from my consumer credit reports. 

XX/XX/XXXX ( approx. ) Wells Fargo reinserted the trade line without providing the required FCRA reinsertion notice. 

XX/XX/XXXX I submitted a supplemental CFPB complaint supported by forensic evidence. 

XX/XX/XXXX Wells Fargo closed the account. 

XX/XX/XXXX Wells Fargo reported new late payments, escalated delinquency status, and revolving utilization on a closed account. 

-- - XXXX. New Violations : Post-Dispute and Post-Closure Credit Reporting Violation XXXX : Reporting Late Payments After Account Closure After closing the account on XX/XX/XXXX, Wells Fargo reported the account as : XXXX days late Worst payment status of XXXX  days late XXXX missed payments A closed account can not legally accrue new late payments. Reporting post-closure delinquency constitutes furnishing factually inaccurate information. 

This conduct violates 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), which prohibits furnishing information known or reasonably believed to be inaccurate, and 15 U.S.C. 1681s-2 ( a ) ( 2 ), which requires correction of inaccurate or incomplete information. 

-- - Violation XXXX : Illegal Escalation and Re-Aging of Delinquency Wells Fargo escalated the accounts delinquency status after closure by reporting a worst status of XXXX  days late, while simultaneously reporting delinquency counts of XXXX XXXX late, XXXX XXXX late, and XXXX XXXX late occurrences. 

This reporting is internally inconsistent and mathematically impossible. Escalating delinquency after closure constitutes unlawful re-aging. 

This violates 15 U.S.C. 1681e ( b ) for failure to maintain reasonable procedures to ensure accuracy and 15 U.S.C. 1681s-2 ( b ) ( 1 ) for failure to conduct a reasonable investigation after dispute. 

-- - Violation XXXX : Improper Utilization Reporting on a Closed Account Wells Fargo reported the following after account closure : Credit limit of approximately {$10000.00} Balance of approximately {$10000.00} Utilization between XXXX and XXXX percent Utilization metrics apply only to open revolving accounts. Reporting utilization on a closed account materially misrepresents credit risk and is inherently misleading. 

This violates 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ). 

-- - Violation XXXX : Failure to Provide Required Reinsertion Notice After deleting the trade line in XX/XX/XXXX, Wells Fargo reinserted the account in or around XX/XX/XXXX without providing written notice within XXXX business days. 

This violates 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), which requires prompt written notice of reinsertion. This violation is subject to strict liability. 

-- - Violation XXXX : Continued Furnishing After CFPB Notice Without Reasonable Investigation After receiving my XX/XX/XXXX CFPB complaint supported by forensic evidence, Wells Fargo : Failed to request native DocuSign audit logs Failed to analyze API-generated signature reuse Declared the matter final without further investigation Continued furnishing derogatory credit information A furnisher may not refuse reinvestigation when presented with new evidence. Continuing to furnish derogatory information under these circumstances violates 15 U.S.C. 1681s-2 ( b ) ( 1 ) ( A ) through ( D ). 

Courts have consistently held that conclusory denials without meaningful evidence review do not satisfy the FCRAs investigation requirements. 

-- - XXXX. Material Harm to the Consumer As a direct result of Wells Fargos post-closure credit reporting : My credit score was suppressed I was subjected to false delinquency indicators My utilization was artificially inflated My credit file reflects derogatory activity that could not legally exist -- - XXXX. Requested Relief I respectfully request the following corrective actions : XXXX. Immediate deletion of the Wells FargoXXXX XXXX XXXX XXXX XXXX from all consumer reporting agencies XXXX. Written acknowledgment that post-closure delinquency reporting was erroneous XXXX. Cessation of all furnishing related to this account XXXX. Correction of all utilization metrics associated with this trade line XXXX. Referral for enforcement review under the Fair Credit Reporting Act and the Consumer Financial Protection Act for knowing or reckless furnishing of inaccurate information

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