Consumer complaint received 2023-06-16
Company: Exeter Finance Corp.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Nc XXXX XXXX To Whom It May Concern : I recently received a copy of my ( XXXX, XXXX, or XXXX ) credit report, and I noticed some late payments posted on my credit report : EXETER FINANCE LLC : XXXX XXXX  XXXX XXXX : XXXX XXXX XXXXXXXX XXXX XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

15 U.S.C section 602 A. Clearly States that i have the right to privacy.

15 U.S.C section 1681 a creditor may not treat a payment. On a credit card account under an open-end consumer credit plan as late for any purpose.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations.

4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] I saw these inquiries are on my credit report, and you need to remove them because they are inaccurate, incomplete or unverifiable : Inquiry from XXXX XXXX XXXX  XXXX, Note : HARD Inquiry : Finance - XXXX, Date : XX/XX/XXXX This inquiry was not authorized, please remove it. 
Inquiry from XXXX XXXX XXXX XXXX XXXX, Note : HARD Inquiry : Automotive - XXXX, Date : XX/XX/XXXX This is questionable, please investigate it or remove it. 
Inquiry from XXXX XXXX XXXX XXXX, Note : HARD Inquiry : Finance - XXXX, Date : XX/XX/XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX This inquiry was not authorized, please remove it. 
Inquiry from XXXX, Note : HARD Inquiry : XXXX XXXX  XXXX, Date : XX/XX/XXXX This inquiry was not authorized, please remove it. 
I saw these accounts on my credit report, and you need to remove them because they are inaccurate, incomplete or unverifiable : Account : XXXX XXXX XXXX XXXX XXXX ) Date Opened : XX/XX/XXXX Balance : XXXX I am entitled to complete and accurate credit history ; this is missing account information so please remove it. 
Account : XXXX XXXX XXXX ( XXXX ) Date Opened : XX/XX/XXXX Balance : XXXX Please verify this information or remove it. 
Account : US DEPARTMENT OF EDU ( Original Creditor : XXXX XXXX ) ( XXXX ) Date Opened : Balance : XXXX I am entitled to complete and accurate credit history ; this is missing account information so please remove it. 
Account : US DEPARTMENT OF EDU ( Original Creditor : XXXX XXXX ) ( XXXX ) Date Opened : Balance : XXXX I am entitled to complete and accurate credit history ; this is missing account information so please remove it. 
Account : US DEPARTMENT OF EDU ( Original Creditor : XXXX XXXX ) ( XXXX ) Date Opened : Balance : XXXX I am entitled to complete and accurate credit history ; this is missing account information so please remove it. 
Account : US DEPARTMENT OF EDU ( Original Creditor : XXXX XXXX ) ( XXXX ) Date Opened : Balance : XXXX I am entitled to complete and accurate credit history ; this is missing account information so please remove it. 
Account : XXXX XXXX ( XXXX ) Date Opened : XX/XX/XXXX Balance : XXXX I am entitled to complete and accurate credit history ; this is missing account information so please remove it. 
XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX ( Original Creditor : XXXX  ) ( XXXX ) Date Opened : XX/XX/XXXX Balance : XXXX Please verify this information or remove it. 
Account : XXXX XXXX XXXX ( Original Creditor : XXXX ) ( XXXX ) Date Opened : XX/XX/XXXX Balance : XXXX Please verify this information or remove it. 
Account : DEPT OF ED/XXXX ( XXXX ) Date Opened : XX/XX/XXXX Balance : XXXX I am entitled to complete and accurate credit history ; this is missing account information so please remove it. 
Account : DEPT OF ED/XXXX ( XXXX ) Date Opened : XX/XX/XXXX Balance : XXXX I am entitled to complete and accurate credit history ; this is missing account information so please remove it. 
Account : DEPT OF ED/XXXX ( XXXX ) Date Opened : XX/XX/XXXX Balance : XXXX I am entitled to complete and accurate credit history ; this is missing account information so please remove it. 
Account : DEPT OF ED/XXXX ( XXXX ) Date Opened : XX/XX/XXXX Balance : XXXX I am entitled to complete and accurate credit history ; this is missing account information so please remove it. 

I want my credit report to be accurate and by law you need to remove accounts that are inaccurate, incomplete or unverifiable. If you verify the information, please respond with verifiable proof of an original consumer contract with my signature that you have on file for the accounts above. Unverifiable accounts must be removed. 


Best regards, XXXX XXXX

Company response to consumer: Closed with explanation