Consumer complaint received 2025-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XX/XX/XXXX VIA CFPB PORTAL Consumer Financial Protection Bureau XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Re : FCRA 609 ( a ) Request for Documentation & Deletion Wells Fargo Account Ending in XXXX Complainant : XXXX XXXX CFPB Case Number : XXXX Wells Fargo Case Number : XXXX To Whom It May Concern : This letter serves as both a continuation of my dispute and a formal procedural request under Section 609 ( a ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681g ) regarding the above-referenced Wells Fargo account . 

Wells Fargo asserts that it is accurately reporting two alleged late payments from XX/XX/XXXX and XX/XX/XXXX. However, their responses have been incomplete, dismissive, and unsupported by verifiable evidence. Pursuant to FCRA 609 ( a ), I am entitled to obtain all records that the furnisher and consumer reporting agencies are relying upon to verify this account. 

Accordingly, I request that Wells Fargo and the credit reporting agencies provide the following : A copy of the original, signed account agreement or loan documents showing my authorization for the obligation reported. 

Complete payment history and account records for XXXX, including internal transaction logs reflecting the alleged XXXX and XXXX delinquencies. 

Proof of the exact method of verification used to conclude the reporting is accurate, including the identity of the person or system that confirmed the information. 

All communications, notices, or hardship accommodations from XXXX XXXX that may explain delays, technical errors, or processing issues between financial institutions. 

Documentation of Wells Fargos continued legal authority to report this account, given that it is long closed and paid in full. 

Failure to produce these materials will establish that the reporting is unsupported, incomplete, and misleading, in violation of FCRA 1681s-2 ( a ) ( 1 ) ( A ) and 1681i ( a ).

Because these alleged delinquencies are over six years old, isolated, and disproportionately harmful, their continued reporting also conflicts with the intent of FCRA 605 ( a ), which limits obsolete negative information. 

Requested Resolution : Immediate deletion of the derogatory 30 days late notations for XXXX and XX/XX/XXXX from my XXXX XXXX XXXX XXXX credit reports. 

Written confirmation of deletion provided to me and the CFPB. 

Cease further reporting until legally sufficient validation is produced. 

Failure to comply within 15 days will serve as additional evidence of willful noncompliance under 15 U.S.C. 1681n and 1681o, for which I reserve the right to pursue civil damages, regulatory enforcement, and escalation to state and federal authorities. 

Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wells Fargo Bank , N.A .

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