Consumer complaint received 2025-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
Re : Demand for Chain of Assignment and Account-Level Documentation Under FCRA Account Number : XXXXXXXX XXXX XXXX Date of Last Payment : XX/XX/XXXX Reported Balance : {$0.00} XXXX XXXX Dear Sir or Madam, I am writing to formally request the chain of assignment and complete account-level documentation related to the above-referenced account, which EXETER FIN XXXXXXXX XXXX XXXX  is currently reporting on my credit file with a balance of {$0.00} and a last payment date of XX/XX/XXXX. 

This request is made pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681g ( a ) ( 1 ) and 1681i ( a ), which entitle me to all information contained in my consumer file, including the sources of that information. Under 15 U.S.C. 1681s-2 ( b ), EXETER FIN is also required to conduct a reasonable investigation of any dispute and ensure that all reported information is accurate, complete, and verifiable.

I have not received adequate documentation verifying that EXETER FIN has the legal right to report or collect on this account. Therefore, I am formally requesting the following : A complete chain of assignment, including all bills of sale, transfer agreements, or assignment documentation from the original creditor to EXETER FIN ; A copy of the original contract or agreement bearing my signature ; A full account history including payments, interest, fees, and any balance changes ; Any notices of assignment or transfer of servicing sent to me as required by law.

Illegal Reporting Without Contract or Original Creditor Authorization Federal law prohibits the furnishing or reporting of consumer debt that is not originated by the reporting entity and for which no valid contract with the consumer exists. The FCRA and FDCPA both prohibit the reporting of unverified, inaccurate, or misleading information to credit reporting agencies. See XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX where the court held that reporting debt without a valid assignment or documentation is a violation of consumer protection laws. 

Even though the current reported balance is {$0.00}, the account tradeline must still be verifiable, accurate, and not misleading, especially if it impacts creditworthiness due to payment history, charge-off status, or remarks. 

Demand for Documentation Please provide the following documentation within 30 days of receipt of this letter : Verified and complete chain of assignment ; Copy of the original agreement or contract establishing the alleged debt ; Full transaction ledger or account history ; All notices of assignment or transfer of servicing ; Any materials relied upon in furnishing this account to credit bureaus. 

Preservation of Evidence EXETER FIN is hereby instructed to preserve all records, electronic data, communications, and internal notes related to this account. Destruction or alteration of any related evidence may result in legal sanctions for spoliation.

Failure to comply with this request or the continued reporting of unverifiable data may result in legal action under the FCRA, FDCPA, and applicable state laws. Potential liabilities include actual damages, statutory damages, punitive damages, and attorneys fees and costs, pursuant to 15 U.S.C. 1681n, 1681o, and 1692k.

All responsive materials should be sent to the address provided above. 

Govern yourselves accordingly.

Company response to consumer: Closed with explanation