Consumer complaint received 2025-09-07 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Email : XXXX Phone : XXXX XXXX Subject : Formal Complaint & Demand for Deletion of Inaccurate and Inconsistent Reporting by XX/XX/XXXX EXETER FINANCE LLC Dear Consumer Financial Protection Bureau , I am filing this complaint againstXX/XX/XXXX and XX/XX/XXXXdue to gross inaccuracies, factual inconsistencies, and violations of federal law in their reporting of an auto loan account from EXETER FINANCE LLC XXXX which have caused me serious financial harm and emotional distress. 

Account in Dispute : Creditor : EXETER FINANCE LLC Account Number : XXXX Date Opened : XX/XX/XXXX Account Type : Auto Loan Balance Reported : {$29000.00} Original Balance : {$22000.00} Status : Charged Off / Repossession Date Closed : XX/XX/XXXX Most Recent Payment Reported : {$720.00} on XX/XX/XXXX Scheduled Removal : XXXX Factual Discrepancies Between Agencies : XX/XX/XXXX: Reports this account as closed on XX/XX/XXXX, yet shows a payment received on XX/XX/XXXX this is a factual impossibility. 

Lists the pay status as charge-off, but reflects no monthly payment terms and {$0.00} per month on an 86-month term this is incomplete and misleading.

Reports {$29000.00} owed on an account allegedly closed and charged off this is unverifiable and financially punitive. 

XX/XX/XXXX: Reports the original balance as {$22000.00}, yet shows a past-due amount of {$29000.00} a discrepancy of {$6800.00}, with no explanation or legitimate documentation of the increase. 

Indicates charge-off from XXXX to XX/XX/XXXX, while simultaneously showing active payments. 

Also lists repossession in XX/XX/XXXX but fails to properly categorize or explain the sequence of payment activity and closure leading to materially inaccurate reporting. 

Violations of Federal Law Fair Credit Reporting Act ( FCRA ) : FCRA 607 ( b ) / 15 U.S.C. 1681e ( b ) : Both agencies are failing to follow reasonable procedures to assure maximum possible accuracy of information. Contradictions in dates, statuses, balances, and payment history clearly demonstrate this violation.

FCRA 611 / 15 U.S.C. 1681i : Upon my dispute, both agencies have failed to conduct a reasonable reinvestigation, and instead continue to parrot unverifiable and conflicting data from the furnisher a direct violation of the FCRA.

FCRA 609 ( a ) ( 1 ) : I am legally entitled to accurate and fully documented credit data. These entries include contradictory and undocumented information which fails this requirement. 

FCRA 616617 : Willful or negligent noncompliance resulting in continued inaccurate reporting makes the agencies liable for actual and punitive damages.

Impact on Me Emotional and Financial Harm : I have been denied for housing and auto loans due to this account. 

I have been offered only high-interest products, costing me hundreds of dollars in excess charges. 

The stress and frustration caused by being misrepresented by XX/XX/XXXX has led to emotional harm and a material disruption in my financial planning. 

What I Am Demanding : I request the CFPB investigate and compel XX/XX/XXXXto : Immediately and permanently delete the EXETER FINANCE LLC account due to : Irreconcilable factual discrepancies Failure to ensure maximum possible accuracy Unverifiable debt increases Conflicting payment and closure dates Provide written confirmation of deletion to me within 15 days. 

Sanction both agencies for willful and negligent violations of the FCRA, should noncompliance continue.

Company response to consumer: Closed with explanation