Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #17903458
Complaint Overview
Complaint ID: 17903458
Company: Wells Fargo & Company
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account status incorrect
State: Arizona
ZIP Code: XXXXX
Date Received: 2025-12-09T12:00:00-05:00
Date Sent to Company: 2025-12-09T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am disputing inaccurate information being reported by Wells Fargo Card Services to Equifax and Experian. I was added as an authorized user years ago on a Wells Fargo credit card account, not as a joint borrower. I never signed or agreed to any credit card application or contract assuming liability for the debt. Wells Fargo is incorrectly reporting me as a joint account holder, which makes me appear legally responsible for the accounts delinquency and charge-off. This is false. I disputed this directly with Wells Fargo in writing ( received on XX/XX/year> via USPS Certified Mail ) and requested documentation proving I was ever a joint accountholder. They failed to provide any such evidence. I also disputed this with both Experian and Equifax. Both bureaus told me that Wells Fargo verified the information, indicating Wells Fargo did not conduct a reasonable investigation under FCRA 623 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 8 ). I am requesting that Wells Fargo immediately remove this inaccurate tradeline from both Experian and Equifax and confirm in writing that I am not legally responsible for this account.
Frequently Asked Questions
What is Complaint #17903458 about?
Complaint #17903458 was filed against Wells Fargo & Company regarding Credit reporting or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2025-12-09T12:00:00-05:00.
How did Wells Fargo & Company respond to this complaint?
The company responded with: "Closed with explanation". 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 reporting or other personal consumer reports) 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.