Consumer complaint received 2025-09-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC.
State: DC

Complaint narrative:
I act as XXXX for XXXX XXXX under a XXXX XXXX XXXXXXXX XXXX XXXX Under XXXX  XXXX XXXX XXXX XXXX, I am legally required to act with care, competence, diligence, loyalty, and in the best interests of my principal. 
This correspondence serves as formal notice that I have filed complaints with regulatory authorities, specifically the Securities and Exchange Commission ( SEC ), the Commodity Futures Trading Commission ( CFTC ), and the XXXX  XXXX of the Attorney General, XXXX XXXX XXXX. 
The filings concern systemic fraud by XXXX  XXXX, XXXX XXXX XXXX ( XXXX  ), XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. XXXX  XXXX directly partnered with XXXX under the XXXX Analytic Products and Services Master Contract, while XXXX  XXXX XXXX XXXX XXXX and XXXX XXXX XXXX directly participated in the formation of XXXX XXXX, XXXX in XXXX. XXXX XXXX  purported owner, XXXX  XXXX XXXX XXXX, never lawfully existed due to fatal defects in XXXX corporate lineage, rendering its claimed 33 % ownership void and fatally undermining the legality of XXXX formation. 
Supporting evidence consists entirely of public records, including XXXX  XXXX of XXXX filings, FTC findings, federal statutes, and contracts. All exhibits have been cryptographically hashed and anchored to the XXXX XXXX, with verification recorded in the Exhibit XXXX XXXX. The full legal analysis is contained in The Illegality of XXXX and XXXX, which documents the unlawful corporate lineage of Equifax XXXX XXXX, the void formation of XXXX  XXXX XXXX XXXX, and the illegal contracts underlying both XXXX and XXXX. The record is also preserved on the XXXX XXXX XXXX ( XXXX ) with timestamped XXXX certificates. Thus, the evidentiary record is permanent, immutable, and legally incapable of alteration or rebuttal by any party, including your institution. 
XXXX  law ( XXXX XXXXXXXX ) and XXXX  XXXX ( XXXX XXXX. XXXX XXXX ) both void agreements contrary to law or founded on illegality. The Supreme Court has confirmed that courts will not enforce contracts founded on illegality ( XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX ) ), and that no contract exists where the parties have not mutually assented to the same essential terms ( XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX  XXXX ( XXXX ) ). Likewise, both XXXX  law ( XXXX XXXXXXXX ) and XXXX  XXXX ( XXXX XXXX. XXXX XXXX ) prohibit contracts induced by fraudulent misrepresentation. 
In addition, under U.C.C. 9-203 ( b ), no security interest can attach without a valid underlying agreement. Under U.C.C. 3-303 ( b ), an instrument issued without value is unenforceable, and under U.C.C. 3-305 ( a ) ( 1 ) ( ii ), enforcement of a negotiable instrument is barred where real defenses such as fraud in factum and illegality apply. Therefore, both the promissory note and the security interest allegedly securing it are void and unenforceable. 
Furthermore, any attempt by Exeter XXXX, XXXX or its successors to claim status as a " holder in due course '' fails under U.C.C. 3-302. A holder in due course must take the instrument ( 1 ) for value, ( 2 ) in good faith, and ( 3 ) without notice of claims or defenses. Creditors of secured loans typically securitize receivables immediately, transferring them into trusts or selling them to investors. Servicers then enforce the accounts under pooling and servicing agreements. These transactions are not bona fide purchases for value but assignments within a securitization chain. By receipt of this Notice, both the originating creditor and all downstream assignees now have actual knowledge of fraud, illegality, and voidness. Even absent knowledge, the real defenses under U.C.C. 3-305 ( a ) ( 1 ) ( ii ) defeat any alleged holder in due course status. Thus, no lender, servicer, trust, or investor may lawfully enforce or claim XXXX protection regarding the alleged secured loan.

Company response to consumer: Closed with explanation