Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Exeter Finance, LLC.
State: IL

Complaint narrative:
This complaint serves as a formal and final dispute regarding the inaccurate and misleading information Exeter Finance has reported to one or more consumer credit reporting agencies concerning my personal credit file. Despite my multiple previous attempts to dispute and correct this information under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), the false data remains, causing continued and unjustified harm to my financial reputation.

This continued reporting of inaccurate information may not only violate the Fair Credit Reporting Act, but depending on the circumstances, may also fall under 18 U.S.C. 1001, which criminalizes the reporting by Exeter Finance.

Exeter Finance knowingly and willfully falsified, concealed, and covered up their inaccurate reporting by many tricks, and schemes, therefore making any material recovered by them false, fictitious, and fraudulent due to their malicious intent to cause harm and unjustified reporting to my financial credit file and reputation.

If you look at the contract you will see that the contract was signed XX/XX/year>, and first payment was due on or about XX/XX/year>. Exeter Finance is reporting that the first late payment was in the month of XXXX. That is impossible if first payment was due on the XXXX of every month starting XX/XX/year>. That would mean the vehicle was financed prior to XX/XX/year> and actually financed on XX/XX/year> and given the 45 days after signing of the contract to make first payment. That is the only way a payment can be late in XXXX and XXXX. The contract clearly states that the contract to finance the vehicle was XX/XX/year>. So how was the first payment late in XXXX and the second payment was late in XXXX. First payment was not late until XXXX XXXX which it states in the contract payment are considered late 10 days after due date. Exeter Finance deliberately falsified this payment history to seek more monetary value from their charge off and to tarnish my financial reputation. There is no explanation for this because in my first attempts to get accurate reporting Exeter Finance moved the payments they added after repossession from XXXX and XXXX to XXXX and XXXX. This type of behavior from Exeter Finance is unacceptable and criminal. You will also see the have an address not associated with my listed on the account there are reporting and it is as clear as day the correct address on the contract Removal of this account from my financial credit report is the only remedy. Exeter Finance can not be trust as a consumer reporting agency. They are liable to falsify more accounts and documentation for their financial gain. When doing the simple math based on the information they provided and the contract this account is reporting about {$8300.00} in inaccuracies.

Attached is all the supporting documentation including dates all reports were generated on how Exeter Finance has reported the payment history. You will also see them changing the account balance, past due balance, collecting interest and payments after repossession, and adding and removing payments and fees to benefit their financial gain and violating Fair Credit Reporting Act 15 U.S.C. 1681i, 5 U.S.C. 552a, and 18 U.S.C. 1001, and any other applicable statutes that they may have violated.

I reserve all rights under federal law, including but not limited to civil remedies under the Privacy Act ( 5 U.S.C. 552a ) and any other applicable statutes. If no timely or appropriate action is taken, I may refer this matter to the Office of the Inspector General, the Office of Special Counsel, or the U.S. Attorney General for further investigation.

Thank you for your immediate attention to this serious matter.

Company response to consumer: Closed with explanation