Consumer complaint received 2025-11-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
am complaining about Wells Fargos continued furnishing of inaccurate, misleading, and inconsistent information about my closed Wells Fargo credit card account to the nationwide consumer reporting agencies, even after disputes and after another bureau deleted the tradeline. 

I had a Wells Fargo XXXX WFBNA credit card ( account ending in XXXX XXXX XXXXhat was charged off. I disputed this Wells Fargo tradeline with the credit bureaus. After my dispute, the nationwide consumer reporting agency XXXX  conducted a reinvestigation and sent me a written result letter dated around XX/XX/year>. In that letter, XXXX  states that the Wells Fargo Card Services tradeline HAS BEEN DELETED FROM THE CREDIT FILE. I am attaching that XXXX  letter as evidence that, after reinvestigation, XXXX  removed the Wells Fargo tradeline. 

Despite this, Wells Fargo continues to furnish negative information on the same account to XXXX  and TransUnion. On my XXXX  and XXXX  reports, the Wells Fargo card is still reported as a charged-off, derogatory credit-card tradeline with a past-due balance and derogatory payment history. The account is still being treated as a serious, recent negative item, which severely depresses my credit scores. 

I have requested that Wells Fargo and the credit bureaus investigate and provide the documents they are relying on to report or verify this account, including the original charge-off documentation, payment history, and the dates they are using. Wells Fargo has not provided the requested documentation and has not corrected the reporting. Instead, Wells Fargo continues to furnish derogatory information that conflicts with XXXX deletion of the tradeline and that appears inconsistent across the different bureaus with respect to dates, balances, and status fields. 
Under the Fair Credit Reporting Act, including 15 U.S.C. 1681s-2 ( b ), once Wells Fargo receives notice of a dispute from a consumer reporting agency it must conduct a reasonable investigation, review all relevant information provided by the CRA, and correct or delete any information that is inaccurate or can not be verified with respect to all consumer reporting agencies. XXXX deletion of the Wells Fargo tradeline after reinvestigation is strong evidence that the information is at least unverifiable. Wells Fargos continued furnishing of this account as a charge-off with derogatory history to XXXX  and XXXX XXXX  no longer reports itshows that Wells Fargo is not properly investigating or correcting its reporting. 

By continuing to furnish this negative tradeline in an inconsistent and unverifiable manner, Wells Fargo is causing substantial damage to my credit scores and my ability to obtain credit on fair terms, in violation of its duties under the FCRA as a furnisher of information.

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