Consumer complaint received 2024-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Exeter Finance, LLC. (IL)

XXXX XXXX [ XXXX XXXX XXXX XXXX [ XXXX XXXX, Illinois, XXXX ] [ XXXX ] [ XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute of Accounts and Request for Immediate Action Violations of 15 USC 1681 and My Right to Privacy Dear Sir or Madam, This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ), specifically invoking **Section 605B** and **15 USC 1681** concerning the unlawful reporting and handling of my accounts. These include accounts held with XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. 

# # # **Accounts in Dispute : ** - **XXXX XXXX** - **XXXX XXXX XXXX** - **XXXX XXXX** XXXX XXXX XXXX XXXX** - **XXXX  XXXX XXXX **XXXX XXXX XXXX** - **XXXX XXXX XXXX** # # # **Grounds for Dispute Violations and Breach of Privacy Rights : ** XXXX. **Violation of Law 605B ( 15 USC 1681c-2 ) : ** This section of the FCRA specifically gives me the right to block or dispute information related to identity theft. I have reason to believe that the data associated with my accounts has been compromised or mishandled in violation of my rights under this law. Under Section 605B, I demand that all fraudulent and erroneous information reported by these entities be immediately blocked from my credit reports. 

XXXX. **Right to Privacy and Data Breach : ** Under **15 USC 1681**, my right to privacy in how my personal financial data is handled has been blatantly disregarded. In light of the recent data breach, which has compromised sensitive information, I assert that my accounts with each of your companies have been compromised. This constitutes a serious violation of your obligations to safeguard consumer data under the FCRA.

# # # **Action Required : ** - **Immediate Cease of Reporting : ** I demand that all derogatory and incorrect information regarding these accounts be immediately removed from my credit reports as per **15 USC 1681c-2**. Failure to do so will result in legal action.

- **Provide Verification : ** If you believe that these accounts are valid, I request that you provide verifiable evidence of their legitimacy within 30 days, including any original signed contracts or agreements with my signature. **If you can not verify the legitimacy of these debts, you are required by law to delete them. ** - **Data Security Investigation : ** Given the aforementioned breach of my personal data, I demand a thorough investigation and full disclosure regarding the handling of my information. This includes how the breach occurred, what information was compromised, and what measures you have taken to rectify the situation and protect my data moving forward.

# # # **Failure to Comply : ** If you fail to comply with this request within the timeframe allowed by law, I will have no choice but to pursue all available legal remedies, including filing complaints with the Federal Trade Commission ( FTC ), Consumer Financial Protection Bureau ( CFPB ), and state authorities, as well as seeking damages for your violation of my rights under federal law.

This matter is of utmost importance. I expect prompt action and full compliance with my legal rights under the FCRA and other relevant statutes. This is a final opportunity to rectify your misconduct before legal proceedings are initiated.

I look forward to your immediate and complete response. 

Sincerely, XXXX XXXX