Consumer complaint received 2025-11-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Exeter Finance, LLC.
State: MO

Complaint narrative:
I am filing a new complaint against Exeter Finance LLC because my previous CFPB case ( reference : XXXX ) was not resolved, and the company failed to provide any legitimate proof that I opened, authorized, signed for, or am responsible for the account they continue to report under my credit file. This account does not belong to me, I did not authorize it, and I have filed an FTC Identity Theft Report documenting that this is fraudulent activity.

The information furnished by Exeter Finance remains false, unverifiable, and legally unsupported, yet it continues to appear on my credit report. Their prior response did not provide legally acceptable documentation, did not comply with the Fair Credit Reporting Act ( FCRA ), and did not meet the standards required in identity-theft-related disputes. Because the company failed to provide adequate validation and because the fraudulent account is still being reported, I am opening this new CFPB case to request full intervention, investigation, and removal. 

XXXX. Reason for the New Case : Prior Complaint Not Resolved My previous complaint resulted in Exeter Finance simply restating information about the accounts history but never proving that I opened the account. Their response included repossession details, notices, and account statements, none of which demonstrate that the account belongs to me. Instead of validating ownership, they provided a summary of the delinquency timelinesomething that does not prove that the consumer is responsible for the debt. 

Because the companys explanation did not satisfy the legal requirements for verification, and because Exeter ignored the arguments presented in my previous case, I am submitting a new complaint to request a full and proper resolution. The unresolved issues include : Failure to authenticate identity at origination Failure to provide proof of my signature Failure to show validated ID used at account opening Failure to provide application documents Failure to conduct a proper identity theft investigation Failure to honor my FTC Identity Theft Report Failure to block the fraudulent account under FCRA 605B Failure to provide a true Method of Verification These issues remain unresolved and therefore warrant a new CFPB case. 

XXXX. I Do NOT Own This Account I Never Signed Anything I want to clearly state again : I did NOT open an account with Exeter Finance LLC. 
I did NOT purchase the vehicle associated with this account. 
I did NOT apply for financing. 
I did NOT authorize anyone to use my identity. 

The vehicle listed, the loan, the payment plan, the repossession activity, and all related documents do not involve me in any way. I never had possession of the vehicle, never made payments, never signed a sales contract, and never initiated any transaction with Exeter. 

Whenever I requested verification, Exeter failed to provide : A signed contract proving I entered into an agreement Valid identification that matches me Supporting documents from the dealership Evidence of identity authentication practices The original application A verified, authenticated signature Any evidence that the signature was compared or validated Without such proof, there is no legal basis for Exeter to continue reporting this account. 

XXXX. I Filed an FTC Identity Theft Report After realizing that this account did not belong to me, I filed an official FTC Identity Theft Report, which is a sworn statement under federal law confirming that the account is fraudulent. Under the Fair Credit Reporting Act ( FCRA ), once an FTC report is filed, furnishers have specific legal obligations, including : Blocking the account under FCRA 605B Conducting a fraud-focused reinvestigation Providing evidence proving the account belongs to the consumer Reviewing identity documents, signatures, and origin records Ceasing all negative reporting until verification is complete Exeter Finance did not comply with these requirements. They continued to provide account details without addressing the identity theft claim. 

XXXX. Exeters Prior Response Did NOT Validate the Account Exeters previous explanation focused on : Loan origination date Vehicle information Assignment history Payment schedule Right to cure notices Repossession Sale date Deficiency balance notices These details show ONLY that the account existsnot that I created it. 

A company can not prove ownership through servicing history. None of these documents establish that I signed the contract or authorized the use of my identity. 

A legally compliant validation must include : The original financing application The dealers identity verification documentation A verifiable signature authentication Origination documents showing my ID Proof of address and identity confirmation Fraud-prevention procedures used at the dealership None of these were provided. 

XXXX. Exeter Ignored the Identity Theft Evidence Despite being notified of identity theft, Exeter failed to take the required steps. Under FCRA 605B, they must : Block the account Stop reporting until they verify Review the FTC report Provide documentation proving the account is mine Not reinstate the account without proper certification Exeter did not block the account. They did not provide documentation proving identity. They did not conduct a heightened fraud investigation. They instead relied on the existence of the account rather than evidence of my involvement. 

XXXX. Exeters Response Lacked Any Proof Linking Me to the Contract The companys response to the previous complaint did not include : Validated copies of my signature Authentication of the signature Dealer ID verification records The application used to obtain financing Matching identification documents Point-of-sale paperwork Confirmation that the dealership verified the borrowers identity Without these documents, Exeter can not legally assert that the account is mine. 

XXXX. This Account is Causing Ongoing Harm Because this fraudulent account continues to remain on my credit file, I have experienced : Lower credit scores Denials of credit applications Difficulty securing personal and financial opportunities Emotional distress Time lost disputing a debt I did not create Damage to my reputation as a responsible consumer This impact grows with every day the fraudulent account remains. 

XXXX. This Account Resembles a Classic Identity-Theft or Mixed File Case Several factors strongly indicate identity theft : A. I never opened the account. 
XXXX I never purchased the vehicle. 
XXXX The loan details do not match any of my financial history. 
XXXX I never received any legitimate communication from Exeter before this appeared on my credit report. 
XXXX No dealership records connect me to the purchase. 
XXXX The company can not provide identity documentation. 

Additionally, identity theft often involves : Unauthorized auto loan applications Fraudulent use of personal information Dealer-level verification failures Fake signatures False or stolen identification Based on these patterns, the account is clearly fraudulent. 

XXXX. Requested CFPB Enforcement I respectfully request that the CFPB intervene and enforce compliance. A fair resolution includes : XXXX. Requiring Exeter to provide actual proof that I opened the account. 

This proof must include : Signed contract with authenticated signature Verified identification used for financing Original application Dealership identity verification records Dealer paperwork Any internal fraud flags XXXX. If Exeter can not produce such proof, the account must be fully deleted. 
XXXX. Requiring a full FCRA 605B identity theft block. 
XXXX. Requiring a full manual reinvestigation by the bureaus. 
XXXX. Requiring compliance with FCRA 611 ( a ) ( 5 ) ( B ) to prevent reinsertion. 
XXXX. Requiring written confirmation of deletion from all bureaus. 
XXXX. Requiring Exeter to cease all negative reporting immediately. 
XXXX. Requiring Exeter to provide a complete Method of Verification.

This must include : How the account was verified The documentation reviewed Whether automated e-OSCAR was used Identity verification procedures The name and department of the individual who verified XXXX. Conclusion : This Account Must Be Removed This is a new case because the previous complaint failed to produce a lawful resolution and Exeter did not provide verification proving that I am responsible for this account. I did not open this account, I did not authorize it, I filed an FTC Identity Theft Report, and Exeter has failed to comply with FCRA requirements. 

Therefore, a fair outcome is the full deletion and permanent removal of the fraudulent Exeter Finance account, with written confirmation from all three credit reporting agencies. 

Thank you for reviewing my complaint and assisting with the resolution of this identity-theft-related matter.

Company response to consumer: Closed with explanation