Consumer complaint received 2025-10-13 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: CA

Complaint narrative:
Formal Legal Dispute Inaccurate, Unverifiable Reporting & Privacy Violations Date : XX/XX/XXXX To : Exeter Finance LLC XXXX. XXXX XXXX XXXX, XX/XX/XXXXXXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX Date of Birth : XX/XX/XXXX Last XXXX of SSN : XXXX Re : Formal Dispute Violation of Federal Law and Request for Verification of Account Reporting This letter serves as a formal notification that the undersigned disputes the accuracy, completeness, and verifiability of information you are furnishing to consumer reporting agencies. The accounts listed below have been identified as inaccurate, unverifiable, incomplete, and/or noncompliant with Metro 2 data furnishing standards and federal law. 

Exeter Finance LLC Account Number : XXXXXX/XX/XXXX In accordance with the Fair Credit Reporting Act ( FCRA ) including 15 U.S.C. XXXX ( XXXX ) ( FCRA XXXX ), XXXX, XXXX ( b ), and XXXX, as well as the Consumer Data Industry Associations Metro 2 Reporting Guidelines, you are hereby demanded to immediately delete and cease reporting the accounts listed below to all consumer reporting agencies. 



Exeter Finance is currently furnishing information that is inaccurate, unverifiable, and noncompliant with both Metro 2 data reporting standards and federal consumer protection statutes. This conduct violates the following federal provisions : 15 U.S.C. XXXX ( a ) ( XXXX ) Requiring consumer reporting to be accurate, fair, and respectful of consumer privacy. 

15 U.S.C. XXXX ( a ) ( XXXX ) Mandating fair and equitable reporting practices with due regard for confidentiality, accuracy, and relevancy.

15 U.S.C. XXXX ( a ) Requiring financial institutions to protect the security, confidentiality, and integrity of consumers personal financial information. 

15 U.S.C. XXXX ( a ) ( XXXX ) Authorizing enforcement actions by the Consumer Financial Protection Bureau ( CFPB ) and other agencies against furnishers who fail to comply with FCRA obligations. 

Metro 2 Reporting Guidelines : Payment status, Date of Last Payment, and Date Last Active must be uniform and accurate across all bureaus. Discrepancies constitute reporting violations. 



This account is reported with XXXXday late payments and inconsistent reporting dates across the credit bureaus. The Date Last Active and Date of Last Payment are not uniform, which calls the reliability and accuracy of the furnished information into question. Under 15 U.S.C. XXXX ( a ) ( XXXX ) ( A ), furnishers are prohibited from reporting information they know or have reasonable cause to believe is inaccurate. 

I am demanding the following actions : Conduct a full internal investigation and provide written validation of the reported account. 

Supply copies of the original signed contract, full payment ledger, and any transactional records used to report this account. 

Cease furnishing any information that can not be verified through primary source documentation. 

Remove or correct all inaccurate, incomplete, or unverifiable information from XX/XX/XXXX, and XX/XX/XXXX within XX/XX/XXXXdays of receipt of this notice. 

Conduct a full internal investigation and provide written validation of the reported account. 

Provide written confirmation of your reinvestigation findings and corrective actions. 



Until proper verification is provided, you must cease reporting or updating any negative information related to this account to the credit reporting agencies. Continuing to report unverifiable information would constitute a violation of the FCRA and could be considered a willful act of furnishing inaccurate information. 

Additionally, under 15 U.S.C. XXXX, if any of this information is determined to be inaccurate, unverifiable, or the result of identity misuse, it must be blocked and removed from my file within XXXX business days. 

If you are unable to produce the requested verification within the required timeframe, I request that you immediately remove any inaccurate data furnished toXX/XX/XXXX, and XX/XX/XXXX. Please respond to this request in writing within XX/XX/XXXX days of receipt. Enclosed are copies of my identification and proof of address for verification purposes. 



Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation