Consumer complaint received 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
To Whom It May Concern, I am writing in reference to my previous dispute regarding the account from Exeter Finance, which continues to appear on my credit report. As mentioned in my prior communication, Exeter Finance is currently involved in a lawsuit for failure to properly investigate disputes, among other violations of consumer rights.

Given the ongoing legal issues and the company 's failure to comply with consumer protection laws, I demand the immediate removal of this account from my credit report. This companys actions have caused significant harm to my credit and financial reputation.

Below or just a few violations included in my original complaint. Attached are the original details of my prior correspondence with Exeter Finance, outlining the specific violations and demands. I expect this matter to be thoroughly investigated and resolved promptly.

Inaccurate Credit Reporting : Despite multiple efforts to resolve issues concerning my account, Exeter Finance has failed to accurately report my credit status to the major credit bureaus, which directly violates the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681e regarding the accuracy and integrity of information provided to credit reporting agencies.

1. Failure to Correct Discrepancies : As per 15 U.S. Code 1681i, I have provided Exeter Finance with clear documentation regarding the inaccuracies in my credit report. However, they have either failed to investigate or responded inadequately, further exacerbating my financial situation. These actions are in direct violation of the FCRAs requirements to investigate and correct reported errors within 30 days of notification.

2. Recent Lawsuits and Legal Violations : Exeter Finance has also been involved in multiple lawsuits, including but not limited to those related to improper credit reporting and failure to resolve consumer complaints. The presence of these lawsuits further reinforces the systemic issues within the company 's practices.

3. Hardship Considerations : As a result of Exeter Finances ongoing failures, I have experienced significant financial hardship, including damage to my credit score, increased difficulty obtaining credit, and other negative repercussions. Given the severity of the situation, I request that these violations be investigated immediately, and that the inaccurate information be removed from my credit report as a matter of urgency under 15 U.S. Code 1681s-2 and 15 U.S. Code 1681o. 
I will also request that the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) investigate these violations and ensure compliance with all applicable laws. Additionally, I seek your assistance in facilitating an immediate correction to my credit report. I expect a prompt resolution and removal of these inaccuracies to prevent any further adverse impact on my financial well-being. 
Thank you for your attention to this matter. Please confirm receipt of this complaint and provide updates regarding any actions taken in relation to my concerns.

Company response to consumer: Closed with explanation