Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Exeter Finance, LLC.
State: NJ

Complaint narrative:
XXXX XXXX XX/XX/year> Exeter Finance LLC XXXX XXXX XXXX XXXX, XXXX  XXXX Re : Account Number XXXX To Whom It May Concern : This letter serves as a formal demand for the removal of my account from your records and the immediate cessation of all reporting activities related to this account, which is currently in a **charge-off status**. This demand is based on your failure to provide a XXXX form** as required by the XXXX XXXX XXXX ( XXXX  ) XXXX, as well as your failure to validate the alleged debt, provide the chain of debt ownership, and furnish original documentation as required by the **Fair Debt Collection Practices Act ( FDCPA ) **, **15 U.S.C. 1692g**, and other applicable laws. 

**Failure to Provide a XXXX Form** Under XXXX XXXX, creditors are required to issue a XXXX form** to debtors when a debt is canceled, forgiven, or discharged. If the debt in question has been charged off or otherwise discharged, you are legally obligated to provide me with a XXXX form. Your failure to do so constitutes a violation of federal tax laws and raises serious questions about the legitimacy of the debt. 

**Failure to Validate the Debt** Pursuant to the **FDCPA, 15 U.S.C. 1692g**, I am entitled to request validation of the alleged debt, even though it is in a charge-off status. This includes, but is not limited to : XXXX. Proof of the original debt, including a signed contract or agreement. 
XXXX. A detailed accounting of the debt, including the principal balance, interest, fees, and any other charges. 
XXXX. Documentation establishing the chain of custody of the debt, demonstrating that your entity has the legal right to report or collect on the debt. 

To date, you have failed to provide any of the required documentation, which calls into question the validity of the debt and your legal authority to report it. 

**Failure to Provide Original DocumentationXXXX Under the **FDCPA** and state consumer protection laws, I am entitled to request and receive original documentation verifying the debt. This includes, but is not limited to, the original creditors name, the amount of the original debt, and any assignments or transfers of the debt. Your failure to provide this information further invalidates any claim you may have regarding this alleged debt. 

**Demand for Removal of Account** Based on your failure to comply with federal and state laws, I hereby demand that you : XXXX. Immediately remove my account from your records and cease reporting it to any credit reporting agencies. 
XXXX. Provide written confirmation of the removal of my account within XXXX days** of receipt of this letter. 

**Legal Consequences of Non-Compliance** Failure to comply with this demand will result in the filing of complaints with the XXXXConsumer Financial Protection Bureau ( CFPB ) **, the **Federal Trade Commission ( FTC XXXX XXXX, and the **Internal Revenue Service ( IRS ) XXXX XXXX as well as pursuing legal action for violations of the **FDCPA**, XXXX, XXXXFair Credit Reporting Act ( FCRA ) **, and applicable state laws. 

This letter is not an acknowledgment of the debt, nor does it waive any of my rights under federal or state law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation