Consumer complaint received 2024-06-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
ATTACHMENTS ARE FROM PREVIOUS CLAIM/COMPLAINT AND WELLS FARGO BANK RESPONSE USING 3RD PARTY. This is a second demand for cease and desist all communications and deletions of sharing, transferring, assigning and reporting my private and personal information. I recently learned of my right to opt out under federal and state laws and I have chosen to exercise that right. Wells Fargo Bank agreement attached in this complaint failed to notify my of such rights. THERES NO EVIDENCE WELLS FARGO BANK HAS DISCLOSED IN OUR LOAN AGREEMENT THE RIGHT FOR THE CONSUMER OR BORROWER TO OPT OUT OF sharing information with 3rd party consumer reporting agencies. I recently filed dispute of my concerned interest in my personal and private account information being shared by Wells Fargo Bank , N.A . and its parents or successors and demand for the safety of possible identity theft, fraud, or other breaches and extortion risk that I exercise my right to privacy and opt out of Wells Fargo Bank , N.A . and its parents or successors sharing my private and personal account transactions, experiences, history and record with any consumer reporting agencies. You are attempting to create distress, misinformation, abusive debt collections, misrepresentation of character, financial injury and risk exposure of discrimination and identity theft of private information. Now only i am being harassed by but Wells Fargo Bank has shared my private and personal information to a company called XXXX XXXX XXXX XXXX. I demanded unless they can warrant or guarantee the safety of my information to which can show I burden no risk from their activities then they are to cease and desist all sharing and reporting of my information to 3rd parties, non-affiliates and consumer reporting agencies or in other words NON GOVERNMENT AGENCIES. Wells Fargo Bank , N.A . and its parents or successors continues to violate consumer protection laws against me and I am concerned that my private information isn't safe and is in danger of identity theft, fraud, and XXXX  due to the sharing, storing and furnishing of my information. I ask that the CFPB enforce actions against Wells Fargo Bank , N.A . and its parents or successors and its assigns, affiliates and non affiliates on handling my private accounts. FCRA 15 U.S. Code 1681b ( a ) 2 Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. PLEASE PROCESS OPT OUT OF SELLING AND SHARING PERSONAL INFORMATION & DELETE PERSONAL INFORMATION. DELETE FROM PERSONAL CONSUMER CREDIT REPORT IMMEDIATELY.

15 U.S. Code 1692c ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. If such notice from the consumer is made by mail, notification shall be complete upon receipt. 15 U.S. Code 1692a - Definitions ( 2 ) The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject tosection 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report ;

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