Consumer complaint received 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am filing this formal complaint against XXXX for its continued reporting of inaccurate and misleading information regarding my Wells Fargo Auto ( XXXX AUTO ) account XXXX. According to my XXXX credit report dated XX/XX/XXXX, the account is marked as XXXX XXXX  and reflects XXXX 'CO ' notations from XX/XX/XXXX through XX/XX/XXXX. 
However, the XXXX XXXX also clearly states that the balance is {$0.00} and that the date of last payment and the account closure both occurred in XX/XX/XXXX. If the account was paid in full and closed as of XX/XX/XXXX, continuing to report XXXX notations for the months priorespecially retroactivelyis both deceptive and in violation of credit reporting standards. 
Additionally, this reporting contradicts the principles outlined in XXXX XXXX Format ( FAQ XXXX ), which stipulate that XXXX must only reflect unpaid principal, not fees or penalties. The final payment was made and the balance satisfied, meaning the account should not reflect a XXXX  at all. 
The account history also reflects improper re-aging by reporting XXXX ' notations repeatedly in XXXX, despite the account being XXXX XXXXn good standing. Under FCRA XXXX ( b ), XXXX is obligated to ensure maximum possible accuracy in consumer reporting. It is also in violation of FCRA XXXX ( a ) for failing to properly investigate my disputes, and XXXX ( a ) for continuing to report known inaccurate information. 
Furthermore, I possess a letter from Wells Fargo dated XX/XX/XXXX, acknowledging issues with their reporting of my positive payment history and confirming that corrections would be made. Despite this, XXXX  continues to report the account negatively with no reflection of this correction. 
Attached to this complaint are : - My XX/XX/XXXXXXXX XXXX XXXX XXXX showing XXXX balance and paid status, yet ongoing XXXX reporting. 
- Dispute documentation showing my efforts to resolve this matter. 
- Correspondence from Wells Fargo confirming reporting errors and full account satisfaction. 
I request that the CFPB investigate XXXX noncompliance and take corrective action to delete this account or update it to reflect an accurate, XXXX XXXX XXXX XXXX notations. The violations include : - FCRA XXXX ( b ) : Failure to ensure maximum possible accuracy - FCRA XXXX ( a ) : Failure to conduct a proper reinvestigation - FCRA XXXX ( a ) : Furnishing information known to be inaccurate - Metro XXXX XXXX ( FAQ XXXX, XXXX ) : Re-aging and improper XXXX reporting If this is not corrected promptly, I will escalate the matter with the Federal Trade Commission, XXXX XXXX Attorney General, and pursue private legal remedies under FCRA XXXX and XXXX XXXX 
I appreciate the XXXX assistance in resolving this matter and holding XXXX accountable for its failure to comply with federal reporting obligations.

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