I had a loan with Wells Fargo Financial in Lake Charles, Louisiana. My wife, who wasn't my wife at the time, was the primary borrower and I was the co-borrower. After finishing college, she ran into hard times so she filed bankruptcy but reaffirmed the Wells Fargo loan. The debt was paid off, in fact, I paid the debt off for her when I realized how far behind she was and I never received a notice from Wells Fargo that she was behind. I paid the debt off completely.
I own my own business where I am a licensed private investigator. I tried to go through Quickbooks to start accepting credit card payments but they ran a personal credit bureau report and stated that I filed for bankruptcy based on what Wells Fargo has in my report. It states on my credit report, in bankruptcy, reaffiramtion of debt, $0 charged off, then has some delinquency dates but leaves the impression that I filed for bankruptcy.
I intend to file a federal law and have several attorney's that stated that they would be interested because case law states that a credit report must be accurate. They also list my name wrong. They list me with a co-borrower by a name I never heard of before. The case law that my attorney pulled states that if a creditor reports or leaves someone with the slight indication that they filed for bankruptcy and didn't then the creditor is liable for damages.
Nothing more to do but wait. I filed disputes with Wells Fargo and all three credit bureau's and sent them a copy of the lawsuit that we intend to file shortly if its not resolved. The loan was only for $3500 but after they pay their attorneys, its going to cost them alot more.
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