Credit card -- Incorrect information on your report -- Complaint #12185911
Complaint Overview
Complaint ID: 12185911
Company: Wells Fargo & Company
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-Issue: Information belongs to someone else
State: Florida
ZIP Code: 32068
Date Received: 2025-02-23T12:00:00-05:00
Date Sent to Company: 2025-02-23T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Wells Fargo Bank , N.A . ( WFBNA Card Services ) Department handling credit services XXXX, MN XXXX Re : Cease and Desist Request Regarding Unauthorized Wells Fargo Credit Card Dear Sir/Madam, I am writing to formally dispute a credit account listed under my name with Wells Fargo ( WFBNA ), which shows a credit card with a credit limit of {$1200.00}, a balance of {$1000.00}, and a credit usage rate of 89 %. The most recent balance update listed was XX/XX/year>. I have no knowledge of this account, nor did I ever authorize or open any credit lines with your company. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I am exercising my rights to dispute inaccurate information on my credit report and formally request that you immediately cease and desist from reporting this credit account. My requests are as follows : Immediate removal of this account from my credit report. A written confirmation that the account has been removed and that any associated negative information, such as the balance or credit usage, will be corrected or erased. A formal notification detailing the outcome of your investigation into this dispute, as required under the FCRA. Please be advised that this account has been reported under my name without my consent or authorization. I do not recognize this credit line, and I assert that I have never entered into any agreement or contract with Wells Fargo or its affiliates regarding this account. I expect a prompt investigation into this matter, and a resolution within the time frame provided by the FCRA, which requires that you notify me within 30 days of your investigation 's completion. Please be aware that failure to respond or resolve this issue in a timely and accurate manner may result in further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and other appropriate regulatory agencies. I look forward to your immediate attention to this matter, and to receiving confirmation that this issue has been resolved. Sincerely,
Frequently Asked Questions
What is Complaint #12185911 about?
Complaint #12185911 was filed against Wells Fargo & Company regarding Credit card specifically about Incorrect information on your report. It was received by the CFPB on 2025-02-23T12:00:00-05:00.
How did Wells Fargo & Company respond to this complaint?
The company responded with: "Closed with non-monetary relief". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit card) and describe your issue in detail.
Can I see other complaints against Wells Fargo & Company?
Yes, visit the Wells Fargo & Company company profile at readthecomplaint.com/company/wells-fargo-company to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.