Consumer complaint received 2021-02-17
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Exeter Finance, LLC. (MS)

I have sent several letters requesting validation and verification of this debt and the original documents and methods used to verify this debt. My requests have repeatedly been ignored. I feel strongly that this company simply can not provide the original signed in wet ink documentation to legally verify this debt per the FCRA and thus they refuse to respond or delete the entry from my credit report. Judging by the numerous complaints on the XXXX website ( I also have a complaint there as well # XXXX ) as well as them having their accreditation stripped from them, i would be confident in assuming that they don't act in good faith when it comes to amicably solving simple issues like this one. I will enclose copies of some of the letters with return reciepts that I have sent to this company that I have still yet to receive any original signed wet ink contract from nor have i receive any methods by which they verified this deTo Whom this may concern : As I have not heard back from XXXX XXXX XXXX or any representative of said company in over 30 days since my second formal written notice of dispute dated XX/XX/2020 ( copy enclosed ), and since they have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.bt.

In a good faith effort to resolve the matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action, and correct any erroneous reports of this debt as mine. 

For the record, I state again : As I have no current valid account with XXXX, nor am I a customer, nor have I ever entered a valid contract with them, I must ask them to provide the following information : 1. Please evidence thier authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2. What is their authorization of law for your collection of information?

3. What is thier authorization of law for your collection of this alleged debt?

4. Please evidence their authorization to do business or operate in this state.

5. Please evidence proof of the alleged debt, including specifically the alleged signed in wet ink contract or other instrument bearing my wet ink signature.

This companies failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you placed this on my credit report ( s ) in error and that this matter is permanently closed. XXXX XXXX XXXX 's continued silence in this matter is unacceptable, not in good faith, not good business practices, and mirrors the many negative reviews and complaints from other consumers about how this company treats consumers. They should Either provide the proof, or correct the record and remove this invalid debt from all sources to which you have reported it to.