Consumer complaint received 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
This complaint is directed against WFBNA HL ( Wells Fargo Bank , N.A . Home Loan ) for the continued furnishing and verification of inaccurate and inconsistent mortgage data to national credit reporting agencies, in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), Dodd-Frank Act ( 12 U.S.C. 5536 ), Metro 2 Reporting Standards, and New York Consumer Protection Laws ( GBL 349 and 380-j ). 

The inconsistent reporting of delinquency dates across bureaus and the failure to provide documentary validation after dispute reflect a pattern of negligence and willful disregard for legal data integrity obligations. 

ACCOUNT IN QUESTION WFBNA HL Account Number : XXXX Date Opened : XX/XX/XXXX Reported Balance : {$0.00} ( Closed Mortgage Account ) SUMMARY OF ISSUE This closed mortgage account has been inaccurately reported across multiple consumer reporting agencies as containing a 30-day late payment. Specifically : XXXX and TRANSUNION list the delinquency as XX/XX/XXXX, while XXXX  lists the same as XX/XX/XXXX. 

This date mismatch indicates that WFBNA HL has failed to furnish consistent data, which directly violates FCRA 607 ( b ) and Metro 2 accuracy requirements. Furthermore, upon written dispute and request for validation, no original documentation, payment ledger, or default notice was provided. 

The FCRA and New York FCRA require creditors to maintain exact date of first delinquency ( DOFD ) and ensure consistency across all consumer reporting agencies. WFBNA HLs noncompliance reflects systemic furnishing inaccuracies that directly affect credit scoring and mortgage underwriting evaluations. 

FEDERAL LAW VIOLATIONS Fair Credit Reporting Act ( FCRA ) : 602 ( A ) : Congressional findings mandate fairness, impartiality, and accuracy ; WFBNA HLs actions undermine this purpose. 

607 ( b ) : Failure to maintain and report maximum possible accuracy of information.

623 ( a ) ( 1 ) ( A ) : Furnishing data known or reasonably expected to be inaccurate ( conflicting delinquency dates ).

623 ( a ) ( 2 ) : Failure to update and correct previously furnished inaccurate information.

623 ( b ) ( 1 ) : Negligent or willful failure to conduct a reasonable reinvestigation after notification of dispute.

611 ( a ) ( 1 ) ( A ) : Failure to provide verification documentation during reinvestigation process.

Dodd-Frank Act / CFPB Authority ( 12 U.S.C. 5536 ( a ) ( 1 ) ( B ) ) : Prohibits any entity from engaging in unfair, deceptive, or abusive acts or practices ( UDAAP ) WFBNA HLs ongoing verification of inconsistent and unsupported delinquency data qualifies as an unfair and deceptive practice. 

Fair Debt Collection Practices Act ( FDCPA ) [ if applicable due to servicing transfers ] : 807 ( 2 ) ( A ) : False representation of the character or status of debt.

809 ( b ) : Failure to provide validation upon written request.

NEW YORK STATE LAW VIOLATIONS New York General Business Law ( GBL ) 349 ( a ) : Prohibits deceptive acts or practices in business or commerce ; reporting mismatched or unsupported mortgage delinquency dates constitutes a deceptive act likely to mislead consumers and lenders. 

New York General Business Law 380-j ( State Fair Credit Reporting Act ) : 380-f : Requires furnishers to maintain procedures ensuring maximum possible accuracy.

380-u : Prohibits reporting information known or reasonably believed to be inaccurate.

380-s : Requires cooperation with reinvestigation requests from consumers or CRAs.

New York Banking Law 9-f : Holds financial institutions responsible for negligent or deceptive actions in furnishing data that affect consumer creditworthiness.

METRO 2 COMPLIANCE VIOLATIONS Under the CDIA Metro 2 Format Specification ( XXXX ), WFBNA HL failed to comply with : Section 4.2.1 Date of First Delinquency ( DOFD ) : Furnishers must report consistent DOFD across all CRAs ; discrepancies constitute noncompliance. 

Section 5.1 Account Status Codes : Failure to properly code closed mortgage accounts without delinquency carryover.

Section 6.2 Correction Process : Failure to submit correction files within five business days of discovering inaccurate reporting.

Compliance Condition Code XB : WFBNA HL failed to mark the account as in dispute during investigation, violating accuracy retention requirements. 

PATTERN OF NONCOMPLIANCE WFBNA HL demonstrates a continued pattern of noncompliance through : Furnishing conflicting delinquency dates across national CRAs.

Failing to conduct meaningful investigations under FCRA 623 ( b ).

Refusing to provide documentary verification of payment history or original creditor records.

Misrepresenting closed mortgage status as derogatory.

Such conduct represents willful and negligent violations of the FCRA, subject to civil liability under 616 and 617, and actionable under New York GBL 349 ( a ) for deceptive reporting practices.

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