Consumer complaint received 2026-01-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
Consumer : XXXX XXXX Email : XXXX Phone : XXXX Location : XXXX, KY / XXXX, GA XXXX : Exeter Finance LLC Account Number : [ Insert Account Number ] -- - # # # Complaint Summary I am submitting this complaint against Exeter Finance LLC for inaccurate XXXX XXXX, failure to conduct a reasonable investigation, and continued furnishing of disputed late payment information. 

Exeter XXXX is reporting late payments on my consumer credit file that I formally dispute as inaccurate and unsubstantiated. Despite my dispute, the company continues to furnish this negative information without providing adequate verification or documentation establishing the accuracy and legal basis of the reported delinquencies. 

-- - # # # Detailed Description of the XXXX Exeter XXXX has reported XXXX or more late payments on the above-referenced account to consumer reporting agencies. I dispute the accuracy of these late payments and assert that Exeter XXXX has failed to demonstrate that the alleged delinquencies were properly assessed, timely noticed, or accurately reported. 

Under 15 U.S.C. 1666b, creditors are required to follow strict procedural and timing requirements when asserting billing-related delinquency claims. Exeter XXXX has not provided documentation proving compliance with these requirements or validating the alleged late payments. 

Furthermore, by continuing to report disputed information without proper substantiation, Exeter XXXX is violating its duty to ensure the maximum possible accuracy of information furnished to consumer reporting agencies and its obligation to conduct a reasonable investigation upon notice of dispute. 

The continued reporting of these late payments is materially misleading and has caused ongoing harm to my credit profile. 

-- - # # # Steps Taken to Resolve the XXXX - XXXX formally disputed the late payments directly with Exeter XXXX. 
- I requested validation and correction of the inaccurate reporting. 
- Exeter XXXX failed to provide sufficient evidence supporting the reported late payments and has not removed the disputed information. 

-- - # # # Resolution Requested I respectfully request that the CFPB require Exeter Finance LLC to : XXXX. Remove all disputed late payment notations from any consumer reporting agency. 
XXXX. Cease furnishing inaccurate or unverified late payment data related to this account. 
XXXX. Correct all internal records to reflect accurate payment history. 
XXXX. Provide written confirmation of these corrective actions. 

If Exeter XXXX can not fully substantiate the accuracy and legal compliance of the reported late payments, deletion is the only lawful remedy. 

-- - # # # Additional Information This complaint is submitted in good faith. I reserve all rights and remedies available under federal and state law. I am requesting CFPB assistance to ensure Exeter XXXX complies with its legal obligations as a furnisher of consumer credit information. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation