Consumer complaint received 2025-04-30 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: PA

Complaint narrative:
From : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Pennsylvania XXXX, XXXX To : Wells Fargo Bank , N.A . 
XXXX XXXX XXXX XXXX XXXX, CA XXXX Attn : Credit Bureau Disputes AFFIDAVIT OF FEDERAL AND STATE CREDIT REPORTING VIOLATIONS WELLS FARGO BANK N.A. ( Pursuant to 28 U.S.C. 1746 Affirmation Under Penalty of Perjury ) I, XXXX XXXX, address at XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX, PA XXXX, affirm under penalty of perjury under the laws of the United States and the Commonwealth of Pennsylvania as follows : I. IDENTIFICATION OF DISPUTED TRADELINE The Wells Fargo Bank N.A. ( WFBNA ) credit card account, number ending in [ XXXX ], is currently reported by XXXX XXXX XXXX XXXX with the following discrepancies : Unverified Delinquency : A single 30-day delinquency is reported for XX/XX/XXXX, without any preceding or subsequent late payments, lacking corroborative evidence or a pattern of delinquency. 
Incomplete Reporting XXXX XXXX XXXX report indicates missing or unavailable data for multiple months in XXXX, despite the account being active during that period. 
These inaccuracies render the tradeline incomplete and potentially misleading. 

II. VIOLATIONS AND LEGAL BASIS The aforementioned reporting issues constitute violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., specifically : 1681e ( b ) : Failure to maintain reasonable procedures to ensure maximum possible accuracy.

1681i ( a ) : Failure to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate.

1681g ( a ) : Failure to disclose all information in the consumer 's file at the time of the request. 
Supporting Case Law : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Emphasized that CRAs must ensure maximum possible accuracy under 1681e ( b ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX. XXXX XXXX ) : Reinforced that all data furnishers are held to the same standard of completeness and accuracy. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Held that CRAs must conduct a reasonable, independent reinvestigation under 1681i ( a ) upon dispute. 
XXXX XXXX XXXX STATUS I am a certified victim of XXXX XXXX as documented by XXXX XXXX XXXX, a XXXX XXXX under Texas XXXX XXXX XXXX. This status is substantiated by a XXXX dated XX/XX/XXXX. 
Under 15 U.S.C. 1681c-2, upon receiving appropriate documentation, consumer reporting agencies are mandated to block information resulting from XXXX XXXX To date, this requirement has not been fulfilled concerning the Wells Fargo Ban

k N.A. tradeline. IV. DEMAND FOR ACTION I hereby request that Wells Fargo Bank N.A.
and the credit reporting agencies : Provide complete and original documentation verifying the reported delinquency, including payment records for XX/XX/XXXX and the missing months in XXXX. 
If such documentation can not be furnished, promptly remove the disputed delinquency and update the tradeline to reflect accurate and complete payment history. 
Block any information identified as resulting from XXXX XXXX, in compliance with 1681c-2.

V. ENFORCEMENT RESERVATION Should these violations remain unaddressed, I reserve the right to pursue : Complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the Pennsylvania Attorney General. 
Civil litigation under : 15 U.S.C. 1681n and 1681o ( FCRA violations ).

73 P.S. 201-1 et seq. ( Pennsylvania Unfair Trade Practices and Consumer Protection Law ). 
12 Pa. C.S.A. 6308 ( Pennsylvania Credit Services Act ).

VI. AFFIRMATION Executed pursuant to 28 U.S.C. 1746. I declare under penalty of perjury that the foregoing is true and correct.

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