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OC Request Copy of Credit Report to Investigate?


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Wells Fargo lists a charge off on my CR. I sent them a letter stating this is not my account and asking them to remove the TL that included the account number, my social security number, home address, etc. They sent me back a letter stating I did not provide enough information for them to investigate and requesting a copy of my credit report that contains the disputed information.

Why do they need a copy of the incorrect information in order to verify it? How did they verify it with the CRA if they can't verify it to me with my name, account number and SS number?

How do I proceed to get it removed without sending them my credit report?

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