Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Exeter Finance, LLC. (CA)

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Date : XX/XX/XXXX Subject : Formal Complaint Against Exeter Finance LLC for XXXX XXXX XXXX and XXXX XXXX XXXX Requested Documentation Complainant : XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX CA XXXX XXXX : ( XXXX ) XXXX Email : XXXX Complaint Overview : I am filing a formal complaint against Exeter Finance LLC due to their failure to provide accurate information regarding my account and their continued reporting of incorrect information to the credit bureaus ( XXXX, XXXX, and XXXX ) XXXX Despite my written requests, Exeter Finance LLC has not provided the necessary documentation to validate the debt in question. The discrepancies in the information reported to each credit bureau are as follows : XXXX Report : Reported : XXXX. XXXX, XXXX Balance : {$9800.00} Account Status : Closed Current Payment Status : Charge-off Worst Payment Status : Charge-off Opened : XXXX. XXXX, XXXX Term : 60 months Payment History : 1 % of payments made on time Last Payment Date : XXXX XXXX, XXXX XXXX Report : Reported : XXXX. XXXX, XXXX Balance : {$9800.00} Account Status : Closed Current Payment Status : In Collections/Charge-off Worst Payment Status : No Info Opened : XXXX. XXXX, XXXX Term : 60 months Payment History : No payments made on time Last Payment Date : XXXX XXXX, XXXX XXXX Report : Reported : XXXX. XXXX, XXXX Balance : {$9800.00} Account Status : Closed Current Payment Status : Charge-off Worst Payment Status : Charge-off Opened : XXXX. XXXX, XXXX Term : 60 months Payment History : 1 % of payments made on time Last Payment Date : XXXX XXXX, XXXX Details of Complaint : Inaccurate Credit Reporting : The information reported by Exeter Finance LLC to the credit bureaus is inconsistent and incorrect. These discrepancies are negatively affecting my credit score, which has, in turn, impacted my ability to obtain employment and transportation, thereby affecting my livelihood. 

Failure to Provide Documentation : Despite my request, Exeter Finance LLC has not provided the necessary documentation to verify the accuracy of the reported debt, including : Signed contracts or agreements related to the debt.

Verification of the last payment date and the amount received.

Documentation proving the issuance of a Form 1099-C.

Violation of Fair Credit Reporting Act ( FCRA ) : Under the FCRA, creditors are required to report accurate information to credit bureaus. Exeter Finance LLC has failed to comply with this requirement. 

Violation of Fair Debt Collection Practices Act ( FDCPA ) : I have requested that Exeter Finance LLC cease all collection activities until the requested documentation is provided. Their failure to do so constitutes a violation of the FDCPA. 

Requested Resolution : I demand that Exeter Finance LLC take the following actions within 30 days : Provide the requested documentation to verify the debt. 
Correct the inaccurate information reported to the credit bureaus. 
Cease all collection activities until the debt is validated. 
Next Steps : If Exeter Finance LLC fails to respond or provide the requested documentation, I will pursue further legal action, including filing a lawsuit to protect my rights. 

Attachments : Copy of the original letter sent to Exeter Finance LLC on XX/XX/XXXX. 
Copies of credit reports from XXXX, XXXX, and XXXX showing discrepancies. 
Please address this complaint promptly and confirm receipt of this letter. I look forward to your cooperation in resolving this matter. 

Sincerely, XXXX XXXX XXXX XXXX : Attorney XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX