Letters form words and words have mean meanings.

Letters other people speak refer to the meaning the speaker refers to, not the meaning you want the letters to have as you are not the speaker, thus not the one referring to something.

That is that the term "woman" refers to.

That’s the term you refer to when you speak the letters but you are not all people. A homonym is term that is spelled and/or pronounced as another term but differs in meaning. Therefor those letters don’t form one single term, it would form as many homonym terms as the different meanings people refer to when speaking those letters, which would be at least one term for you and a completely other term for me. When it’s you speaking the letters you can refer to gender identity but it’s morally wrong to pretend all other people speaking the letters would be referring to the same term as you when you know for a fact they don’t, that’s putting words into the mouths of others, aka lying.

So if I say someone is a “woman”, how should that be interpreted by you without using the letters “woman”?