Consumer complaint received 2024-02-23
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Exeter Finance, LLC. (IL)

I am a victim of identity theft Please Investigate this matter as soon as possible. 
In accordance with the FCRA, everything has to be 100 % accurate. 
Exeter Finance stated my accounts was properly investigated but it can not be possible if the Exeter account IS NOT MINE. The addresses and phone numbers associated with the Exeter account does not belong to me and they are not associated with the accounts. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
I am requesting a thorough investigation along with Exeter 's method of verification. The item in question is inaccurate and represents a very serious reporting error. If not, I expect this item will be removed from my credit report with XXXX, XXXX, and XXXX. 
I attempted to buy a car in XX/XX/XXXX and was denied. 
I reviewed my credit report and saw an account for Exeter Finance. THIS ACCOUNT IS NOT MINE. 
I called Exeter Finance multiple times to try to rectify the issue and to provide documents. The representative at Exeter provided an account number associated with the debt and information how to set up an account on their portal. Exeter provided an address associated with the account at XXXX XXXX XXXX XXXX XXXX, TN XXXX. I have never been to, lived in, or had a valid ID or drivers license for the state of Tennessee. The address on file with Exeter is not associated with any of the accounts on file with the credit reporting agencies ( XXXX, XXXX and XXXX ). I have never requested my mail be forwarded to that address via USPS. According to XXXX, the address is for a car dealership named XXXX. One can not live at a business establishment. Exeter also has a phone number that I am not and have never been associated with. If Exeter Finance can not verify the accuracy of the information or validate the debt, the information should stop reporting it to the credit reporting agencies. 
I have made several phone calls to Exeter informing the representatives that I have been a victim of identity theft multiple times. I have explained multiple times that I have filed an identity theft report with the Federal Trade Commission in early XXXX and late XXXX. 
Exeter Finance mailed a letter to me stating they conducted an investigation related to Identity Theft using " some '' of my personal information. My information is on the dark web. Exeter has not provided the procedure they used to investigate. I have also filed 2 police reports and multiple identity theft reports. 
( 1 ) The signature on the contract for XXXX with Exeter Finance is not mine. If Exeter truly did an investigation, they would have compared my signature on the multiple letters I have mailed to them to the signature on the documents with Exeter Finance at the very least. I owned a XXXX XXXX at the time the contract was sign. It was also registered with the Georgia DMV. 
( 2 ) I have never lived at the addresses on file with Exeter Finance. 
( 2a ) The address on the contract is XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, Georgia. In XXXX, I rented a room at XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Georgia for 2 months. in XXXX, my driver 's license was stolen along with my cell phone. On XX/XX/XXXX I was victim of internet crime on several occasions and completed a Complaint Referral Form with the Internet Crime Complaint Center while living at XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Georgia. Attached to this dispute is proof that I did not live at the address on the contract with Exeter Finance. Both incidents occurred prior to the date of the contract. 
( 2b ) I have never lived at the address Exeter Finance has mailed correspondence to. According to an Exter Finance representative, they sent multiple letters to XXXX XXXX XXXX XXXX XXXX, TN XXXX. I XXXX  the address. It belongs to a car delivery named XXXX. I have never lived at that address. I have never requested my mail be forwarded to that address via USPS. If Exeter did a proper investigation, they could have at least XXXX  the address. 
I believe my rights have been violated under FCRA. FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information. Any automated response or XXXXXXXX  verification is unacceptable.