Consumer complaint received 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Exeter Finance, LLC.
State: KY

Complaint narrative:
AFFIDAVIT OF FRAUDULENT ACCOUNTS CREDIT DISPUTE State of Kentucky I, XXXX XXXX, born XX/XX/XXXX, residing at XXXX XXXX XXXX XXXX, KY XXXX, being duly sworn, depose and state as follows : XXXX. Personal Information Name : XXXX XXXX Date of Birth : XX/XX/XXXX Social Security Number : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX KY XXXX XXXX. Purpose of This Affidavit This affidavit is submitted to XXXX XXXX XXXX and EXETER FIN as an urgent matter to dispute and request the immediate removal of fraudulent accounts, inquiries, and addresses listed below from my consumer credit report. 
A copy of my government-issued identification is attached as verification of my identity.

3. Statement of Facts I intend to challenge a dispute with an FTC report for the items listed below as fraudulent.

Please remove all from my credit report.

In accordance with the Fair Credit Reporting Act ( FCRA ), the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. These items have violated my rights.

4. Legal Basis and Federal Law 15 U.S.C. 1681 Section 602 ( a ) : States I have the right to privacy.

15 U.S.C. 6802 Obligations with respect to disclosures of personal information ( a ) Notice requirements A financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information unless such financial institution provides notice that complies with section 6803. ( b ) Opt-out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless : ( A ) The institution clearly and conspicuously discloses to the consumer that such information may be disclosed ; ( B ) The consumer is given the opportunity to direct that such information not be disclosed ; and ( C ) The consumer is given an explanation of how to exercise that nondisclosure option.

15 U.S.C. 1681 Section 604 ( a ) ( 2 ) : States that a consumer reporting agency can not furnish a report or account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) : States that no consumer reporting agency may make any report containing adverse information older than seven years.

15 U.S.C. 1681s-2 ( a ) ( 1 ) : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
XXXX. Fraudulent Account to Be Removed EXETER FIN Account # XXXXXXXX XXXX Opened XX/XX/XXXX XXXX. Request for Action I formally request the immediate deletion and permanent suppression of all fraudulent accounts and addresses listed above. 
Under FCRA Sections 609 and 611, failure to properly investigate and respond within 10 days of receipt of this certified affidavit may result in legal action, including but not limited to a small claims or federal complaint seeking statutory and punitive damages.

8. Verification I declare under penalty of perjury under the laws of the United States of America that the foregoing statements are true, accurate, and complete to the best of my knowledge and belief. 
Date : XX/XX/XXXX By : XXXX XXXX ( Social security card is attached below )

Company response to consumer: Closed with explanation