Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Exeter Finance, LLC. (GA)

I am writing to urgently request the deletion of inaccurate and duplicate credit reporting by Exeter Finance LLC. Despite my previous complaints and your intervention, Exeter Finance LLC has failed to resolve these issues, resulting in ongoing inaccuracies and duplicate reporting across multiple credit bureaus. I am requesting immediate deletion of the erroneous information in accordance with the Fair Credit Reporting Act ( FCRA ). 

Background of Previous Complaints : First Complaint : Complaint ID : XXXX Date : XX/XX/XXXX Description : Addressed discrepancies in account type and status. 
Status : Closed ; Company responded. 
Second Complaint : Complaint ID : XXXX Date : XX/XX/XXXX Description : Highlighted inconsistencies in payment history and reporting dates. 
Status : Closed ; Marked as a duplicate complaint on XX/XX/XXXX. 
Third Complaint : Complaint ID : XXXX Date : XX/XX/XXXX Description : Reiterated issues similar to the second complaint. 
Status : Closed ; Marked as a duplicate complaint on XX/XX/XXXX. 
Current Issue : The account in question exhibits discrepancies across XXXX, XXXX, and XXXX and is reported as the same debt multiple times. This constitutes a clear violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681e ( b ), which mandates that all information reported must be accurate and complete.

Discrepancies and Violations : Account Type and Detail Discrepancies : XXXX : Account Type : Installment account ; Detail : Installment account XXXX : Account Type : XXXX  ; Detail : Auto Loan XXXX : Account Type : Installment ; Detail : Installment Under 15 U.S.C. 1681e ( b ), furnishers must ensure the accuracy and completeness of their information. The inconsistency in account details across bureaus demonstrates a failure to meet these requirements. 
Account Status and Payment Status Discrepancies : XXXX : Account Status : Indeterminate ; Payment Status : Charged off as bad debt XXXX  : Account Status : Indeterminate ; Payment Status : Charge-off XXXX : Account Status : Indeterminate ; Payment Status : Charge-off According to 15 U.S.C. 1681i, inaccuracies in account statuses and payment statuses must be corrected. The existing discrepancies violate these requirements. 
Reporting Dates and Payment History Discrepancies : XXXX : Last Reported : XX/XX/XXXX ; Payment History not provided. 
XXXX : Last Reported : XX/XX/XXXX ; Payment History shows inconsistent entries. 
XXXX : Last Reported : XX/XX/XXXX ; Payment History shows inconsistent entries and conflicting data. 
Under 15 U.S.C. 1681c, outdated or incorrect reporting dates must be rectified. The inconsistent payment histories further underscore reporting inaccuracies.

Double Reporting of Debt : Reporting the same debt multiple times across credit bureaus creates a misleading representation of my credit status and constitutes a form of double jeopardy. This practice not only breaches 15 U.S.C. 1681e ( b ) but also unfairly damages my credit profile.

Request for Immediate Deletion : Given these persistent inaccuracies and the double reporting issue, I urgently request that Exeter Finance LLC delete all inaccurate and duplicate reporting related to this debt from all credit bureaus. The continued presence of this erroneous and duplicated information violates the FCRAs requirement for accurate and complete reporting.

Supporting Documentation : Enclosed are copies of relevant documentation, including prior complaint correspondence and evidence demonstrating the reporting inaccuracies and double reporting.

Conclusion : I urge the CFPB to take swift and decisive action to ensure Exeter Finance LLC removes this inaccurate and duplicate reporting from my credit files. Immediate deletion of this information is crucial to rectify the inaccuracies and restore my credit standing. I expect prompt resolution to this matter. 

Thank you for your urgent attention to this issue.