Consumer complaint received 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Attn : XXXX ( XXXX XXXX ) and To whom it may concern at Wells Fargo Home Mortgage You are hereby in receipt of a 1692G ( b ) Follow up letter I have requested the original purchase agreement as well as many other lawfully required information and those at Wells Fargo Home Mortgage have not responded with any information since the inception of these disputes. Therefore being that there is supporting documents of all of these requests and the non compliance of Wells Fargo Home Mortgage I am lawfully demanding Wells Fargo Remove all claims on XXXX XXXX XXXX 's credit report I demand Wells Fargo Home Mortgage to release all claims on the mortgage on the the alleged loan # XXXX on the property address : " XXXX XXXX XXXX XXXX, Florida " XXXX ''. 

Failure to investigate as out lined in the FCRA Wells Fargo has willfully violated the Fair Debt Collections Practices Act and now I, XXXX XXXX XXXX am giving Wells Fargo Home Mortgage one last opportunity to provide the legally required documentation OR Delete the account from affiants credit report and cease and desist from all further contact. 
Failure to provide the original signed promissory note as requested. 

Wells Fargo Home Mortgage has violated the Gramm-Leach-Bliley Act as well as numerous other rights recorded by congress Wells Fargo Home Mortgage has violated 15 USC 6802 : Obligations with respect to disclosures of personal information which states that a financial institution must give a notice in the mail or email stating that they may report something to a third party and must give me an opportunity prior to the information reporting to a third party an opportunity to choose whether I want to exercise my right to not disclose this information to the third party Wells Fargo Home Mortgage failed to explain / disclose information on opting out and being that I, the consumer know this Wells Fargo Home Mortgage is now liable for being sued for principal damages, punitive damages, Wells Fargo Home Mortgage would be responsible for court fees, the court case, attorney fees, as well as all other compensating damages in associated.

I do not consent to these proceedings All rights unalienable rights reserved and none waived Pursuant UCC1-308 -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- AFFIDAVIT OF TRUTH -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- COMES NOW XXXX of the XXXX household, the natural living flesh and blood woman, a peaceful XXXX XXXX on the land, under oath, who states that the following information is of his own personal knowledge and belief. 

Pursuant : ARTICLE 1, SECTION 10 CLAUSE 1, US CONSTITUTION " no state shall ... make any law ... .. law impairing the obligation of contracts. '' Double Booking is illegal Reporting inaccurate unverified on any account associated to a living breathing man is also illegal For there can be no contract between a living breathing man or woman and a legal fiction therefor any contract I have signed or consented to under the legal fiction name in all capital letters is void, XXXX  XXXX  " I DO NOT AUTHORIZE YOU ( WELLS FARGO/WELLS FARGO HOME MORTGAGE/Wells Fargo Home Mortgage ) to identify me as being the " legal fiction identity name '' on your documents.

I DO NOT CONSENT TO BEING IDENTIFIED BY ANY NAME. '' Take Notice that I also revoke, cancel and make void ab initio all powers of attorney, in fact, in presumption, or in otherwise, signed either by me or anyone else claiming to act on my behalf, with or without my consent, as such powers of attorney pertains to me or any property owned by me, by, and not limited to, any and all quasi/colorable, public, governmental entities or corporations on the grounds of constructive fraud, concealment, and nondisclosure of pertinent facts. 

Federal Reserve notes are " obligation of the United States to the American people and the Federal Reserve Bank. -- -- Federal Reserve Act, section 16 ; codified at 12 USC 411.

I affirm that all of the foregoing is true and correct. 

I affirm that I am of lawful age and am competent to make this Affidavit. I hereby affix my own signature to all of the affirmations in this entire document with explicit reservation of all my unalienable rights and my specific common law right no to be bound by any contract or obligation which I have not entered into knowingly, willingly, voluntarily, and without misrepresentation, coercion, or duress. 

FURTHER AFFIANT SAITH NOT. 

All Rights Reserved /s/________________XXXX XXXX  XXXX Subscribed To and Sworn To Before XXXX [ XXXX XXXX ] this XXXX day of XX/XX/XXXX 2025

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