Consumer complaint received 2025-08-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Exeter Finance, LLC.
State: TN

Complaint narrative:
Subject : Formal Complaint Against Exeter Finance LLC Unauthorized Disclosure, Contract Dispute, and Unlawful Repossession To Whom It May Concern, I am submitting this complaint to report multiple violations by Exeter Finance LLC, including unauthorized disclosure of my personal information to third parties, unlawful repossession of my vehicle, failure to respond to legal notices, and continuous enforcement without a valid contract.

-- - Timeline and Facts : XXXX. On XX/XX/XXXX, I sent a Rescission of Signature and Cease and Desist Notice to Exeter Finance LLC regarding an alleged vehicle finance account. This notice made clear that : I did not have a valid contract with Exeter Finance directly, Exeter had 21 days to respond or rebut my legal notice, And all further communication or enforcement actions regarding the alleged account must cease unless properly rebutted. 



XXXX. Exeter Finance did not respond within the 21-day period and failed to provide : Any signed contract between myself and Exeter, Any legal rebuttal to my rescission, Or proper verification under federal consumer law. 



XXXX. Despite this, on XX/XX/XXXX, Exeter Finance contacted me again, issuing a Right to Cure notice well beyond the 21-day response period in direct violation of my cease and desist. This continued communication occurred without resolving the legal dispute or addressing the absence of a valid contract. 


4. Without any further notice or resolution, on XX/XX/XXXX, Exeter Finance repossessed my vehicle. They did so by sharing my personal and private information ( including my address and vehicle location ) with third-party agents, including : A company called Loss Prevention, and A towing company called XXXX XXXX XXXX. 




I never gave Exeter Finance consent to share my information with these parties, and I had already rescinded my signature and authority to enforce any agreement. This action represents a clear breach of my rights under federal law and an abuse of personal data.

-- - Violations Involved : Gramm-Leach-Bliley Act ( GLBA ) : Unlawful sharing of my personal, nonpublic information with third parties without my knowledge or consent.

Truth in Lending Act ( TILA ), 15 U.S.C. 1635 : Exeter failed to respond to my rescission and continued to act as if the loan was enforceable.

Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ) : Continued communication after receiving a cease and desist notice.

12 CFR 1026.13 : Engaging in enforcement ( repossession ) while a dispute and billing error was active. 

Contract Law / Arbitration Clause Breach : The original retail installment agreement required disputes to be resolved through arbitration. Exeter bypassed this clause by repossessing my vehicle directly, instead of resolving the issue through the agreed-upon process.

-- - Requested Resolution : 1. Investigate Exeter Finances actions related to unauthorized third-party sharing of my information.

2. Review whether Exeter had legal standing to repossess the vehicle after receiving a rescission and failing to respond.

3. Require Exeter to disclose all parties they shared my personal information with and under what authority.

4. Order removal of any negative credit reporting or collections tied to the unlawful repossession.

5. Impose penalties or sanctions for Exeters violations of federal law.

6. Require Exeter to issue full restitution for the value of the vehicle and any damages suffered. 





This complaint is submitted in good faith. I am simply seeking transparency, accountability, and relief under the protections of federal consumer law.

Company response to consumer: Closed with explanation