Consumer complaint received 2024-08-25 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: GA

Complaint narrative:
Upon reviewing My Three ( 3 ) Bureau Credit reports in XXXX of XXXX it came to My Attention that there was a Derogatory Statement Listed and Filed by WELLS FARGO CARD SERVICES XXXX. XXXX CARD Whose Mailing Address was listed, as per My Consumer Credit Reports as XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX and Whose Contact number is TEL : XXXX. 

I dispatched My First Correspondence of DISPUTE to this Institution on XX/XX/XXXX via Certified XXXX Mail Disputing said account as well as Requesting VALIDATION pursuant to the Fair Debt Collection Practices Act and Fair Credit Reporting Act be sent to My provided MAILING address, that is. Competent Evidence Bearing My Signature, showing that I am the Owner of this Debt or that I have or ( Ever Had ) ANY contractual Obligation to said Institution. This Correspondence was Received and Signed for by an Officer/Representative of this Institution on XX/XX/XXXX as evidenced by the XXXX Receipt XXXX received in the mail. 

To Date, I have NOT received an Answer to the above correspondence as requested from said Institution. 

On XX/XX/XXXX, I dispatched a Second Correspondence of Dispute and Validation for this Alleged Account, to this Financial Institution again, through Certified XXXX Mail, notifying them that they have Violated Federal and State Laws by NOT responding and providing any Evidentiary Validation bearing XXXX XXXX, showing that this Account is Either mine or That I have ever had any Contractual Obligation to Pay them this Amount. 

It should be further Noted that according to the FCRA, that a Charge Off Can not have an Outstanding Balance. It should also be Noted that this Account Number if Incomplete and represents another Violation as per the FCRA as well as the Fair Debt Collection Practices Act. 

Further to such, and as is required as per Section XXXX ( b ) of the FDCPA which requires a debt collector, upon receipt of a written debt validation request from a consumer, to cease collection of the debt until IT ( meaning the collection agency ) obtains verification of the debt and mails it to the consumer. It was clear to Me at this Point that Wells Fargo had NO issue with violating My Consumer Rights. 

Wells Fargo Card Services, XXXX. XXXX CARD, To Date HAS NOT responded to My Correspondences or Provided ANY Validation Documentation Bearing My Signature that I am either the Owner of this Account or am Contractually Obligated to Them for this Amount. 

Finally, on XX/XX/XXXX, I sent a Third Dispute and Validation Letter of Request to this Institution to the Address Listed via My Consumer Credit Reports again requesting ANY Evidentiary Documentation Bearing My Signature showing that this Debt is indeed mine and that I have or have ever had ANY Contractual Obligation to said Institution as it relates to this Alleged Debt. I further stated and reminded this Institution in this Certified Letter that : on XX/XX/XXXX the CFPB released its Fair Debt Collection Practices Act Annual Report, and it stated the following : The Bureau notes that one or more debt collectors continued collection activity despite not properly obtaining and mailing debt verification after a consumer exercised his or her 1692g rights. Specifically, the Bureau calls out the practice where debt collectors forwarded consumer debt validation requests to the relevant clients, who mailed responses directly to the consumers. Section 809 ( b ) of the FDCPA requires a debt collector, upon receipt of a written debt validation request from a consumer, to cease collection of the debt until IT ( meaning the collection agency ) obtains verification of the debt and mails it to the consumer.

Examinations found that one or more debt collectors routinely failed to mail debt verifications before engaging in further collections activities. Instead, one or more debt collectors forwarded consumer debt validation requests to the relevant clients, who mailed responses directly to consumers and the debt collectors then continued collection activities on accounts in violation of section XXXX ( b ) of the FDCPA. 

It should also be noted that I ensured that I notified this Company that as per As per FTC opinion letter from Attorney XXXX XXXX XXXX, that they, Meaning Wells Fargo, should be aware that A printout of a bill or itemized document does NOT constitute verification.

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