Consumer complaint received 2022-03-12
Company: Exeter Finance Corp.
State: FL
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: Problem with personal statement of dispute

Complaint:
Im writing a new complaint because per FCRA I have the right to fair and accurate reporting of my credit information. I will seek legal counsel if this is not resolved. I am more than patient as Exeter finance plays with my credit report. Exeter finance placed a charge off on my account across all XXXX major credit bureaus on XXXX XXXX. My car was totaled out in XX/XX/2020 and I contacted Exeter finance about the incident also in XX/XX/2020. I stated that my insurance was on top of things and they would be sending payment to pay off my car since it was total loss. XXXX paid Exeter finance {$8000.00} on XXXX XXXX. I have enclosed the proof. This is third time I have provided proof. This was paid well before Exeter finance charges my account off. It should have never been charged off. There was a small balance left on my account which I called Exeter finance again to tell them that gap would cover the rest of the car. Charge off means a creditor believes they will never receive payment. Exeter finance knew good and well that they had received {$8000.00} in XXXX and that gap was paying the rest of the car off which they did. Not only is this charge off bogus exter finance is reporting inaccurately across all three credit bereaus. I will also enclose this new evidence. Exeter finance has XXXX negative potentially months on XXXX credit report and XXXX negative potentially months on the other XXXX credit reports. On XXXX of my credit reports a few months show green and paid on time while on another credit reports it shows 30 days late. I really dont want this investigated again I want it REMOVED! They have been playing with my credit report and moving positive/negative months for over a year now. They are seriously affecting my credit report and not being fair per fcra and I cant even purchase a home due to this charge off causing my score to be so low. XXXX has been paid this off in XX/XX/2020. There is no reason why I should have to continue fighting exter finance. XXXX finance also has changed my charge off month several times and my credit continues to suffer. On XXXX of my credit reports the charge off month is XX/XX/2020. Another report the charge off is XX/XX/2020. While on another the charge off is XX/XX/2020. Why should I have to suffer for this for 7 years when it was never a charge off. FCrA guidelines states if a creditor reports inaccurately the charge off has the DELETED when a creditor reports incorrect data. They have violated FCRA guidelines and Exeter knows this. In the beginning I was since I didnt pay out of pocket is the reason for the charge off. Its not my fault that my insurance company sent the {$8000.00} payment directly to them. On XXXX XXXX ( before the charge off ) after I spoke to a representative they even removed the late fee that was applied in XXXX XXXX after I called and told them my insurance was paying the car off. I have suffered fighting exter finance long enough and I honestly dont understand the reason. Also on XXXX credit reports Exeter reported a XXXX balance on XXXX XXXX when they charged the account off. however on another credit report exter finance reported a balance of {$930.00} on XX/XX/2020 when they charged it off. I also have enclosed this proof. If Exeter finance doesnt remove this charge off completely off of my credit report I will seek legal counsel for their Fcra violations to recover damages for reckless reporting.

Company response to consumer: Closed with explanation