Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #19913211
Wells Fargo Fails to Correct Credit Report Error Despite Investigation
Complaint Overview
Complaint ID: 19913211
Company: Wells Fargo & Company
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-Issue: Their investigation did not fix an error on your report
State: Georgia
ZIP Code: 30312
Date Received: 2026-02-28T12:00:00-05:00
Date Sent to Company: 2026-03-03T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Referral
Risk Assessment
Risk Level: medium
The company's failure to investigate and resolve a credit report error indicates potential systemic issues in their dispute resolution process, which could lead to further consumer harm and regulatory scrutiny.
Consumer Sentiment: negative
Topics: Credit reporting, Dispute resolution, FCRA
AI Analysis
CFPB complaint 19913211 was filed against WELLS FARGO & COMPANY regarding Credit reporting or other personal consumer reports (Credit reporting), specifically about "Problem with a company's investigation into an existing problem". A Wells Fargo customer reported an unresolved error on their credit report after the company's investigation failed to correct it, leading to a closed case with non-monetary relief. The complaint was received on February 28, 2026 from Georgia. The company responded with "Closed with non-monetary relief".
What You Should Do -- Consumer Action Plan
Consumers should meticulously document all communication with credit reporting agencies and lenders regarding errors and consider escalating disputes if initial investigations are unsatisfactory.
Legal Context & Consumer Protection Laws
The Fair Credit Reporting Act (FCRA) mandates that credit reporting agencies and furnishers investigate disputes within a reasonable time, typically 30 days, and correct any inaccuracies found.
Regulatory Insight
This case highlights the importance of timely and accurate investigations by furnishers under FCRA, as failures can result in regulatory action and penalties.
Resolution Likelihood
mixed
State-Specific Consumer Protections
In Georgia, consumers have rights under state and federal law to ensure the accuracy of their credit reports and to have errors investigated and corrected.
Industry Comparison
While many financial institutions strive for accurate credit reporting, issues with dispute resolution processes are not uncommon across the industry, leading to varying levels of customer satisfaction.
Related Issues
Frequently Asked Questions
What is CFPB complaint 19913211 about?
CFPB complaint 19913211 involves Credit reporting or other personal consumer reports (Credit reporting). The consumer reported an issue with "Problem with a company's investigation into an existing problem", specifically "Their investigation did not fix an error on your report". This complaint was filed against WELLS FARGO & COMPANY on February 28, 2026.
Which company is complaint 19913211 filed against?
Complaint 19913211 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 19913211?
WELLS FARGO & COMPANY responded with "Closed with non-monetary relief". The response was marked as timely by the CFPB.
When was complaint 19913211 filed?
Complaint 19913211 was received by the CFPB on February 28, 2026. It was sent to WELLS FARGO & COMPANY on March 3, 2026.
What state was complaint 19913211 filed from?
Complaint 19913211 was filed from Georgia. You can view all complaints from this state at /state/GA.
Was the consumer satisfied with the resolution of complaint 19913211?
Dispute information is not available for complaint 19913211.
What product category is complaint 19913211 about?
Complaint 19913211 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 19913211 submitted?
Complaint 19913211 was submitted via Referral. The CFPB accepts complaints through web, phone, mail, email, fax, and referral channels.
What are the consumer's legal options for complaint 19913211?
The Fair Credit Reporting Act (FCRA) mandates that credit reporting agencies and furnishers investigate disputes within a reasonable time, typically 30 days, and correct any inaccuracies found. This relates to a Credit reporting or other personal consumer reports complaint against WELLS FARGO & COMPANY involving "Problem with a company's investigation into an existing problem".
How likely is complaint 19913211 to be resolved?
Resolution likelihood: mixed. The company's current response is "Closed with non-monetary relief". The company did respond in a timely manner, which is a positive indicator.
What does the risk level mean for complaint 19913211?
This complaint is rated as medium risk. The company's failure to investigate and resolve a credit report error indicates potential systemic issues in their dispute resolution process, which could lead to further consumer harm and regulatory scrutiny.
What regulatory actions apply to complaint 19913211?
This case highlights the importance of timely and accurate investigations by furnishers under FCRA, as failures can result in regulatory action and penalties. 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 19913211?
Consumers should meticulously document all communication with credit reporting agencies and lenders regarding errors and consider escalating disputes if initial investigations are unsatisfactory.
Are there state-specific protections for complaint 19913211?
In Georgia, consumers have rights under state and federal law to ensure the accuracy of their credit reports and to have errors investigated and corrected. This complaint was filed from Georgia.
How does complaint 19913211 compare to industry norms?
While many financial institutions strive for accurate credit reporting, issues with dispute resolution processes are not uncommon across the industry, leading to varying levels of customer satisfaction.
What constitutes 'non-monetary relief' in credit reporting disputes?
Non-monetary relief typically involves the correction of the inaccurate information on the credit report, rather than a financial payout to the consumer.
What are the next steps for a consumer if a credit report error remains unresolved after a company's investigation?
The consumer can escalate the dispute to the CFPB, file a complaint with their state Attorney General, or consult with a consumer protection attorney to explore further legal options.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.