Wells Fargo Late Payment Deletion Letter – FCRA & TILA Rebuttal (CRA Version)
This dispute letter is engineered to challenge and demand deletion of fraudulent late payments reported by Wells Fargo to Experian, Equifax, and TransUnion. It enforces your rights under the Fair Credit Reporting Act (15 U.S.C. § 1681a) and the Truth in Lending Act (15 U.S.C. § 1666b and § 1637(b)), targeting unlawful credit reporting, billing errors, and repeat offender conduct by the bank.
Key Enforcement Clauses:
15 U.S.C. § 1681a(2)(A)(i): Prohibits consumer reports from containing transaction-based data like utilization or payment history
15 U.S.C. § 1666b: Requires creditors to send billing statements 21 days before the due date—if not, no late fee or reporting is lawful
15 U.S.C. § 1637(b): Requires full disclosures with each statement to legally mark payments as late
This letter cites the CFPB’s $3.7 billion enforcement against Wells Fargo, exposing the bank’s illegal billing practices, misapplied payments, and unlawful fee structures.
Features:
Direct language holding Wells Fargo accountable for false late reporting
Legally forces the bureaus to delete all unlawful tradelines if proper procedure wasn’t followed
Calls out the “rinse-repeat” cycle of Wells Fargo misconduct as recognized by CFPB
Includes space to list specific late accounts and attach ID/proof of address
Enforces civil remedy and reputational damage claims
Use this when Wells Fargo claims your payment was late—but they can’t prove compliance with federal law. This is not just a dispute; it’s a lawful demand for deletion under Title 15.
This dispute letter is engineered to challenge and demand deletion of fraudulent late payments reported by Wells Fargo to Experian, Equifax, and TransUnion. It enforces your rights under the Fair Credit Reporting Act (15 U.S.C. § 1681a) and the Truth in Lending Act (15 U.S.C. § 1666b and § 1637(b)), targeting unlawful credit reporting, billing errors, and repeat offender conduct by the bank.
Key Enforcement Clauses:
15 U.S.C. § 1681a(2)(A)(i): Prohibits consumer reports from containing transaction-based data like utilization or payment history
15 U.S.C. § 1666b: Requires creditors to send billing statements 21 days before the due date—if not, no late fee or reporting is lawful
15 U.S.C. § 1637(b): Requires full disclosures with each statement to legally mark payments as late
This letter cites the CFPB’s $3.7 billion enforcement against Wells Fargo, exposing the bank’s illegal billing practices, misapplied payments, and unlawful fee structures.
Features:
Direct language holding Wells Fargo accountable for false late reporting
Legally forces the bureaus to delete all unlawful tradelines if proper procedure wasn’t followed
Calls out the “rinse-repeat” cycle of Wells Fargo misconduct as recognized by CFPB
Includes space to list specific late accounts and attach ID/proof of address
Enforces civil remedy and reputational damage claims
Use this when Wells Fargo claims your payment was late—but they can’t prove compliance with federal law. This is not just a dispute; it’s a lawful demand for deletion under Title 15.
This dispute letter is engineered to challenge and demand deletion of fraudulent late payments reported by Wells Fargo to Experian, Equifax, and TransUnion. It enforces your rights under the Fair Credit Reporting Act (15 U.S.C. § 1681a) and the Truth in Lending Act (15 U.S.C. § 1666b and § 1637(b)), targeting unlawful credit reporting, billing errors, and repeat offender conduct by the bank.
Key Enforcement Clauses:
15 U.S.C. § 1681a(2)(A)(i): Prohibits consumer reports from containing transaction-based data like utilization or payment history
15 U.S.C. § 1666b: Requires creditors to send billing statements 21 days before the due date—if not, no late fee or reporting is lawful
15 U.S.C. § 1637(b): Requires full disclosures with each statement to legally mark payments as late
This letter cites the CFPB’s $3.7 billion enforcement against Wells Fargo, exposing the bank’s illegal billing practices, misapplied payments, and unlawful fee structures.
Features:
Direct language holding Wells Fargo accountable for false late reporting
Legally forces the bureaus to delete all unlawful tradelines if proper procedure wasn’t followed
Calls out the “rinse-repeat” cycle of Wells Fargo misconduct as recognized by CFPB
Includes space to list specific late accounts and attach ID/proof of address
Enforces civil remedy and reputational damage claims
Use this when Wells Fargo claims your payment was late—but they can’t prove compliance with federal law. This is not just a dispute; it’s a lawful demand for deletion under Title 15.