Product: Credit reporting or other personal consumer reports

Subject : Third Complaint Continuation of CFPB XXXX XXXX. XXXX ( Wells Fargo ) & XXXX ( XXXX XXXX XXXX  ) Title : Wells Fargo Ongoing Violations : Reliance on Fraudulent Financing Documents and Reused E-Signatures -- - To the Consumer Financial Protection Bureau : I am submitting this third complaint as a continuation and escalation of my earlier CFPB submissions : Case # XXXX ( Wells Fargo ) Case # XXXX ( Bobs Discount Furniture ) This complaint addresses Wells Fargos most recent response, dated XX/XX/XXXX, and the documents they provided in connection with Sales Order # XXXX. After reviewing their reply and accompanying documentation, it is clear that Wells Fargo has doubled down on its reliance on fraudulent documents tainted by unauthorized electronic signature reuse and post-signature alterations. 


-- - Summary of Key Violations : 1. Unauthorized Signature Reuse ( ESIGN Act / UETA Violation ) Wells Fargos response falsely claims my consent to financing agreements based on documents dated XX/XX/XXXX and XX/XX/XXXX, despite clear DocuSign audit trails showing I never signed or viewed those documents. My e-signature from XX/XX/XXXX was reused without my knowledge or interaction, which violates the Electronic Signatures in Global and National Commerce Act ( 15 U.S.C. 7001 ) and Uniform Electronic Transactions Act ( UETA ). 

2. Material Alterations Without Disclosure or Consent ( TILA Violation ) The financing agreement Wells Fargo approved contains materially different terms, including new furniture items, delivery dates, and amounts financed. These changes were never presented to me or disclosed in any updated TILA disclosure form prior to consummation. Wells Fargos reliance on these altered documents is a violation of Truth in Lending Act ( TILA ) requirements under 15 U.S.C. 1632. 

3. Unfair and Deceptive Practices ( UDAAP Violation ) Wells Fargo continues to misrepresent the validity of the contract despite clear proof that it was altered post-signature and executed using automation, not consumer intent. This constitutes an Unfair, Deceptive, and Abusive Act or Practice ( UDAAP ) under the Consumer Financial Protection Act ( 12 U.S.C. 5531 ). 

4. Failure to Investigate or Escalate ( Repeat Violation of FCRA and CFPB Rules ) This is my third formal complaint on the same issue. Despite being made aware of these violations in XX/XX/XXXX, Wells Fargo failed to : Suspend enforcement of a disputed obligation. 

Investigate the fraudulent nature of the e-signature trail. 

Provide me with all documentation or evidence used to process the financing. 


This raises concerns about systemic compliance failures. 


-- - Relief Requested : 1. Immediate cancellation of the financing agreement tied to Sales Order # XXXX. 


2. Removal of any tradeline or inquiry from my credit reports associated with this unauthorized loan. 


3. Formal enforcement action by the CFPB for repeated and knowing violations of TILA, UDAAP, and e-signature laws. 


4. Public record of this misconduct for regulatory scrutiny. 


5. Internal audit of Wells Fargos acceptance of altered consumer contracts from XXXX XXXX XXXX. 




-- - Attachments Available Upon Request : XX/XX/XXXX Resolution Letter from Wells Fargo XXXX XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) Original and altered Sales Orders DOJ and SEC complaints substantiating broader systemic violations Thank you for your continued attention to this matter. I request this complaint be consolidated with my previous filings to reflect the escalating and unresolved nature of this case.