Consumer complaint received 2025-09-08 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: FL

Complaint narrative:
DEBT VALIDATION LETTER XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Florida, XXXX Dear EXETER FINANCE LLC, This letter is being sent to you in response to a recent charge that was made on my credit report that I do not recognize. 

Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, XXXX XXXX XXXX stating your claim is disputed and validation is requested. 

This is NOT a request for verification or proof of my mailing address, but a request for XXXX made pursuant to the above-named XXXX and XXXX. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 

At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX XXXX XXXX XXXX ) this action XXXX constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 

If your offices are able to provide the proper documentation as requested in the following XXXX, I will require at least XXXX  days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered XXXX  to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 

If your office fails to respond to this validation request within XXXX  days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 


Sincerely, XXXX XXXX CEASE AND DESIST I would also like to request, in writing, that no further telephone contact be made by your offices to my home or to my place of employment. If your offices continue to attempt telephone communication with me it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter. 

It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. 


Sincerely, XXXX XXXXXXXX XXXX XXXX XXXX Please provide all of the following information and submit the appropriate forms and paperwork within XXXX days from the date of your receipt of this request for validation. 

Name and Address of Alleged Creditor : ______________________________________________________________________ Name on File of Alleged Debtor : ______________________________________________________________________ Alleged Account XXXX  : ______________________________________________________________________ Address on File for Alleged Debtor : ______________________________________________________________________ Amount of Alleged Debt : ______________________________________________________________________ Date ( that this alleged debt became payable ) : ______________________________________________________________________ Date of Original Charge or Delinquency : ______________________________________________________________________ Was this Debt assigned to a Debt Collector or Purchased? 

- Assigned - Purchased Amount Paid if Debt was Purchased : $ XXXX Commission for debt collector if collection efforts are successful : ______________________________________________________________________ REQUESTED INFORMATION Please attach copies of the following : Agreement with your client that grants ___________________ ( Collection Agency Name ) the authority to collect this alleged debt. 

Signed agreement Debtor has made with XXXX Collector, or any other verifiable proof Debtor has a contractual obligation to pay XXXX Collector. 

Any agreement that bears the signature of XXXX wherein agreed to pay XXXX. 

All statements while this account was open. 

Have any insurance claims been made by any creditor regarding this account? 

Yes- No Have any judgments been obtained by any creditor regarding this account? 

Yes - No Please provide the name and address of the bonding agent for ___________________ ( Name of Debt Collector ), in case legal action becomes necessary : ______________________________ ______________________________ ______________________________ Authorized Signature of Creditor : ______________________________ Date : _________________________ You must return this completed form along with copies of all requested information, assignments or other transfer agreements, which would establish your right to collect this alleged debt within XXXX  days from the date of your receipt of this letter. 

Your claim can not and WILL NOT be considered if any portion of this form is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. 

Please allow XXXX  days for processing after I receive this information. 
XXXX

Company response to consumer: Closed with explanation