Consumer complaint received 2023-05-17
Company: Exeter Finance Corp.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX XXXX. 
XXXX, MI XXXX XX/XX/XXXX Exeter Finance RE : Requesting a Method of Verification Letter/Fraudulent loan practices Dear Sir/Ma'am : I recently received a response to a dispute ( see attached ) that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving a transaction with. I was saddened to learn that you somehow verified the disputed item, electing to leave it on my report. 

I am certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my dispute. 

I am very interested to learn how your investigators ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to as part of this investigation. 

I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, sol need specific answers to the specific questions asked of you in this letter. 

I was also under the impression that such credit information could not be furnished without the consumer 's written authorization. 15 U.S. Code 1681s-2- I have not provided such authorization to Exeter or any other organization. For these reasons, I ask that this information be removed from my personal credit report.

The loan provided through Exeter was forced on me by the XXXX XXXX  that I visited back in XXXX. I had recently filed bankruptcy and was not able to qualify for a traditional finance loan via my personal bank due to my credit at the time. Exeter was the only financial intuition that offered me financing. But at a price. This predatory lending has caused a financial hardship to myself and my family. Please discontinue reporting this FRADULENT account on my credit report. I will also be filing a complaint with the FTC and the Attorney General if this matter is not resolved expeditiously. 

Additionally, the GAP insurance refund was never applied to the balance of this contract. This can be viewed as fraudulent, since money that i paid was never applied to this reported outstanding balance of {$8900.00}. The GAP insurance premium was supposed to be refunded at a prorated amount. According to attachments included in this complaint and documentation provided by the creditor, no such evidence displays that this missing money being refunded or applied to any balance. This is FRAUD! I am not requesting an update to this account. I am strongly requesting deletion. 

I would also like to request proof of sale of the vehicle. No such information has been provided to myself as proof of the sale and refunded amount applied to the balance. 

Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible. 

Very Respectfully, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI, XXXX

Company response to consumer: Closed with explanation