I am disputing the Wells Fargo Dealer Services account that is on my credit report with you. It is the only Wells Fargo Dealer Services account listed. 

I settled this debt with Wells Fargo Dealer Services in XX/XX/XXXX. This completely resolved the debt that I owed. I also do n't know why this is showing up as being late in the months after XX/XX/XXXX. If I do n't owe anything, how can you and Wells Fargo Dealer Services say that I am late? That 's impossible and does n't make any sense. 

But regardless of the reason, please delete the balance owed and make it show that I owe XXXX and delete the history after XX/XX/XXXX in which I paid this account off. Please make sure this is corrected and stays corrected. If you ca n't get a straight answer out of Wells Fargo Dealer Services then just delete the account. I do not want false information on my credit reports. 

I 'm enclosing a letter from Wells Fargo Dealer Services acknowledging receipt of my settlement payment and that the account is settled and I do not owe any more money. 

If you or Wells Fargo Dealer Services ( who I 'm copying with this letter ) decide you want to keep this account on my credit reports, please explain to me in writing why you are doing this. Explain why you are keeping this. To all of you -- show me the documentation that explains how I can possibly owe money when I have settled the account. I 'll be shocked and disappointed if you keep false information on my account and do n't even make an effort and explaining why you are doing this to me. 

But I 'm confident and hope that you will remove this false information from my credit reports. I 'm trying to make it easy for you to get in touch with me as I must have this false information removed from my credit reports. 

Thank you for correcting this error.