Consumer complaint received 2025-07-05 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: GA

Complaint narrative:
XXXX XXXX XXXX The XXXX XXXX, GA XXXX SSN ( last XXXX ) : XXXX : XX/XX/XXXX XX/XX/XXXX Exeter Finance LLC Attn : Chief Compliance Officer XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX : XXXX Re : Account # XXXX Formal Dispute, Cease & Desist, and Demand for Deletion Dear Chief Compliance Officer : I recently applied for an auto loan and was denied creditand have suffered severe emotional distresssolely because of the inaccurate, inconsistent, and misleading tradeline you continue to furnish to XXXX XXXX XXXX I hereby dispute, under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), and demand that you : Cease and desist all communications regarding this debt under the FDCPA ( 15 U.S.C. 1692c ( c ) ), Delete the tradeline in full from all consumer reporting agencies within 10 business days, or Provide a XXXX XXXX reinvestigation report that fully validates every data point. 
Material Reporting Violations Field XXXX XXXX Violation ( FCRA ) Date of Last Activity XX/XX/XXXX XX/XX/XXXX Inconsistent dates ( XXXX ( b ) ) Date Reported XX/XX/XXXX XX/XX/XXXX Conflicting furnish dates ( XXXX ( b ) ) Closed Date XX/XX/XXXX XX/XX/XXXXXXXX XXXX closure dates ( 1681e ( b ) ) Payment Status Charged off as bad debt Charge-off Misleading status descriptions ( 1681e ( b ) ) Creditor Remarks Account previously in dispute now resolved reported by subscriber Omitted vs. added remarks ( 1681e ( b ), 1681i ) Payment Amount {$0.00} Incomplete data ( 1681e ( b ) ) Credit Limit {$0.00} Missing credit-limit info ( 1681e ( b ) ) Payment History NONE REPORTED 24 consecutive CO months One-time event misrepresented ( 1681s-2 ( b ), 1681i ) Harms & Legal Basis Emotional & Physical Distress : My vehicle was repossessed from within my gated communitywithout proper noticecausing nightmares, repeated doctor visits, and missed work. 
Denial of Credit : I remain unable to secure financing because lenders rely on your inaccurate data. 
FCRA Violations : Your failure to report uniform, accurate, and complete information breaches 1681e ( b ), 1681i and 1681s-2 ( b ).

FDCPA Violation : Conducting a self-help repossession without notice violates 1692f ( 6 ), as you took my property without consent or court order. 
Demand for Deletion Within XXXX business days of receipt, you must : Delete Account # XXXX from my XXXX XXXX XXXX XXXX files ; and Provide written confirmation of each deletion date. 
If unable, furnish a XXXX XXXX reinvestigation report validating each disputed field, including documentation of any repossession and charge-off. 

Consequences of Non-Compliance If you fail to comply : I will invoke binding arbitration under my finance agreement by filing a Demand with the ICDR ( XXXX ), XXXX XXXXXXXX XXXX XXXX XXXX XXXX NY XXXX ( XXXX XXXX 
I will file complaints with the CFPB, FTC, and Georgia Attorney General for ongoing FCRA/FDCPA violations. 
I will seek statutory damages under FCRA 616617 ( up to {$1000.00} per violation ), punitive damages, and attorneys fees. 
I expect your immediate written confirmation of deletion. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau Georgia Attorney Generals Office

Company response to consumer: Closed with explanation