Consumer complaint received 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Requesting proof of the Bill of Sale and Assignment of each account. I requested tangible proof of copies of where and how the account was verified ( documents ). Attach the documents to this CFPB dispute, and answers for each disputed account. 

Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute of Inaccurate and Unverifiable Credit Information Demand for Deletion and Reinvestigation File # : XXXX | Report Date : XX/XX/XXXX Dear XXXXXXXX XXXX XXXXXXXX XXXX, I am writing to formally dispute several inaccurate and unlawfully reported accounts currently listed in my XXXX  credit report dated XX/XX/XXXX. Under my rights provided by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, I request an immediate reinvestigation and deletion of the following items : 1.Wells Fargo Bank N.A . ( Acct # ending in XXXX ) This account is being reported inaccurately. It was charged off years ago, yet it continues to show new activity with a Date Reported of XX/XX/XXXX, despite the last payment date being XX/XX/XXXX. This constitutes illegal " re-aging '' of a delinquent account and violates 15 U.S.C. 1681c. Furthermore, there is no valid basis for reporting a past-due balance on a charged-off account, in violation of 1681e ( b ). 

XXXX XXXX ( Acct # s ending in XXXX and XXXX ) XXXX XXXX has sold these debts and no longer has legal ownership or authority to report them as active accounts. XXXX XXXX itself acknowledged the account ending in XXXX is in " cease and desist '' status and not collectible. Therefore, any continued reporting is misleading and violates 15 U.S.C. 1681i and 1681s-2. Remove both entries immediately. 

XXXXXXXX XXXX XXXX ( Acct # ending in XXXX ) This account was charged off and later sold. XXXX XXXX no longer owns the debt and therefore has no legal basis to continue reporting it as open or with a balance. This misrepresentation violates 1681e and constitutes unfair reporting. 

XXXXXXXX XXXX XXXXXXXX ( Acct # ending in XXXX ) I have no business relationship with XXXX XXXX XXXX XXXX They have failed to provide valid documentation establishing ownership or a legal right to collect or report this debt. This account is unverifiable under 1681i ( a ) ( 1 ) ( A ) and must be deleted immediately. Their status as a third-party debt buyer does not grant them automatic standing to report or sue, and no validation has been provided despite requests. 

XXXX XXXX ( Acct # XXXX XXXX and XXXX ) These accounts were sold and are no longer legally owned by XXXX. XXXX continues to report these accounts in violation of 1681e ( b ). Since the new creditor is not identified and XXXX no longer maintains ownership, they are barred from reporting further. 

XXXX and XXXX  These accounts are not mine. I have never applied for credit through these companies. These are fraudulent or mismerged accounts that must be deleted under FCRA 1681i as they contain inaccurate personal information. 

XXXX ( Payment Info Missing or Misreported by Wells Fargo N.A . ) This payment history is either missing or incomplete. I request that XXXX  require the furnisher to provide full and accurate payment data or delete the tradeline in accordance with 1681s-2 ( b ). 

Enclosed are : My most recent XXXX  credit report ( dated XX/XX/XXXX ) CFPB Complaint Confirmation # XXXX FTC Report confirmation numbers : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX I demand a full reinvestigation pursuant to 15 U.S.C. 1681i ( a ) and deletion of all unverifiable, inaccurate, or obsolete information. If you are unable to verify these accounts in accordance with FCRA standards, they must be permanently removed from my credit file within the statutory 30-day period.

Please provide me with an updated credit report reflecting the deletions and a summary of your findings upon completion of your investigation. You may also submit your response via secure email or physical mail. 

Thank you for your attention to this matter.

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