Consumer complaint received 2024-11-18 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: FL

Complaint narrative:
From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My Date of birthday is : XXXX XXXX. 
My Social Securite Number 's is : XXXX Phone Number is : ( XXXX ) XXXX Final Notice Unresolved Dispute of Inaccurate Information on Credit Report under FCRA, TILA, and PAANL Dear CFPB and EXETER FINANCE LLC This letter serves as a final attempt to resolve an unresolved dispute regarding inaccurate and misleading information that continues to be reported on my credit file.

Despite my previous correspondence dated XX/XX/XXXX, Case Number : XXXX in which I formally disputed the credit report inaccuracies that XXXX reports to the CRAs, XXXX continues to report incorrect and missing data on my credit report, my EXETER FINANCE LLC account number is : XXXX This issue remains unresolved, this ongoing inaccuracy has caused significant damage to my credit score and reputation. Despite providing clear documentation and requesting corrections, the errors have not been rectified. This failure to act constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, which mandate that credit reporting agencies and information furnishers ensure maximum accuracy in reports and correct inaccuracies promptly.

EXETER continues to report inaccurate, misleading information to XXXX and XXXX, and still does not complete missing information that should be reported, such as BALANCE HISTORIES. It is worth mentioning that this account was removed from XXXX for not complying with the FCRA and being reported with errors that Exeter is not able to correct. 

EXETER FINANCE LLC claims to report information to the three major agencies ( CRAs ) XXXX, XXXX and XXXX, this is totally false, XXXX removed this account from my credit report for presenting obvious inaccuracies and XXXX could not correct the errors mentioned and even though the main agencies ( CRAs ) XXXX, XXXX and XXXX operate and have separate policies, they must all, including lenders, comply with the ( FCRA ) BECAUSE THE LAW REQUIRES IT. ( Prioritize maximum precision and accuracy in my credit reports ) Additionally, the Truth in Lending Act ( TILA ) and the Protection Against Non-Payment of Obligations Act ( PAANL ) emphasize the need for accurate reporting and require creditors to provide timely and accurate billing statements, which has not occurred in my case. Legal Implications I am invoking 15 U.S. Code 1681n and 15 U.S. Code 1681o, which establish civil liability for willful or negligent noncompliance with the FCRA. I am fully prepared to pursue legal action to seek damages, including legal costs, should this matter not be resolved immediately.

In the statement that Exter sent me there are obvious errors and I mention them below.

1-Exeter in the statement that you sent me, reports that the account was opened on XX/XX/XXXX but in XXXX it reports that it was opened on XX/XX/XXXX, which is the c

orrect?, There can only be one opening date, please correct this or delete the entire account. 2-Exeter in the statement that you sent me reports twice
the same payment date XX/XX/XXXX for an equal amount of {$390.00}, this is an error, correct this or delete the entire account.

3-Exeter in the statement that you sent me does not report the payment date for XX/XX/XXXX, this information is incomplete, the month of XX/XX/XXXX is missing, please correct this or delete the entire account. 

4-Exeter in the statement that they sent me reports a payment for XX/XX/XXXX of {$380.00} but that same month on XX/XX/XXXX it reports a ( late payment ) and a late fee of {$19.00}, why do you report false information? Your own statements say that I made a payment on XX/XX/XXXX, I demand that the late payment be corrected or delete the entire account.

5-Exeter in the account statement you sent me does not report the payment date for the month of XX/XX/XXXX, but reports to XXXX and XXXX a late payment of 30 days, why do you report unverified information? This information is incomplete, the month of XX/XX/XXXX is missing in the statement you sent me, please correct that XXXX late payment in the ( CRAs ) or delete the entire account.

6-Exeter, in the statement you sent me, you do not report a late payment for XX/XX/XXXX, why do you inform the ( CRAs ) XXXX and XXXX that for XX/XX/XXXX I have a 30-day delay? You are reporting false and misleading information, damaging my credit report and my integrity, update the late payment to payment on time or delete the entire account 7-Exeter in the statement that you sent me does not report the payment date for XX/XX/XXXX, this information is incomplete, the month of XX/XX/XXXX is missing, please correct this or delete the entire account. 

8-Exeter, on the statement you sent me, you report two payment dates for XX/XX/XXXX, one for the amount of {$390.00} and another is empty, why are there two payment dates on the statement? Which one is correct? You are reporting duplicate information, fix this or delete the entire account.

9-Exeter in the statement you sent me you report that on XX/XX/XXXX the account was paid for {$14000.00} but in the same statement that you sent me you report that the original balance and principal was XXXX, even after having paid 11 months of the letter, it simply does not make sense, you continue reporting false and misleading information, why was the last payment more than the original loan? Correct this or delete the entire account.

10-Exeter in the statement you sent me the Principal Balance Amount was never updated, despite having paid the monthly payment for 11 months, the principal balance always remained at {$13000.00}, this is an error and outdated information, I demand that you delete all accounts immediately.

11-Exeter in the statement that they sent me reports that my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX, the apartment number is incorrect, I attach my proof of Florida ID where I show that my apartment is not XXXX, my apartment has always been XXXX. I demand that the account be deleted immediately.

The statement that EXETER sent me should not only be kept by them, it is also to share it with the ( CRAs ) and guarantee the maximum precision when doing so. Why does EXETER not report the information that it sent me to XXXX or XXXX? Why are they not able to fill out all the required fields, such as the Balance Histories? I am attaching evidence directly from Experian where I show that the Balance History was deleted by EXETER.

I have tried on countless occasions to correct the errors that I expose in this dispute, but EXETER does nothing about it, making this violation of my rights as a consumer deeper and deeper. I demand that all the missing fields in XXXX and XXXX be filled out, Example : ( BALANCE HISTORIES ) and that the inaccurate or incomplete information in my XXXX and XXXX reports be corrected, report all the information with the maximum precision to the ( CRAs ) or delete the entire account.

Additionally, I will proceed with legal action to recover any damages resulting from this prolonged inaccuracy in my credit report. Please confirm in writing that this information has been corrected and that my credit report has been updated to reflect accurate data. I look forward to your prompt attention to this matter.

Sincerely XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation