Consumer complaint received 2024-12-25 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: TN

Complaint narrative:
Complaint to the Consumer Financial Protection Bureau ( CFPB ) Date : XX/XX/year> Subject : Complaint Against Exeter Finance LLC for Non-Response to Rescission of Signature To Whom It May Concern, I am filing this formal complaint against Exeter Finance LLC regarding their failure to respond to my rescission of signature notice within the legally required timeframe under the Truth in Lending Act ( TILA ) and associated federal regulations. 

Background Information XXXX. Rescission of Signature Submission : XXXXXXXX XXXX XXXXXXXX a Rescission of Signature to Exeter Finance LLC regarding a contract associated with my account [ Account Number or Reference ]. This rescission was tendered under my rights outlined in the Truth in Lending Act ( 15 U.S.C. 1635 ) and Uniform Commercial Code ( UCC 2-207, 3-603, and 3-306 ) due to the discovery of itemizations and contractual irregularities.

2. 20-Day Non-Response Period : Under federal law, Exeter Finance LLC was required to respond to my rescission within 20 calendar days of receipt, either acknowledging the rescission or providing a written explanation rejecting the rescission along with supporting legal justification. To date, no response has been received.

Complaint Details 1. Failure to Respond : Exeter Finance LLC has failed to provide any acknowledgment, acceptance, or rejection of my rescission of signature within the required timeframe. This constitutes a violation of the Truth in Lending Act and potentially other federal regulations governing consumer credit transactions. 


XXXX. Request for Notice of Non-Response : As part of this complaint, I am providing a Notice of Non-Response to Exeter Finance LLC, effectively declaring the contract void and unenforceable unless Exeter Finance LLC can provide evidence of their response to my rescission of signature within the legally required timeframe. 


XXXX. Request for Documentation : I formally request that Exeter Finance LLC provide written documentation detailing : Their response to my rescission of signature, if any.

The specific legal basis, statutes, or terms that justify their response ( or lack thereof ).

Resolution Requested I am seeking the following resolutions through this complaint : 1. A full and detailed response from Exeter Finance LLC regarding their failure to address my rescission of signature within 20 days. 


XXXX. A declaration that the contract is void and unenforceable due to their non-response, in accordance with applicable federal laws. 


XXXX. Compensation for any damages or adverse actions resulting from their failure to comply with the statutory requirements of the Truth in Lending Act. 



Supporting Documentation I have included the following documents with this complaint : A copy of the original rescission of signature letter submitted to Exeter Finance LLC. 

Proof of delivery showing the date Exeter Finance LLC received the rescission. 

Copies of any related correspondence or communications with Exeter Finance LLC. 


Conclusion This complaint is submitted in good faith and with the expectation that the Consumer Financial Protection Bureau will investigate this matter and ensure that Exeter Finance LLC complies with federal law. I respectfully request timely acknowledgment of this complaint and a response outlining the next steps in this matter.

Company response to consumer: Closed with explanation