Consumer complaint received 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Exeter Finance, LLC.
State: WA

Complaint narrative:
PRIVATE, CONFIDENTIAL, SPECIAL, AND IN CONFIDENCE NOTICE TO PRINCIPAL IS NOTICE TO AGENT. NOTICE TO AGENT IS NOTICE TO PRINCIPAL. 

This is a formal and lawful complaint against Exeter Finance, filed by XXXX XXXX XXXX, in the capacity of Executrix and real party in interest over the estate and private trust involved in this matter. Exeter Finance is reporting false, misleading, and materially injurious information on my credit report, despite having no lawful standing, authority, or contract supported by consideration. 

Exeter is incorrectly designating me as a debtor on an account that has already been : Discharged via Form 1099-C, confirming cancellation of any claimed indebtedness ; Transferred into a securitized trust, as shown through my XXXX chain-of-title audit, meaning Exeter no longer owns the asset XXXX And falsely reported as active, delinquent, or in default, which violates several federal statutes and executive orders. 

This matter does not involve a conventional consumer loan, but rather a private trust agreement. The original transaction lacked lawful consideration, full disclosure, and mutual assent rendering it void ab initio. I was unlawfully induced into providing a {$1000.00} down payment under the false pretense of a bilateral contract, when in fact the promissory note was used as the true collateral and monetized without my knowledge. The vehicle was then stolen from me via unlawful repossession, and sold, resulting in unjust enrichment by Exeter Finance. 
Exeter Finance is reporting a balance of {$17000.00} across TransUnion, Experian, and Equifax while simultaneously displaying a balance of {$17000.00} on its internal customer portal. These discrepancies prove the account is not properly validated or lawfully maintained. Furthermore, since Exeter Finance issued a Form 1099-C, they have no legal right to continue furnishing derogatory information to credit bureaus. Their behavior constitutes furnishing false and misleading credit information, violating 15 U.S.C. 1681s-2 ( a ), 1692e, and XXXX XXXX XXXX XXXX for operating without a state bond. These actions are deceptive, retaliatory, and harmful to my financial standing Furthermore, Exeter has : No bond on file with the Texas Secretary of State, as required under Texas Finance Code 392.101, to legally collect debt in the State of Texas ; Acted in willful violation of : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Furnishing inaccurate or unverifiable credit information ; 15 U.S.C. 1692e ( 8 ) Misrepresenting a discharged debt as active in consumer reports ; Executive Order 13924 Prohibiting creditors from reporting adverse information following debt discharge ( via 1099-C or charge-off ) ; And refused to identify the current note holder, creditor of record, or trust custodian.

I am the Executrix and authorized representative of the private express trust, and Exeter Finance has no standing to report this account. They are unlawfully attaching trust res to a commercial scheme while failing to disclose their role as third-party debt collectors with no verified bond, no verifiable claim, and no valid legal instrument to act upon. 

As a result of this conduct : I have been denied housing, employment, and transportation ; I have suffered emotional distress, financial hardship, and public injury ; I have been obstructed from accessing lawful commercial remedies and equitable relief. 
This matter will go forward to a Verified Notice of Fiduciary Breach and Demand to Cure pending a bill in equity due to the injuries sustained for over XXXX years as a family. I demand this be removed from my credit report and that I be given notice the account is PIF I will also be submitting a 3949. IRS prefer to investigation account share this account stay on this credit profile more than XXXX hours.

Company response to consumer: Closed with explanation