Consumer complaint received 2025-12-02 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: LA

Complaint narrative:
I am submitting this comprehensive written response to address the continued reporting and collection activity related to an alleged auto finance account that you claim was originated with Exeter Finance. I am writing to state clearly, directly, and unequivocally that I do not own this account, I did not authorize this account, I did not sign any contract associated with this account, I did not obtain or possess the vehicle associated with this alleged loan, and I dispute the validity of this account in its entirety. I have also filed an FTC Identity Theft Report, which legally establishes that any account believed to be fraudulent must not continue to be reported unless the furnisher can provide absolute proof of legitimacy. 

This is not the first time I have raised this issue. A previous CFPB complaint ( Case # XXXX ) was filed regarding this same matter, but the case was closed without resolution and without Exeter Finance providing the documentation required under federal law. Because the issue remains unresolved, because Exeter continues to report inaccurate information to the credit bureaus, and because I have still not been provided with original, signed, verifiable documentation proving ownership of this account, I am now creating a new case with the CFPB, escalating this matter further, and providing this detailed XXXX response to make the facts absolutely clear. 

This letter functions both as a formal dispute and as a legal notice of identity theft, in accordance with the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the FTC Identity Theft Rules. 

I. I DO NOT RECOGNIZE, OWN, OR HAVE ANY CONNECTION TO THIS ACCOUNT The account you referencedconnected to a XXXX XXXX XXXX, including alleged delinquency, repossession, and deficiency balancedoes not belong to me. I have never applied for financing with Exeter Finance. I did not sign any documents for the purchase of this vehicle. I have never had possession of this vehicle, and I have no knowledge whatsoever of the transactions or communications you are referencing in your letter. 

Nothing provided in your correspondence shows : My verified identity My valid signature A purchase contract signed by me Any proof that I took possession of the vehicle Any proof that I ever made payments Any acknowledgment that I opened, used, or benefited from this alleged account For an account to legally belong to me, there must be a clear chain of evidence connecting my identity to the contract, the vehicle, and the alleged debt. There is no such evidence. Therefore, I dispute the account in full. 

XXXX. I HAVE FILED AN FTC IDENTITY THEFT REPORT Due to the seriousness of the situation and the potential misuse of my identity, I filed an FTC Identity Theft Report. This filing formally notifies all furnishers, including Exeter Finance, that the account is being disputed on the basis of identity theft. Under the FCRA, when a consumer submits an FTC Identity Theft Report : The furnisher must block reporting unless they can provide documentation proving legitimacy. 

The furnisher must immediately stop collection efforts during investigation. 

The furnisher must provide original-source documentation, not internal summaries. 

The furnisher may not continue reporting unverifiable data. 

Because I have filed this report, Exeter Finance is prohibited from continuing to furnish this account unless it can provide actual, verifiable proof that I opened and authorized the account. You have not done so. 

XXXX. DOCUMENTS YOU PROVIDED DO NOT PROVE OWNERSHIP You supplied several documents, including : Notices of delinquency Deficiency calculations Notices of repossession Transfer-of-account letters Internal statements prepared by Exeter Copies of generic loan agreements None of these documents prove ownership or authorization. The documents you provided only demonstrate activity on an accountactivity that could have been performed by any person, not necessarily me. Internal notices and statements do not legally establish that I am the person who opened or agreed to the loan. 

A valid ownership verification must include : A fully executed contract/retail installment agreement containing my authentic signature. 

Original proof of identity verification used at origination ( ID scan, drivers license, etc. ). 

IP address and digital signature logs if the contract was signed electronically. 

Proof I took possession of the vehicle. 

Evidence that all communications were made to me directly. 

You provided none of the above. 

What you sent merely shows the timeline of an account that may have been opened by someone else using my informationor by a clerical or reporting error. Without proper documentation, you can not attribute this account to me. 

IV. EXETER FINANCES OBLIGATIONS UNDER FEDERAL LAW Under FCRA 623, furnishers must : Report accurate information Conduct a reasonable investigation Provide verification upon request Cease reporting unverifiable accounts Mark an account as disputed Exeter Finance has failed to comply with multiple sections, including : 1. FCRA 623 ( a ) ( 3 ) : Not marking the account as disputed in all reporting systems. 
XXXX. FCRA 623 ( b ) ( 1 ) : Failing to provide documentation that proves accuracy. 
XXXX. FCRA 604/605B : Ignoring identity theft documentation. 
XXXX. FCRA 611 : Failing to validate the account or provide a Method of Verification. 

Continuing to report an unverified account is a violation of the FCRA. 

V. PRIOR CFPB CASE WAS CLOSED WITHOUT RESOLUTION The previous complaint ( CFPB XXXX XXXX ) was closed without Exeter resolving the dispute. The company did not validate the account, did not provide proof of ownership, and did not provide documentation required under federal law. 

Because Exeter failed to address the issue, and because the account remains on my credit report despite being fraudulent and unverifiable, I am creating a new CFPB case to escalate this issue and ensure regulatory oversight. 

This letter will be included in the new CFPB filing. 

VI. REQUESTS FOR A FAIR AND LEGALLY COMPLIANT RESOLUTION To resolve this matter legally and fairly, Exeter Finance must : XXXX. Immediately cease all collection activity. 

You can not attempt collection on an account that is disputed as identity theft unless you provide proof of ownership. Continuing collection attempts violates FDCPA 805 ( c ). 

XXXX. Permanently delete the account from all three credit bureaus. 

If you can not provide a signed contract with my verified signature, federal law requires deletion. 

XXXX. Block all negative information under FCRA 605B. 

My FTC Identity Theft Report requires you to block the account unless you can prove the account is not fraudulent. 

XXXX. Provide original documentation. 

This means actual signed contractsnot summaries, notices, or statements. 

XXXX. Provide a Method of Verification. 

You must disclose how you verified this account, including : Name of the person who verified it Documents reviewed Systems used Verification process XXXX. Stop transferring, selling, or assigning this account. 

Identity-theft accounts can not legally be sold or reassigned during dispute. 

XXXX. Provide written confirmation of all corrective actions. 
XXXX. CONTINUED REPORTING WITHOUT PROOF CAUSES HARM Your continued reporting of this fraudulent account has caused : Significant credit damage Higher interest rates Denial of credit Emotional stress Financial consequences These harms continue daily as long as the account remains. 

XXXX. I AM REQUESTING CFPB INTERVENTION IMMEDIATELY Because the previous CFPB case was closed without Exeter resolving the issue, and because you continue to report this fraudulent account despite a lack of verification, I am escalating this matter with a new CFPB case and attaching : This XXXXword response My FTC Identity Theft Report My identity-theft affidavit All prior correspondence Proof of ongoing damage The CFPB will now evaluate Exeters actions and determine whether further regulatory action is warranted. 

XXXX. SUMMARY OF MY POSITION To summarize : I do not own this account. 

I did not authorize this loan. 

I did not sign any valid contract. 

I did not possess the vehicle. 

I filed an FTC Identity Theft Report. 

Exeter provided no valid proof of ownership. 

The documents provided do not establish liability. 

Continued reporting violates FCRA, FACTA, and FDCPA. 

I am creating a new CFPB complaint because prior XXXX # XXXX was closed without resolution. 

I expect Exeter to follow federal law, remove the account, stop reporting unverifiable data, and respond in writing confirming that the fraudulent account has been deleted. 

X. FINAL DEMAND If you can not provide original, fully executed, legally valid documentation proving beyond doubt that I opened this account, you must : Delete the account Stop all collection attempts Stop reporting to credit bureaus Confirm in writing No further discussion is necessary unless you furnish such documentation.

Company response to consumer: Closed with explanation