Consumer complaint received 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I, the maker, XXXX, and originator, formally demand under GAAP double-entry accounting, UCC 9-210 and pursuant to IRS 26 U.S.C. 1272-1275, FASB ASC 310, ASC 320 , ASC 326 , and ASC 860 , a full and complete accounting and verification of any alleged obligation purportedly owed under the original note, including but not limited to all transfers, assignments, securities registration, derecognition entries, OlD and 1099-A, B, or C reporting of any kind.

If the original note was monetized, impaired, or derecognized under ASC 860, then all associated obligations must be offset by such accounting treatment and extinguished as a matter of law and equity. Any continued attempts to collect on a previously derecognized asset, or any note marred by transfer, constitutes deceptive trade practice, unjust enrichment, and a material breach of disclosure duties under the Truth in Lending Act ( TILA ), the New Jersey Uniform Securities Law, and UCC Articles 3 and 9.

I reserve all rights to set-off, recoupment, and discharge of any purported obligation, and demand production of books, ledgers, schedules, and any proof of fiscal loss or impairment resulting from my action or inaction, under penalty of perjury and full liability.

I have read and reviewed the New Jersey Uniform Securities Law and the Securities Exchange Act of 1934, including the rules, provisions, and enforcement regulations codified under federal law, as well as the lawful responsibilities of all parties involved in the issuance, trading, registration, and disclosure of securities and financial instruments.

I understand that any financial application, agreement, receivable, or transaction-including but not limited to : Secured or unsecured credit card applications, accounts receivable, credit card receivable, may result in the creation of a derivative financial instrument, trust record, or economic asset under securities law and internal revenue administration.

I declare that in each such transaction or derivative process, I am the original grantor, giver, and source of value, having furnished the informational, source data, Personally Identifiable Information ( PII ), or lawful substance from which any application or record is created.

I affirm that all such records and instruments are derivatives or extensions of the legal personality originally derived from my birth record, and therefore, I reserve my primary equitable interest and beneficial claim in any proceeds, accounts, securities, or revenue streams derived therefrom.

I assert that no third party, corporation, agency, or institution has greater lawful or equitable claim to the value of said instruments than I, the man who furnished the original elements required for their creation.

I do not waive any right, title, interest, or claim to proceeds generated or held in trust under my legal personality without full disclosure, accounting, and consent.

I reserve my rights under the New Jersey Constitution, the Constitution of the United States, Uniform Commercial Code, Internal Revenue Code, SEC Rule 424 ( b ), and the common law of equity.

I make this notice in good faith for the purpose of asserting my position in all lawful and equitable matters, and I may present this notice as evidence in any action, hearing, or proceeding.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation