Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #18374291
Wells Fargo Credit Report Error: Someone Else's Information Included
Complaint Overview
Complaint ID: 18374291
Company: Wells Fargo & Company
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Information belongs to someone else
State: Pennsylvania
ZIP Code: 19610
Date Received: 2025-11-30T12:00:00-05:00
Date Sent to Company: 2025-12-30T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Risk Assessment
Risk Level: medium
The presence of another individual's information on a credit report can lead to significant financial harm and identity theft concerns, requiring prompt correction.
Consumer Sentiment: neutral
Topics: Credit Reporting, Identity Theft, Data Accuracy
AI Analysis
CFPB complaint 18374291 was filed against WELLS FARGO & COMPANY regarding Credit reporting or other personal consumer reports (Credit reporting), specifically about "Incorrect information on your report". A consumer reported incorrect information on their credit report, stating that information belonging to someone else was present, and the issue was closed with an explanation. The complaint was received on November 30, 2025 from Pennsylvania. The company responded with "Closed with explanation".
What You Should Do -- Consumer Action Plan
Consumers should regularly review their credit reports for accuracy and dispute any incorrect information immediately with the credit bureau and the furnisher.
Legal Context & Consumer Protection Laws
The Fair Credit Reporting Act (FCRA) mandates that credit reporting agencies and furnishers investigate disputes regarding inaccurate information on consumer reports.
Regulatory Insight
This case highlights the importance of robust data verification processes by financial institutions to prevent the commingling of consumer data.
Resolution Likelihood
mixed
State-Specific Consumer Protections
In Pennsylvania, consumers have rights under state and federal laws to ensure the accuracy of their credit reporting information.
Industry Comparison
Credit reporting agencies and financial institutions are expected to maintain high standards of data accuracy and security to prevent such errors.
Related Issues
Frequently Asked Questions
What is CFPB complaint 18374291 about?
CFPB complaint 18374291 involves Credit reporting or other personal consumer reports (Credit reporting). The consumer reported an issue with "Incorrect information on your report", specifically "Information belongs to someone else". This complaint was filed against WELLS FARGO & COMPANY on November 30, 2025.
Which company is complaint 18374291 filed against?
Complaint 18374291 was filed against WELLS FARGO & COMPANY. You can view all complaints against this company on their profile page at /company/wells-fargo-company.
What was the company's response to complaint 18374291?
WELLS FARGO & COMPANY responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 18374291 filed?
Complaint 18374291 was received by the CFPB on November 30, 2025. It was sent to WELLS FARGO & COMPANY on December 30, 2025.
What state was complaint 18374291 filed from?
Complaint 18374291 was filed from Pennsylvania. You can view all complaints from this state at /state/PA.
Was the consumer satisfied with the resolution of complaint 18374291?
Dispute information is not available for complaint 18374291.
What product category is complaint 18374291 about?
Complaint 18374291 is categorized under "Credit reporting or other personal consumer reports", specifically "Credit reporting". This is one of the product categories tracked by the CFPB.
How was complaint 18374291 submitted?
Complaint 18374291 was submitted via Web. The CFPB accepts complaints through web, phone, mail, email, fax, and referral channels.
What are the consumer's legal options for complaint 18374291?
The Fair Credit Reporting Act (FCRA) mandates that credit reporting agencies and furnishers investigate disputes regarding inaccurate information on consumer reports. This relates to a Credit reporting or other personal consumer reports complaint against WELLS FARGO & COMPANY involving "Incorrect information on your report".
How likely is complaint 18374291 to be resolved?
Resolution likelihood: mixed. The company's current response is "Closed with explanation". The company did respond in a timely manner, which is a positive indicator.
What does the risk level mean for complaint 18374291?
This complaint is rated as medium risk. The presence of another individual's information on a credit report can lead to significant financial harm and identity theft concerns, requiring prompt correction.
What regulatory actions apply to complaint 18374291?
This case highlights the importance of robust data verification processes by financial institutions to prevent the commingling of consumer data. The CFPB tracks complaints like this one to identify patterns of misconduct across the Credit reporting or other personal consumer reports industry.
What should the consumer do about complaint 18374291?
Consumers should regularly review their credit reports for accuracy and dispute any incorrect information immediately with the credit bureau and the furnisher.
Are there state-specific protections for complaint 18374291?
In Pennsylvania, consumers have rights under state and federal laws to ensure the accuracy of their credit reporting information. This complaint was filed from Pennsylvania.
How does complaint 18374291 compare to industry norms?
Credit reporting agencies and financial institutions are expected to maintain high standards of data accuracy and security to prevent such errors.
What steps should a consumer take if they discover someone else's information on their credit report?
The consumer should immediately dispute the inaccurate information with the credit reporting agency (e.g., Equifax, Experian, TransUnion) and the financial institution that provided the information to Wells Fargo. They should provide documentation to support their claim.
What is the typical resolution process for a credit reporting dispute involving mixed identities?
The credit reporting agency is required to investigate the dispute, which usually involves contacting the furnisher of the information. The furnisher must review their records and report back to the agency. If the information is found to be inaccurate, it must be corrected or removed.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.