Consumer complaint received 2026-07-08 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
RE : Formal FCRA Dispute WELLS FARGO AUTO Account No. XXXX To Whom It May Concern : I am formally disputing the accuracy, completeness, and verifiability of the following account appearing on my XXXX consumer report pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i : Creditor : WELLS FARGO AUTO Account Number : XXXX Date Opened : XX/XX/XXXX Account Type : Installment Account Status : Charge-Off Reported Balance : {$23000.00} Past Due Amount : {$23000.00} Status Updated : XX/XX/XXXX I dispute this account because the information being reported appears incomplete, inconsistent, and requires independent verification. Specifically : The payment history contains periods identified as Data Unavailable, resulting in an incomplete account history. The account reflects multiple late-payment notations and charge-off reporting, yet the reporting does not provide sufficient information to independently verify the delinquency chronology. The reported balance and past-due amount are identical, requiring verification of the balance calculations and account status. The account is being reported as a charged-off obligation, and I request verification that all dates, payment history, status codes, and delinquency information are accurate and complete. Pursuant to 15 U.S.C. 1681e ( b ), XXXX is required to maintain reasonable procedures to assure the maximum possible accuracy of information contained in consumer reports. Accordingly, pursuant to 15 U.S.C. 1681i ( a ), I request that Equifax conduct a reasonable reinvestigation and verify every material aspect of this tradeline. Please provide documentary verification of : 1. The complete payment history for the account. 2. The Date of First Delinquency. 3. The date the account was charged off. 4. Documentation supporting all reported 30-, 60-, and 90-day late payments. 5. Documentation supporting the reported balance of {$23000.00}. 6. Documentation supporting the reported past-due amount of {$23000.00}. 7. Verification of all status codes and account-history reporting. 8. Verification that the account is being reported completely, accurately, and in compliance with the FCRA. Additionally, pursuant to 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), I request disclosure of the method of verification used during the investigation, including the name, address, and telephone number of the furnisher and the procedures used to verify the disputed information. If Equifax can not verify every material aspect of this account through a reasonable reinvestigation supported by competent documentary evidence, I demand deletion of the account pursuant to 15 U.S.C. 1681i ( a ) ( 5 ). Please provide written results of your investigation, copies of any documentation relied upon, and an updated copy of my consumer report. I reserve all rights and remedies available under the Fair Credit Reporting Act, including those provided under 15 U.S.C. 1681n and 1681o for negligent or willful noncompliance. Sincerely, XXXX XXXX One thing that stands out : the XXXX version showed no payment history available, while this XXXX version shows specific late-payment history and charge-off coding. If both reports are current and reflect the same account, that discrepancy is worth mentioning in future disputes because it raises questions about whether the underlying data is being reported consistently across bureaus.

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