Consumer complaint received 2025-12-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am submitting this complaint because Wells Fargo ( WFBNA ) is reporting inaccurate, contradictory, and incomplete information about my account across the credit reporting agencies. Wells Fargo failed to correct these issues after my disputes and did not provide the verification documentation I requested. 

XXXX. Wells Fargo is reporting contradictory information to the credit bureaus From my XXXX credit report : XXXX  : XXXX the account as a charge-off with a balance. 

XXXX  : Does NOT report a charge-off, and shows no derogatory information. 

XXXX  : Does NOT report a charge-off, and shows no derogatory information. 

A charge-off can not appear on only XXXX bureau. If Wells Fargo charged off the account, it must report that uniformly. Reporting a charge-off to XXXX  only XXXX inaccurate, misleading, and violates FCRA XXXX ( b ). 

XXXX. The account status is inconsistent across bureaus The account appears : OPEN on some credit bureaus CLOSED or derogatory on others An account can not be simultaneously OPEN and charged off. This is a clear XXXX XXXX furnishing violation and materially misrepresents the status of the account. 

XXXX. Bankruptcy coding is missing or inconsistent I filed bankruptcy, but Wells Fargo does not report bankruptcy information consistently : XXXX  : No bankruptcy code tied to the charge-off Experian : No bankruptcy coding TransUnion : No bankruptcy coding This is incomplete and misleading furnishing, and violates XXXX XXXX XXXX requirements. 

XXXX. Wells Fargo failed to conduct a reasonable investigation I disputed this account with the credit bureaus. Wells Fargo responded via automated e-OSCAR codes but did not correct any of the contradictions or provide documentation supporting its furnished information. 

I requested verification of : Charge-off documentation Account status ( OPEN vs. CLOSED ) Bankruptcy coding Payment rating XXXX XXXX XXXX Any documents Wells Fargo XXXX XXXX when it verified the account Wells Fargo XXXX not provide this information. 

XXXX. Harm XXXX XXXX inaccurate and contradictory reporting is damaging my credit, interfering with my bankruptcy recovery, and causing financial and emotional harm. The inconsistent charge-off reporting is particularly harmful, as lenders see conflicting account statuses. 

Requested Action I am requesting that Wells Fargo : Conduct a manual, documented investigation under FCRA 1681s-2 ( b ).

Provide all documentation used to verify the furnished information.

Correct or delete the account if Wells Fargo can not ensure consistent and accurate reporting across all credit bureaus.

Update all bureaus to reflect accurate bankruptcy coding and account status. 

XXXX XXXX current reporting is inaccurate and unverifiable, in violation of FCRA requirements.

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 non-monetary relief