Wells Fargo Bank Tapped in Class Action Alleging it Made Unauthorized Credit Inquiries

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A California woman has brought a proposed class action against Wells Fargo Bank, N.A. in which she claims the bank performed an unauthorized credit inquiry in violation of the Fair Credit Reporting Act (FCRA).

The lawsuit begins by noting the plaintiff in 2006 purchased a vehicle for which she received financing through Wells Fargo before filing for bankruptcy roughly 10 years later. The plaintiff’s debt related to the financing of her car was included in the woman’s bankruptcy petition and thusly discharged, the complaint claims.

The case then claims an Equifax credit report for the plaintiff dated March 22, 2017 shows that two months after the aforementioned discharge, Wells Fargo Bank allegedly submitted an unauthorized account review credit report inquiry to Equifax despite the woman never requesting nor applying for credit with the bank following her bankruptcy. The lawsuit argues Wells Fargo’s inquiry into the plaintiff’s creditworthiness falls outside the scope of any permissible use since the woman no longer holds an account with the bank.