Consumer complaint received 2025-11-18 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: TX

Complaint narrative:
Wells Fargo has provided contradictory and inconsistent responses regarding a fraudulent account that was deleted from my credit report and then illegally reinserted. Their letters conflict with each other, violate multiple provisions of the Fair Credit Reporting Act ( FCRA ), and fail to meet the documentation standards required when a consumer reports identity theft.

I am requesting CFPB intervention due to Wells Fargos repeated mishandling, their inaccurate reporting, and their failure to comply with reinsertion rules under FCRA 611, fraud investigation requirements under 609 ( e ), and furnisher duties under 623 ( a ).

1. Illegal Reinsertion of Deleted Account FCRA 611 ( a ) ( 5 ) ( B ) On XX/XX/year>, my credit report notified me that the Wells Fargo credit card account ( WFBNA CARD / Wells Fargo Card SER ) was deleted. 
Later, Wells Fargo sent a letter dated XX/XX/year> stating : We have submitted an adjustment request to the credit reporting agencies to ensure this account is accurately and consistently reported as Charged off ; {$3300.00} balance. 
This is a reinsertion, and it is illegal because : I received no reinsertion notice within XXXX business days Wells Fargo never certified the reinsertion with any bureau They did not notify me that they were reversing the deletion This is a clear violation of FCRA 611 ( a ) ( 5 ) ( B ). 
XXXX. Conflicting Statements Between Wells Fargos Own Letters Wells Fargo has issued multiple responses that contradict each other : Contradiction XXXX XXXX No new information XXXX. Newly Added Claims In the XX/XX/year> letter, Wells Fargo stated : You did not provide new information our response remains unchanged. 

Yet, in the XX/XX/year> letter, Wells Fargo added new claims not present in earlier investigations, including : New statements about alleged account activity New assertions about the application A new reporting adjustment request This contradicts their earlier claim that no new information existed or was reviewed. 
Contradiction XXXX XXXX Account accurately reporting vs. Account previously deleted Wells Fargo repeatedly insists : We confirm we are accurately reporting this account as Charged off ; {$3300.00}. 
But my credit report shows the account was deleted on XX/XX/year> meaning Wells Fargo either : Told the bureaus to delete it earlier, or The bureaus deleted it due to insufficient verification Either way, their later insistence that the account was always accurate conflicts with the actual deletion. 
Contradiction # XXXX We investigated vs. No required fraud documentation provided In both letters, Wells Fargo repeatedly claims : You received and activated the card You made payments You received overdraft protection transfers But they provided NO : XXXX address logs Device/browser fingerprints Login metadata Geolocation info Session timestamps Email verification logs Proof the application originated from Me Authentication logs Session IDs The only proof offered was : You clicked a checkbox to consent to the application.

Wells Fargo Record of Application shows : No drivers license No phone number Fake employer XXXX XXXX  monthly income Wrong address No identity verification No logs No authentication data Banks are REQUIRED to verify identity before opening credit. 
They didnt. 
This is a huge compliance failure.

This is not fraud validation under FCRA 609 ( e ).

Their letters repeatedly assert validation while providing zero legally-required supporting documentation. Meaning their evidence is unsupported and unverifiable. 
XXXX. Failure to Perform a Reasonable Investigation FCRA 623 ( a ) ( 3 ) Wells Fargo denied my identity theft claim without providing : Any forensic evidence Any application metadata Any proof linking me to the IP address used Any evidence the transactions were authenticated by me They instead recycled the same generic language, even while contradicting themselves in subsequent letters. 
Contradiction XXXX  XXXX Credit reporting is already accurate vs. We corrected your credit reporting XX/XX/year> : We confirm we are accurately reporting this account. 
XX/XX/year> : We submitted an adjustment request to ensure consistent reporting. 
If it was accurate, WHY did they adjust it? 

XXXX. Failure to Block Fraudulent Information FCRA 609 ( e ) I submitted : A police report A written identity theft statement Documentation disputing the account Under FCRA 609 ( e ), Wells Fargo must block this account within 4 business days unless they can prove I am responsible.

They have provided no proof, yet continue reporting the debt. 
XXXX. Wells Fargos Pattern of Evasion The letters show a pattern : XX/XX/year> : We already addressed this. No new information. 
XX/XX/year> : They suddenly provide new explanations AND direct the bureaus to reinsert a deleted account. 
They ignore fraud evidence and repeatedly shift the narrative between letters. 
This demonstrates bad-faith handling of my dispute. 
XXXX.Wells Fargo Used an Address I Never Lived At and Updated Their Records ONLY After Calling Me Wells Fargos letters contain addresses I have never lived at, including the address shown in the XX/XX/year> letter : This demonstrates that Wells Fargos records contain incorrect or fraudulent 3. Failure to Perform a Reasonable Investigation FCRA 623 ( a ) ( 3 ) Wells Fargo denied my identity theft claim without providing : Any forensic evidence Any application metadata Any proof linking me to the XXXX address used Any evidence the transactions were authenticated by me They instead recycled the same generic language, even while contradicting themselves in subsequent letters. 
XXXX. Failure to Block Fraudulent Information FCRA 609 ( e ) I submitted : A police report A written identity theft statement Documentation disputing the account Under FCRA 609 ( e ), Wells Fargo must block this account within 4 business days unless they can prove I am responsible.

They have provided no proof, yet continue reporting the debt. 
XXXX. Wells Fargos Pattern of Evasion The letters show a pattern : XX/XX/year> : We already addressed this. No new information. 
XX/XX/year> : They suddenly provide new explanations AND direct the bureaus to reinsert a deleted account. 
They ignore fraud evidence and repeatedly shift the narrative between letters. 
This demonstrates bad-faith handling of my dispute. 
XXXX.Wells Fargo Used an Address I Never Lived At and Updated Their Records ONLY After Calling Me Wells Fargos letters contain addresses I have never lived at, including the address shown in the XX/XX/year> letter : This demonstrates that Wells Fargos records contain incorrect or fraudulent identifying information, which is consistent with identity theft. 
Additionally, Wells Fargo contacted me by phone and attempted to get me to verify myself, after which they suddenly updated my account with my current address, as reflected in the XX/XX/year> letter : Wells Fargo should not be adding or modifying identifying information on an account that is under fraud dispute, and doing so violates : FCRA 623 ( a ) ( 1 ) ( A ) Duty to report accurate information FCRA 623 ( a ) ( 2 ) Prohibition on altering information in a manner that makes reporting inaccurate FACTA Identity Theft Red Flags Rule Failure to identify and respond to indicators of fraud FCRA 609 ( e ) Duty to block fraudulent information This proves Wells Fargos investigation was not reasonable and that the account does not belong to me.

No fraudster opens an account under one address and magically updates it years later with a new address I only provided in XXXX. This demonstrates contamination of the account file and invalidates their entire validation.

Wells Fargos investigation relied on : A fraudulent application Wrong address Incorrect employer Implausible income Missing ID verification No digital authentication No metadata proving I opened or used the account This does NOT meet the definition of a reasonable investigation.

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