Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Date : XXXX/2025 NOTICE TO PRINCIPAL IS NOTICE TO AGENT. NOTICE TO AGENT IS NOTICE TO PRINCIPAL. 

To the Agent known as : XXXX XXXX XXXX Wells Fargo Home Mortgage To the Agent known as : XXXX XXXX XXXX XXXX NOTICE OF INTENT TO FILE LAWSUIT WITH EXPRESS RESERVATION OF RIGHTS UNDER UCC 1-308 DEMAND FOR JURY TRIAL IN A COURT OF COMPETENT JURISDICTION To the above-named agents, their principals, and all associated parties : This Notice shall serve as your formal legal notification that the undersigned, hereinafter referred to as Affiant, intends to file a civil lawsuit against you in your personal and professional capacities. This action arises from your roles in the real estate and mortgage transaction involving the property at [ Insert Property Address ], which included unlawful conduct constituting fraud, privacy violations, coercion, and other civil and constitutional harms. 

Under legal doctrine, Notice to Principal is Notice to Agent, and Notice to Agent is Notice to Principal. This Notice is binding upon all principals, employers, agencies, and legal representatives connected to you. 

BASIS FOR LEGAL CLAIMS : 1. Promissory Fraud & Misrepresentation 2. Securities Fraud & False Claims ( 31 U.S.C. 37293733 ) 3. Unjust Enrichment 4. Harassment & Emotional XXXX 5. Breach of Fiduciary Duty & Negligence 6. Privacy Violations Privacy Act of 1974 ( 5 U.S.C. 552a ) 7. Constitutional Violations 4th & 14th Amendments 8. Violations of the Federal Reserve Act ( 12 U.S.C. Ch. 3 ) 9. Unfair & Deceptive Trade Practices State and Federal Supporting U.S. Supreme Court Case Law : XXXX XXXX United States, XXXX XXXX XXXX ( XXXX ) Right to privacy ; XXXX XXXX United States, XXXX XXXX XXXX ( XXXX ) Protection against illegal surveillance ; XXXX XXXX Florida XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) Due process and constitutional protection from overreach. 

TRUE BILL DAMAGES & DEMAND FOR REIMBURSEMENT The Affiant hereby demands full and immediate reimbursement of the following : {$140000.00} The full original promissory amount fraudulently leveraged, manipulated, or mishandled in violation of lawful lending practices and federal protections. 

{$60000.00} Compensation for : XXXX XXXX and XXXX XXXX ; Pain and suffering ; Financial losses stemming from fraud and misrepresentation ; Civil rights violations and personal harm. 

TOTAL TRUE BILL : {$200000.00} This True Bill represents the full amount owed to the Affiant and shall be entered as part of the record in any subsequent legal proceedings.

OPPORTUNITY TO CURE : In the spirit of resolving this matter prior to litigation, the Affiant hereby grants fourteen ( 14 ) calendar days from the date of this Notice to : Submit a written response acknowledging receipt ; Offer full remedy and restitution totaling {$200000.00} ; Cease and desist all further harmful conduct or unauthorized contact. 

Failure to provide a complete and satisfactory remedy within this timeframe will result in immediate civil litigation. 

DEMAND FOR JURY TRIAL : Affiant formally demands a trial by jury in a court of competent jurisdiction, and reserves all legal rights to pursue : Compensatory and punitive damages ; Restitution and injunctive relief ; Attorneys fees and litigation costs ; Regulatory reporting and professional discipline where applicable. 

RESERVATION OF RIGHTS : In accordance with UCC 1-308, Affiant explicitly reserves all legal, constitutional, and equitable rights without prejudice, including the right to remain silent, the right to due process, and the right to be free from coercion, fraud, or unlawful seizure.

All Rights Reserved Without Prejudice UCC 1-308 Respectfully, XXXX XXXX : Libonati agent/legal representative on behalf of XXXX XXXX aka XXXX XXXX UCC 1-308 Without Prejudice / All Rights Reserved

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