Consumer complaint received 2019-02-06
Company: Exeter Finance Corp.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XX/XX/XXXX Exeter Finance XXXXXXXX XXXX  XXXX XXXX, TX XXXX RE :  Acct # : XXXX RE : To your Response on my CFPB Complaint XXXX & Direct Dispute.

To Whom It May Concern : In compliance with FCRA 623 ( a ) ( 8 ) ( D ), and enacting regulations published at 74 Fed Reg 31484 ( XX/XX/XXXX ), 16 CFR 660.4, this Notice of Direct dispute includes the following : In the continuation of this, direct dispute with Exeter Finance. These issues will once again be address : Late Payments /On-Time payments : As noted in my direct dispute with you mailed and listed in the CFPB Complaint above, I asked to see Exeter Finances account statement not the personal account pertaining to this account. We need to see when the payments went into your account, how they went into your account etc, this information clearly requested. Without providing this information any late payments your provide to CRAs or whoever is unverifiable. The only legal way to prove if a payment was late or not will be to show the evidence requested. If you are unwilling to provide this documentation then I suggest you cease all reportings to the CRAs about payment history of this account. 
You provided an account statement but you failed to provide information about certain payments that were credited to the account, as requested in my previous direct dispute with you. According to your account statement, you added a waived fee, that does not count as a payment on account and by no means does it restart the DOFD in fact it is illegal for you to do so, which I know you know and yet you have reported this to the CRAs, as accurate. ( Please See attached Document Labeled Exeter XXXX ). 
Any payments listed after XXXX to this account I want to see verifiable proof of these payments, ie. Exeter Finances personal bank statement showing these payment, not Acct # XXXX account statement. Also, provide the payment method and who authorized these payments. I have my bank statements and I never used checks. Please provide this information requested. 


Notice of Default and Requirement of Strict Compliance : You realize under this account you have issued ( 5 ) notice of defaults and requirement of strict compliance ( Cure notices ) and out of the ( 5 ) notices ( which I have made copies of from the online account ). The following issues arise : - The payments you demanded under the notice of default were not made by the dates listed in each of the defaults - Your explanation of calculation of surplus or deficiency is illegal in the state of Indiana. Where are the payments made to the account on this form? You cant legally supply a deficiency balance without allocating the all payments made on this account towards the balance.

You failed to provide requested information : o Please provide copies of this payment account number/name on account/authorization/payment method, as well, Exeter Finances own bank and transaction records to verify the validity of this payment. If payment method was money order/check please provide copy of check/ money order showing a signature and a tracking/account number name etc. I do believe this payment to be illegal and in violation.

- Also, in the state of Indiana this repossession is considered wrongful.

Company response to consumer: Closed with explanation