Consumer complaint received 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Exeter Finance, LLC.
State: FL

Complaint narrative:
Consumer Financial Protection Bureau General Counsel, Legal Division XXXX XXXX XXXX XXXX Washington, DC XXXX Subject : Demand for Immediate Action Regarding Negligence in Investigating Claims Against Exeter Finance LLC Dear General Counsel, This letter serves as a formal demand for immediate corrective action by the Consumer Financial Protection Bureau ( CFPB ) and its agents regarding their failure to properly investigate and address my claims against Exeter Finance LLC ( " Exeter '' ). Despite providing clear evidence of my on-time payments for over eight months, including proof of payment on Exeter 's own letterhead, the CFPB has arbitrarily dismissed my claims as " duplicate '' without conducting a thorough investigation. This failure constitutes a violation of federal law and has caused me significant and irreversible harm.

Under 12 USCS 5511, the CFPB is mandated to ensure that consumers are protected from unfair, deceptive, or abusive acts and practices and to enforce federal consumer financial law consistently. The CFPB is also required to investigate and respond to consumer complaints as part of its primary functions. See 12 USCS 5511. By failing to investigate my claims adequately and marking them as " duplicate '' without merit, the CFPB has neglected its statutory duties and failed to uphold its purpose of ensuring fairness and transparency in consumer financial markets. 

Furthermore, under 12 USCS 5562, the CFPB has the authority to issue civil investigative demands to gather relevant information and evidence regarding potential violations of federal consumer financial law. See 12 USCS 5562. Despite my repeated submissions of evidence, the CFPB has not exercised this authority to investigate Exeter 's conduct thoroughly. This inaction demonstrates a disregard for its obligations under federal law.

Additionally, 12 USCS 5565 grants the CFPB jurisdiction to provide appropriate legal or equitable relief for violations of federal consumer financial law, including restitution and compensation for damages caused by such violations. See 12 USCS 5565. The CFPB 's failure to address my claims has directly contributed to the harm I have suffered, and I demand that the Bureau take immediate steps to rectify this situation. 

This letter serves as the fourth notice of these allegations. If the CFPB continues to dismiss my claims as " duplicate '' without proper investigation, I will have no choice but to file a formal complaint in the appropriate court in XXXX XXXX, Florida. Please be advised that CFPB agents do not have blanket government immunity and may be held individually accountable for their actions or omissions that facilitate harm.

I demand that the CFPB immediately : ( 1 ) Reopen and thoroughly investigate my claims against Exeter, specifically addressing the evidence of proof of payment I have provided.

( 2 ) Provide a detailed explanation of the actions taken to investigate my claims and the basis for any determinations made.

( 3 ) Take appropriate enforcement action against Exeter for any violations of federal consumer financial law identified during the investigation for failing to properly update my account payment history and failure to accurately report those payments since XX/XX/year>. 

Failure to comply with these demands will result in further legal action to hold the CFPB and its agents accountable for their negligence and the damages caused. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation