Consumer complaint received 2023-02-10
Company: Exeter Finance Corp.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXTER FINANCE LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXETER FINANCE LLC XXXX  XXXX I dont recognize this Fraudulent account Im a victim of identity theft. It is your duty to protect a consumer who notified you of identity theft and remove accounts no later than 4 days of receipt 15 USC 1681 C-2, FTC IS ATTACHED. in accordance with the fair credit reporting act ( consumer reporting agency ), has violated my rights. 15 USC 1681 section 602 A. States I have right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. YOU BROKE THE LAW!!! Failure to respond satisfactorily with deletion of the above demands will result in legal actions taken against your company for which I will be seeking {$1000.00} per violation for : Defamation of character negligent non- compliance Civil liability Mental anguish Fair credit reporting act 15 USC 1681 violation for willful noncompliance - 616. Civil liability for willful noncompliance ( 15 USC 1681n ) Identity theft Despite two written requests, the unverified fraudulent items listed below remain on my credit report in violation of Federal Law. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? Furthermore, you have failed to conduct the proper method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. ( I have the paper trail where you stated that you INVESTIGATED and verified this account however you committed another illegal act according to FCRA 15usc 1681a ( e ) the law states an investigation is only legally complete when you interview my family, associates, neighbors ) you did not do that you only contacted the company thats paying your financial institution to report this fraudulent item without my consumer consent. DELETE THESE FRAUDULANT UNAPROVE REPORTS NOW because The law is very clear as to the Civil liability and the remedy available to me the consumer ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer DELETE THESE accounts or I fully intend on pursuing litigation in this matter to enforce my rights under the FCRA to prove how ( bureau ) committed identity theft furnishing accounts without direct consumer consent. Late payment This report is illegal you must follow the law 15USC 1681a ( 2 ) ( i ) Exclusion, a consumer reporting agency is not allowed to report transactions and experiences such as ( payment history and utilization ). It is the consumer reporting agency 's job to make sure they follow maximum accuracy compliance and procedure 15USC 1681 ( e ). You have been notified and I demand removing this fraudulent illegal account from my consumer report. This is making me lose confidence in the banking system 15USC1681 ( a ) ( 1 ). Avoid a major violation because 15USC1681 section 602 A section 2, states a consumer reporting agency can not furnish an account without my ( consumer ) written instructions. Provide the signed written consent of ( me ) consumer and you ( consumer reporting agency ) to furnish this report. Understand that if Failure to delete this account within 30 days we will file all necessary complaints and seek legal counsel, the approved response is to delete this account immediately.

Company response to consumer: Closed with explanation