Consumer complaint received 2025-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Exeter Finance, LLC.
State: CA

Complaint narrative:
Complainant : XXXXXXXX XXXX XXXX  XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX Email : XXXX Phone : ( XXXX ) XXXX Summary of Complaint I am filing a formal complaint against XXXX XXXX XXXX Exeter Finance LLC XXXX and XXXX XXXX for serious violations in connection with XXXX vehicle purchase transactions. These violations include premature and unauthorized credit inquiries, material misrepresentation during the sales process, failure to provide accurate disclosures, predatory pricing practices, mishandling of financing terms, and refusal to acknowledge or properly process my lawful rescission notice. 

These actions have caused financial harm, emotional distress, and negative impacts to my credit file. 



XXXX. Background of the Transactions On XXXX separate dates, I purchased XXXX vehicles through XXXX XXXX in XXXX XXXX, California : XXXX XXXX XXXX XXXX ( financed through XXXX XXXX ) XXXX Chevrolet Bolt EV ( financed through Exeter Finance LLC ) Both transactions were handled by the same dealership. I was alone at the time of purchase, and as a female consumer, I relied fully on the dealerships representations, disclosures, and competence. Instead, I was subjected to misinformation, pressure, undisclosed credit pulls, and contract inconsistencies. 



XXXX. Premature and Unauthorized Credit Inquiries Before any contract was signed, the dealership ran multiple credit inquiries without : proper disclosure consent necessity clarity of purpose This constitutes misuse of personal identifying information and unfair credit practices. 

Both XXXX XXXX and Exeter Finance LLC eventually reported hard inquiries that were tied to these improper dealership actions. 



XXXX. Misrepresentation and Unfair Sales Practices The dealership failed to : explain XXXX terms provide accurate pricing disclose add-ons show the market value comparison properly explain financing provide adequate time for review produce consistent contract documentation In both transactions, I was rushed, pressured, and given misleading or incomplete information. 



XXXX. Violation of Disclosure Requirements The dealership did not properly disclose : the true cost of the vehicles the finance charges the total amount financed the difference between advertised price vs actual contract price the inflated APR add-on products added without consent This violates consumer protection standards. 



XXXX. Legal Rescission Notices Provided After identifying these issues, I exercised my right to rescission. 

On separate dates, I mailed certified letter packets to : XXXX XXXX Exeter Finance LLC XXXX XXXX XXXX packet included : formal rescission statement of facts request for cancellation request for {$0.00} balance request for deletion of tradelines request for cease of all billing and collection request for XXXX XXXX All parties received these notices ( I have XXXX proof of delivery, tracking, and green card signatures ). 



XXXX. Improper Response From Exeter Finance Instead of acknowledging or processing my rescission, Exeter Finance sent me a XXXX percent settlement offer, which suggests : they can not defend the validity of the contract they are attempting to collect despite rescission they are trying to secure funds before being forced to remove the account This is improper, deceptive, and an attempt to circumvent federal and state consumer protection laws. 



XXXX. Current Harm The lenders continue to : report these accounts maintain balances send billing or collection notices ignore rescission deadlines obstruct the correction of my credit This has caused : damaged credit score blocked access to fair lending emotional distress unnecessary financial pressure XXXX. Requested Resolution I am asking the CFPB to require : For XXXX XXXX XXXX the XXXX Trax LS account with a XXXX balance Delete the XXXX XXXX XXXX Delete all related inquiries Issue XXXX XXXX Cease all billing, reporting, and communication For Exeter Finance LLC Close the XXXX Trax LS account with a XXXX balance Delete the Exeter tradeline Delete all related inquiries Issue XXXX XXXX Cease all billing, reporting, and communication For XXXX XXXX Address the sales misconduct Retrain compliance staff Investigate misrepresentation and unauthorized credit pulls Additionally Removal of all negative or inaccurate information from Experian, Equifax, and TransUnion Written confirmation of corrective actions Enforcement action for failure to respond to my formal notices XXXX. Attachments/ Evidence Available I will provide upon request : Certified mail receipts XXXX delivery confirmations Green-card signatures Copies of rescission notices Copies of XXXX final demands Dealership documents Lender correspondence ( including settlement demand letter ) Screenshots of credit inquiries Photos of the mailed packets Conclusion I respectfully request that the CFPB investigate these issues and compel XXXX XXXX, Exeter XXXX XXXX and XXXX XXXX to comply with legal requirements, correct my accounts, and cease improper practices.

Company response to consumer: Closed with explanation