Consumer complaint received 2025-07-19 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: NC

Complaint narrative:
My rights as a consumer are being violated with this inaccurate information. I have the right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance! The one thing I won't tolerate is negative information. It doesnt matter if it's certified or not, what matters to me are the facts and truths of anything that may be going on with your company and the data you have concerning my credit profileThe credit report I received is not accurate which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards.Here 's my challenge for you : Make a document that shows all of the evidence for each claim and send it to me. It should be verified, complete and true! The 2020 CRRG states that any deviation from these standards jeopardizes the integrity of data. This is a serious issue! The integrity of your data could be compromised if these standards aren't followed.The report you sent me is not accurate. I'm unsure if the reporting process was done correctly or whether it's in proper format, so we can't say that your claims are accurate either way The following claims are controversial and have not been independently verified as true.Please remove any false accounts from my credit report. I am requesting that you take care of this as soon as possible so it does not affect me financially in the future. My credit report is my life. I want only factually accurate, verified and compliant. 
I am writing to dispute the inaccurate reporting of the account EXETER FINANCE LLC associated with number XXXX on my credit report. The account is currently listed as CollectionOrChargeOff, with an opening date of XXXX, a date of last activity noted as XXXX, and the last verified date being XXXX. This information is erroneous, and I request the immediate removal of this account from my report. 
In compliance with 15 U.S.C. 1681s-2, both creditors and credit reporting agencies are legally required to ensure that all information reported is accurate. Therefore, I request that you provide me with the verification methods used and any documentation to support the alleged {$0.00}, which I dispute. 
The importance of thorough verification is emphasized in Dennis v. BEH-1, LLC, 520 F.3d 1066 ( 9th Cir. 2008 ), where the court held that failure to conduct a reasonable investigation into disputed information constitutes a violation of the FCRA. The decision reinforced that the burden of accurate reporting lies with the agency, especially when a consumer raises a dispute. In another notable case, Johnson v. MBNA America Bank, 357 F.3d 426 ( 4th Cir. 2004 ), the court established that credit reporting agencies must perform an independent investigation and can not solely rely on information provided by the creditor. This sets a clear expectation that any inaccuracies, such as those on my report, should be corrected promptly. 
I trust you will address this matter with the urgency and thoroughness required by law. 
The document I have sent you includes my concerns about the accuracy and truthfulness of your reporting. The law requires that you follow certain procedures to ensure this, but according to what's required by both FCRA as well Metro 2 -- it needs certified compliant.

Company response to consumer: Closed with explanation