Consumer complaint received 2022-09-27
Company: Exeter Finance Corp.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
CFPB*****CFPB*****CFPB*****CFPB*****CFPB*****CFPB*****CFPB*****CFPB*****CFPB This is not a duplicate Complaint and is filed by XXXX XXXX XXXX XXXX. 

This complaint is in refrance to complaint XXXX XXXX filed on the CFPB website against XXXX. 

First i want to say that i find it a complete Joke the way that the CFPB allows the credit reporting agencies to not address the complaints and concerns of the Consumers .I am a living Human with rights Gaurenteed by our Constitution and a Set of rules and laws that are made a complete mockery of by the horrible ways and hiring practices of the credit reporting bureaus and evidently human resources of the cfpb..The complaint refranced above was responded to by XXXX today the XXXX day of XX/XX/XXXX and the result of my complaint was another responce that in no way shape fassion or form was related to my complaint, but yet the CFPB closed my complaint allowing yet again a credit reporting agency to disregaurd their own guidlines for what is to be included in a responce by a credit reporting bureau to a consumer , as well as allowing them continue with the open disregaurd to the FEDERAL GOVERNMENTS LAWS SET IN PLACE TO PROTECT CONSUMERS " THE FCRA '' 1. why does the CFPB esist if they will not help the consumer? 
2.CFPB openly allows the credit bureaus to violate the consumers rights without threat of any consequesce and my complaints will show just that 3.CFPB closed servral complaints from me allowing the bureaus to completely ignore any of my questions or concerns 4.XXXX did not answer one question about the furnishing of unverifiable data on my report 5.CFPB and XXXX have said or done absolutley nothing about Exeter finances out right refusal to provide the consumer with evidence in the fcra outlined time or manor 6EXETER has violated my rights by not supplying evidence and the fcra says i am legally entiteled to under both CFPB AND XXXX governing laws and experian flat out ignores my at firt request for deletion now demands for deletion 7 CFPB why does you office all0w this to take place How can exeter and XXXX get away with this i am an educated man and i am not making my own interputation of the laws the laws state what will and can not happen it does not leave marginal space for the bureaus to follow some rules and not others all of the fcra is to be followed and the CFPB is aiding and activly encouraging the violation of my rights and more than likely millions of other consumers rights and if there ids nothing done to stop this I will be that wistle blower i will go to XXXX XXXX XXXX and who ever else will listen and let their legal departments decide weather this is acceptable treatment of a consumers credit profile.

8. I have coppied every responce and every complaint and every non action taken by the CFPB to aide in the protetction aof my right nor the enforcement of the fcra 9.I am quite sure that the president Mr. Joe Biden or any of his constituants will approve of the behavior of one of their federal offices in allowing this to continue especially seeing reelection is around the corner see all its gona take is 1 media outlet to jump on this and the the will be an onslaut of individuals that feel the way i do but have just taken the abuse then well will see just how deep an investigative commitie can dig threw the CFPB and XXXX XXXX AND XXXX offices and just who has jobs when the dust settles, see i got nothing to lose cause your already screwing me and when its over ill still have my job but how about the employees of the offices where these are read and handled and we all kniow that XXXX or XXXX and XXXX XXXX to are allready in the hot seat surrounding the scandells the have rocked the 3 bureaus since XXXX wouldnt take much more then this abuse of power and disregaurd of laws and Americans rights to make the government start a process they have toyed with for sometime now and rethinking the whole structure of the workings of the credit system and that trillions lost for all involved except me .This is in no way a threat but more a promise, THE CFPB SHALL do something to stop these thing from happening or i am media bound WITH a scandal thats going to cause trouble not because im fussing but because i have valid proof from every bureau, and the cfpb with their own webite attatched and hand written and signed letters from creditors as to the flat out lies the bureaus dish out to us every day.THE ignoring of the wrongs being done to me my XXXX AND XXXX STOP TODAY 1.I demand answers to the above refranced complaint lodged against XXXX in the form of the example layed out in plain terms by the CFPB AND FCRA 2, I demand the granting of requested damages from the violations committed against me from EXETER FINANCE AND XXXX AND XXXX 3.I demand the deletion of the EXETER FINANCE file from XXXX and XXXX ( XXXX HAS ALREADY DONE SO ON the grounds that they have failed to comply with the fcra by refusing to furnish a consumer with evidence once provided a formal request ( 1 ) flat out refusal is a clear violation of my fcra rights ( 2 ) didnt provide evidence within 30 or even 60 days 4I demand that someone be held responsible for the updating of unverifiable information by XXXX XXXX and XXXX beig exeter states they reviewed calls bettween myself and their rep but will not provide the calls as proof that their rep did not agree to list in a good form of paid in full or weather i am correct and saying that there rep did state this fact if they will not provide said evidence they said they reviewed then neither side can not discredit the other making all information unverifiable and therefore illeagly updated to my credit report wich has been damaged by this for months on end despite my countless cries for the cfpb to perform its core duty in insuring the fair and legal treatment of consumers so please make this happen I just want to move on with my life dont really wana be on tv but if im ignored again i promise as god is my wittness and mucch time i spend disputing these actions being done to me i will tripple my efforts to have a media outlet pick up the story of absuse and derilection of the duties of a federal office formed for consumer protection and ill shake that tree til this fall out

Company response to consumer: Closed with explanation