Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
This is a formal follow-up and escalation to CFPB Complaint # XXXX, which was closed improperly by Wells Fargo within XXXX XXXX XXXX a recorded phone callwhile I was in the hospital undergoing a medical procedure and unable to respond. I am a verified federal Witness/Victim Protection participant due to human trafficking and identity theft, and I have provided extensive documentation including an FTC Identity Theft Report, a police report, and a DOJ protection letter. 

Despite this, Wells Fargo falsely claimed I had prior knowledge of a fraudulent credit card ( WFBNA CARD ), which I never opened or used. Their basis for this claim was a billing statement and an unverifiable applicationnone of which show my wet signature, valid consent, or any lawful contract. In fact, during the period the account was allegedly opened, I was living in a federally secured location in Ohio under court supervision for trial testimony. I was not permitted to open or maintain accounts under my real name, and all financial actions were restricted and tracked by federal authorities. 

Furthermore : Wells Fargo admitted during a recorded call that my phone number was not in their system and that they obtained my contact info from the CFPB complaint itselfconfirming no prior relationship. 

I never received any legal notice or right to dispute this debt from Wells Fargo or XXXX XXXX XXXX before it was parked on my credit reports. 

The account was never marked as in dispute with the credit bureaus, violating FCRA 623 ( a ) ( 3 ). 

XXXX XXXX called me without mailing a legally required dunning notice within 5 days of initial contact, violating FDCPA 809. 

Wells Fargo closed the CFPB case without acknowledging my federal protection status or the identity theft documentation submittedviolating FCRA 605B and UDAAP protections for vulnerable consumers.

I suffered extensive damage, including : A credit score drop of over XXXX points Loss of a {$480000.00} mortgage Over {$15000.00} in relocation and hotel expenses Emotional trauma and retraumatization from credit denial while recovering from XXXX This account is fraudulent. I never opened it. The continued reporting and denial of my rights violates : FCRA 605B ( failure to block fraudulent data ) FCRA 605C ( human trafficking protections ) FCRA 623 ( b ) ( failure to investigate disputes ) FDCPA 809 ( failure to validate and notify ) 12 U.S.C. 5531 ( UDAAP - abusive conduct ) 18 U.S.C. 3771 ( Crime Victims Rights Act - fair treatment ) Requested resolution : Immediate and permanent deletion of the fraudulent Wells Fargo tradeline from all credit bureaus ( XXXX XXXX XXXX ) Written confirmation of removal and apology for violating identity theft and trafficking protections Referral to the CFPBs enforcement division for systemic violations by Wells Fargo Forwarding of this complaint to the FTC, XXXX, DOJ Victims of Crime Office, and Georgia Attorney General

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