Consumer complaint received 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Re : CFPB Complaint # XXXX Response to XXXX  Closure To Whom It XXXX Concern, I am submitting this reply regarding XXXX  XX/XX/scrub> 2025, response to my dispute. XXXX  has marked this matter Closed with non-monetary relief, yet their actions remain unsatisfactory and incomplete. 

1. Failure to Provide Proof of Verification My dispute specifically requested tangible proof ( e.g., Bill of Sale, Assignment documents, or original contracts ) showing how each account was verified. XXXX response simply states that certain items belong to me or are not currently reporting, but no supporting documentation was provided. This is insufficient under federal law. 

2. Requirements Under 15 U.S.C. 1681i Procedure in Case of Disputed Accuracy The Fair Credit Reporting Act clearly provides that : 1681i ( a ) ( 1 ) ( A ) : When a consumer disputes accuracy, the CRA must conduct a reasonable reinvestigation to determine whether the information is inaccurate.

1681i ( a ) ( 2 ) : The CRA must promptly provide notice of the dispute to the furnisher, including all relevant information.

1681i ( a ) ( 5 ) ( A ) : If information is found to be inaccurate or can not be verified, it must be deleted promptly.

1681i ( a ) ( 6 ) : The CRA must provide the consumer with the results of the reinvestigation and the method of verification used. 

XXXX  has not demonstrated compliance with these provisions. Simply stating that an item belongs to me without documentary proof fails the standard of a reasonable reinvestigation. 

3. Accounts Still in Dispute The following remain disputed and unverifiable : Wells Fargo Bank N.A. ( Acct # ending in XXXX ) : Illegally re-aged and showing activity after charge-off. 

XXXX  XXXX ( Accts ending in XXXX and XXXX ) : Sold debts, not legally reportable by XXXX XXXX. 

XXXX XXXX XXXX ( Acct # ending in XXXX ) : Charged off and sold, yet still reporting. 

XXXX XXXX XXXX ( Acct # ending in XXXX ) : No valid documentation of ownership or contract. 

XXXX XXXX ( XXXX & XXXX ) : Sold accounts still reporting. 

XXXX & XXXX : Fraudulent/unauthorized inquiries. 

XXXX ( Payment data misreported by Wells Fargo ) : Missing or incomplete reporting. 

4. Remedy Sought I request that the CFPB direct XXXX  to : Provide documentary evidence used in its verification of each disputed account.

Permanently delete all accounts that can not be verified through original source documentation, as required by 15 U.S.C. 1681i ( a ) ( 5 ) ( A ).

Provide a revised copy of my credit report reflecting corrections or deletions.

5. Conclusion XXXX  non-monetary relief response fails to satisfy the requirements of the FCRA. I ask that the CFPB ensure that XXXX fully complies with 15 U.S.C. 1681i and provides me with either ( a ) documentation supporting its verification, or ( b ) deletion of the disputed items from my file.

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