Consumer complaint received 2023-06-26
Company: Exeter Finance Corp.
State: GA
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:
Im filing this complaint against XXXX, I have tried and sent countless complaints and ftc identity theft reports showing and proving Im a victim of identity theft and I have been ignored, XXXX has shown negligence and disregard for my rights and privacy, I filed a ftc complaint against Exeter finance for stealing my identity and using it to open this fraudulent account in my name, I will provide documentation to prove that Exeter finance has went as far as to deceive XXXX, exeter finance initial balance was XXXX dollars then the amount changed to XXXX dollars, exeter finance made XXXX believe that the car was sold at auction and that was the remaining balance, resources I have has provided that the state of ga has no record of a repossession, my information I have been giving has shown by a previous manager that Exeter finance has placed this vehicle on a truck sent the vehicle out of state by XXXX so this vehicle woujd not be found, the vehicle was sold to an individual in Florida, this XXXX was sold to an auction, this was made to be a. deception by exeter finance and XXXX, XXXX ran an auto check and found by running the vin number, the vehicle was purchased by an individual that bought from XXXX in Florida not at an auto auction, because like the documents I have that show this vehicle was spotted on the website of XXXX and it was setting on a XXXX car lot in Florida I have the documentation to prove it, exeter finance has deceived both CFPB and has denied removing this fraudulent account, the of ga does it have any record of any repossession of that vehicle, I also have fabricated documents that was sent to an address I dont live was shown that the car was sold at an auction, but wasnt, so Exeter finance has lied, now remove this car from my credit report or I will sue for Damages and negligence by Exeter finance and I will file this complaint with the attorney general in Texas for review and show that Exeter finance committed fraud and lied about the selling of this car I never owned, I will not under no circumstances send any information to Exeter finance. My information has already by this company been compromised and used, XXXX helped Exeter finance by providing false statements and information of the where about sand how this car was sold and I will also turn this over to the attorney general for the state of ga, for deception and not providing accurate information on how this vehicle was sold, I have documentation that shows the date that car was bought and where it was bought from ( XXXX car lot in Florida ) this vehicle was found by the vin number being searched by XXXX and this vehicle needs to be remove before I file suite thats all you got to do in this matter, I will provide the attorney general in Texas that documentation to show the matter in which Exeter finance has not provided any information on the that the car was sold at auction it never was, I ran this pass a good friend for the state all repossessions are supposed to be reported as reposssed that didnt happen but yet Exeter finance got XXXX to load this vehicle on a truck and take out of state to another car lot and lied his the car was sold, thats deception and covering up as fraud in this matter, easy fix I dont want money or anything just remove this vehicle or Im going to the news media and provide those documents to an investigative reporter and show just how Exeter finance needs to be brought under investigation by CFPB and the federal trades commission for fraud, please dont make me push any more points I tried to be nice your reps on the phone were very rude and unprofessional and recorded, in my state I can record anyone I see fit under ga start ga , remove this account from XXXX  thank. Now here is a cease and desist demand as of today I can file an initial order and send to Exeter finance. 1 ) stop sending letters of a harassing nature 2 ) you are being requested by the sole authority of that property not to send anymore letters to that address 3 ) do not try any form to communicate through that address or your actions will be deemed inappropriate and harassing. 4 ) any further communication from this point will be considered harassment by Exeter finance and deemed inappropriate for further action against the exeter finance 5 ) legal action will be initiated and a report filed for any further action will be documented and used for the purposes described in this cease and desist order, calls will be recorded and documented and immediately reported as harassment. 6 ) as of today no letters or any communication or correspondence from exeter finance will be made or received communication stops as of this filing with the CFPB, this serves as a notice and written communication. 7 ) this communication is to be taking seriously, follow this order as it is written any disregard will be a complaint filed for harassing from this point This is to be seriously and considered what this complaint and order that has been filed, the person at that address has complained to law enforcement about the constant harassment from Exeter finance stop sending letters, that account is fraud and needs to be removed immediately and stop using my personal as gain or you will be sued for actual damages, Im asking fro this point nicely you have deceived XXXX XXXX remove this account from my file please read this entire complaint, this car and information that was provided was fraudulent. 8 ) any communication from this point after Exeter Finance receives this communication and fails to abide by its terms as written will be handled by authorities for any harassment, the sole person responsible for this cease and desist order demands you stop any and all activity if ignored charges will be filed Thank you I spoke to your account manager XXXX over the phone today XX/XX/XXXX this information im sending Exeter finance meds to be taking seriously, I have not open any account I have explained to XXXX over the phone I will not send any information to Exeter finance, yall have already compromised my information with out my knowledge, I have considered turning this over to an attorney to start a law suite but I would consider this matter closed if this account is taking off my credit report, I have stated to XXXX ( account manager or department manager ) that my information was leaked on the dark web she started a inquiry on my be half, I have also initiated an investigation through XXXX I did not open this account, the information I am providing is a ftc identity theft report and screenshots showing this vehicle was not repossessed nor was it sold at an car auction, this vehicle was found on a lot in Florida by an investigator and said that this vehicle was ok the lot of XXXX  XXXX when sold, false and misleading information was sent to an address I did not Ive at which Is my girlfriends address, the letter stated that the car was repossessed and sold to an auction, this is false information, XXXX and the investigator notified me about the information provided, the vin number was ran through the state of ga system and found that the vehicle was not repossessed and that in fact not information was found that the vehicle has been sold at any auction in ga, sense I didnt own this vehicle, by the information I was giving that any vehicle repossessed and claiming that it was auctioned off has to be recorded and reported through the state of ga, XXXX and the investigator provided such information, under the direction of the investigator and advice of attorney I will not provide any information to Exeter finance, yall committed identity theft to me, just take this off my credit I have information that contradicts the letter in which yall sent to the address I never lived at, and that this car was not repossessed at all, its simple just take the account off my credit report and that would be it, I have proof that someone at Exeter finance lied and sent false information that can be used in open court im not willing to go that far not file any suite , but it would be my right to, the information that was provided to XXXX is false and misleading information, it needs to be deleted immediately, that vehicle was sold to an individual in Florida from XXXX XXXX, the investigator found and spoke to a manager and that information was given to reference that the vehicle was not sold at an auction, rather it was loaded in a truck and sent out of state to avoid the vehicle being found because XXXX XXXX information was used, I am a victim of identity theft, please do not ask for my information as Im providing enough to Exeter finance to remove this account from report, yall have used my information illegally and now I am showing that the information I have and what was provided to me shows that this vehicle was sold by XXXX XXXX in Florida to a male XX/XX/XXXX and its shows on auto check as this vehicle was never repossessed by Exeter finance and was not reported, plesse delete this account im also sending a letter from the IRS showing through them a victim of identity theft, someone tried to file taxes in my name by using my information, my information was leaked on the dark web, and a letter from XXXX XXXX showing a data breach of my information so you can an understanding of what I been through this information im sending will be saved as proof Im sending to Exeter finance XXXX XXXX knew about the data breach in XXXX and did not notify me or any consumer until XXXX they were fined and investigated for the incident, I have sued and won my case against XXXX XXXX for leaking and exposing my information, and they have open numerous accounts fraudulently In my name please understand what I have been through with all this I have locked down my credit so please thank you.

Company response to consumer: Closed with explanation