Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
To Whom It May Concern : This correspondence serves as my formal rejection of Wells Fargos XX/XX/XXXX response regarding the above-referenced account Wells Fargo has failed to conduct and document a legally sufficient investigation under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and continues to report disputed information without proper verification. I. Failure to Conduct a Reasonable Investigation Wells Fargo acknowledges that a fraud claim was opened on XX/XX/XXXX and closed on XX/XX/XXXX A one-day fraud investigation does not meet the standard of a reasonable investigation as required under : 15 U.S.C. 1681s-2 ( b ) 15 U.S.C. 1681i ( a ) Regulation V No documentation was provided demonstrating : IP address logs Device authentication records Identity verification procedures Multi-factor authentication confirmation Application metadata establishing identity A checkbox-based online consent without authentication evidence does not establish enforceable liability. II. Insufficient Proof of Alleged Payment Authorization Wells Fargo asserts a {$280.00} payment was made from a savings account ending in XXXX. However, Wells Fargo has failed to provide : ACH authorization documentation Electronic consent records Payment authentication logs Proof that the account credentials were not compromised A payment alone does not establish contractual responsibility absent proof of authorization and identity verification. III. Continued Reporting of Disputed Information Wells Fargo confirms it continues to report the account as : Charged off ; {$3200.00} balance. If Wells Fargo can not produce competent evidence verifying identity authentication and authorization, continued reporting constitutes potential negligent or willful noncompliance under : 15 U.S.C. 1681n 15 U.S.C. 1681o IV. Formal Demand Pursuant to federal law, I demand within 15 days : 1. Method of Verification under 15 U.S.C. 1681i ( a ) ( 7 ) 2. Complete IP and device authentication logs for the application 3. Full ACH authorization documentation for the alleged payment 4. Identity verification procedures used during account opening 5. All internal investigative notes related to the XX/XX/XXXX fraud claim If Wells Fargo can not produce this documentation, the account must be permanently deleted from all consumer reporting agencies. V. Notice of Intent to Pursue Legal Action If this matter is not corrected within 15 days of receipt of this letter, I will proceed with legal action without further notice, including but not limited to : Filing suit under the Fair Credit Reporting Act Seeking statutory, actual, and punitive damages Filing additional regulatory complaints Requesting attorneys fees and court costs This letter constitutes formal notice of continued dispute and preservation of all legal remedies available to me under federal and state law. Sincerely, XXXX XXXX XXXX

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