Debt on my credit for {$3000.00} states a charge off XXXX XXXX XXXX 2016 I spoke to someone at your office about a debt on my credit report. I asked the operator why this is owed and she stated she was unsure but is willing to settle for {$2500.00}. A letter sent to Wells Fargo was sent asking for explaination as to why I owe this but after 30days I have yet to receive anything. I 've also sent a copy to all the XXXX major credit agencies certified And sent a complaint to the XXXX ... .which your company failed to respond to. Im demanding a detailed explaination of how I owe this balance. The next step after this is a lawyer. 
