WELLS FARGO DEALER SERVICES IS REPORTING A PAID OFF LOAN AS PAST DUE NOW FOR 24+ MONTHS TO ALL XXXX CREDIT BUREAUS - FILED A BOGUS BK XXXX CHAPTER XXXX CLAIM - COLLECTED PAYMENT EVEN ON A DEBT EVEN THAT IS NON EXISTENT - CONTINUES TO VALIDATE A DEBT WHEN DISPUTED WITH EACH CREDIT BEAUREA VIA ONLINE DISPUTE PROCESS AS I POSSES VEHICLE TITLE SHOWING NO LIEN HOLDER, MY INSURANCE COMPANY HAD PAID THE LOAN OFF IN FULL BACK IN XX/XX/XXXX, I HAVE PROOF OF THE CLAIM FROM MY INSURANCE COMPANY OF THE CHECK NUMBER WELLS FARGO DEALER SERVICES RECEIVED, THE DOLLAR AMOUNT OF THE CHECK THEY RECEIVED, THE CHECK NUMBER, WHEN IT WAS CASHED, THE PAYOFF AMOUNT, ALTHOUGH WELLS FARGO RELEASED THE TITLE AND IS NO LONGER A SECURED LIEN HOLDER, HAS NO LOAN AND HAS FULL PAYMENT, THEY REFUSE TO FIX AND CORRECT MY CREDIT REPORTS AND CONTINUE TO REPORT A BOGUS PAST DUE AMOUNT ON A CHARGED OFF LOAN THAT WAS PAID OFF IN 2011 WHICH IS AND HAS RUINED MY CREDIT AND ABILITY TO OBTAIN CREDIT SINCE XX/XX/XXXX, AND I HAVE ATTEMPTED TO CORRECT IT THROUGH FORMAL BUREAU DISPUTES YET THE CREDIT BUREAUS CLAIM THE AMOUNT IS VALIDATED SOMEHOW REFUSE TO SEND ME PROOF OF HOW IT IS VALIDATED, WELLS FARGO EVEN CLAIMED A BANKRUPTCY CLAIM ON MY CHAPTER XXXX FILING BETWEEN XX/XX/XXXX-XX/XX/XXXX COLLECTING PAYMENTS ON A NON EXISTENT LOAN - I HAVE CALLED WELLS FARGO REPEATEDLY GETTING HUNG UP ON - TOLD A MANAGER WILL CALL BACK ON THIS PILOT PROJECT - I NEVER GET A CALL BACK - IT 'S BEEN FIVE YEARS - I AM REPEATEDLY GIVEN THE RUN AROUND THIS IS ILLEGAL - I HAD ADDITIONAL GAP COVERAGE ON TOP OF THE COMP INSURANCE CLAIM THEY REC 'D FULL PAYMENT ON TO PAY OFF THE CAR IN FULL. I NEVER REC 'D A DIME FROM THE GAP POLICY. I SHOULD HAVE REC 'D PAYMENT WHICH I DID NOT. IF ANYONE IS OWED MONEY BACK IT IS ME, NOT THEM. THEY CAN NOT REPORT A BALANCE ON A LOAN FULLY PAID AFTER 5 YEARS, WHY ARE THEY ABLE TO DO THIS. THEY ARE AND HAVE RUINED MY CREDIT FOR YEARS AFTER A LOAN IS FULLY PAID THIS IS COMPLETELY AND UTTERLY IRRESPONSIBLE WHEN THEY HAVE MADE MY CREDIT SCORE BEYOND REPAIR AND NEARLY IMPOSSIBLE TO ESTABLISH ANYTHING ABOVE XXXX ALL WHEN I DO NOT EVEN OWE THE DEBT AND THE BUREAUS ARE SOMEHOW WORKING WITH THEM TO VALIDATE DEBT THAT DOES NOT EVEN EXIST. 
