Consumer complaint received 2025-11-17 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Exeter Finance, LLC.
State: CA

Complaint narrative:
Via Certified Mail Return Receipt Requested XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Demand for Immediate Redress : Dealer Fraud, Misrepresentation, Statutory Violations, and Credit Report Injury Litigation and Regulatory Action Imminent Title/Lien Release Dear XXXX XXXX XXXX XXXX XXXX  XXXX This letter serves as a final and formal demand for immediate relief following egregious violations by your dealershipincluding fraudulent misrepresentations, concealment of material facts, illegal contract practices, and direct injury to my credit profile. Your actions have caused substantial financial harm, legal liability, and lasting injury to my credit reputation. 
Dealer Fraud, Misrepresentation, and Statutory Violations Fraud and Misrepresentation : Your representatives knowingly misstated or failed to disclose essential contract terms, fees, and optional products, in violation of California law. Your conduct satisfies every legal element of fraudulent misrepresentation, including material misstatement, reliance, and resulting damages.

CLRA ( Civil Code 1750 et seq. ) : Concealing or misrepresenting product terms, fees, or cancellation rights is unlawful. I am demanding all available damages, including punitive.

Unfair Competition Law ( Bus. & Prof. Code 17200 ) : Your misconduct constitutes unlawful, unfair, and fraudulent business practices, exposing you to restitution and penalties.

Truth in Lending Act ( TILA ) : You have failed to disclose true loan terms, bundled and mischaracterized mandatory versus optional items, and misrepresented the true cost of financing. Federal strict liability applies ; I demand full statutory and actual damages, recession, and attorneys fees. 
Breach of Contract/Warranty, Vehicle Code Violations, CARS Act Violations : Your refusal to honor my contract rights and your statutory failures further increase your liability. 


Injury to My Credit Report and Standing Beyond the statutory violations above, your actions have created a concrete and harmful injury to my credit report : Falsifying income or other application details, misrepresenting my credit to lenders, or engaging in XXXX XXXX has directly led to derogatory marks, risk of default, and a lasting negative impact on my credit profile. 
The intentional or negligent submission of false information to lenders or credit bureaus constitutes a violation of the Fair Credit Reporting Act ( FCRA ), and exposes you to liability for actual and statutory damages for each instance of harmespecially where such information has been disclosed to third parties and resulted in damage I am entitled to monetary damages for any loan denial, emotional distress, increased cost of borrowing, or other losses directly attributable to your conduct. I will also demand correction of all negative or inaccurate credit report entries resulting from this transaction. 
Immediate Demands Rescission, Refund, and Title/Lien Release : Immediate cancellation of all contracts, add-ons, and unlawful products, plus full restitution of payments and deletion of any adverse credit entries.

Damages : Written confirmation of your agreement to pay all statutory, actual, and punitive damages as provided under relevant federal and state statutes for fraud, credit injury, and contract breaches. 
Attorneys Fees and Costs : Acceptance of responsibility for all legal costs incurred Written Resolution within XXXX Calendar Days : Failure to comply will trigger immediate legal action, regulatory complaints, and public exposure of your unlawful business practices. 
Notice of Imminent Litigation and Regulatory Action Should your dealership fail to comply in full within 10 days, I will immediately initiate civil litigation seeking maximum damages for fraud, statutory violations, and injury to my credit reputation, as well as complaints to : California Department of Consumer Affairs California DMV California Attorney General Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) Any future disclosure of false or adverse information by your dealership to lenders or credit bureaus will further escalate your legal and regulatory liability under the FCRA, TILA, CLRA, and related California statutes. This is your final opportunity to resolve this matter and avoid the full consequences of your unlawful conduct. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation