Consumer complaint received 2023-07-22 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Exeter Finance, LLC.
State: AR

Complaint narrative:
I made an uninformed decision with Exeter finance who is reporting on my consumer report. I enter into an agreement completely unaware of what was about to take place pursuant 15 USC 1601 { Congressional findings and declaration meaningful } disclosure while looking at the agreement. The term adequate notice- a printed notice to a cardholder ( which is me the consumer ) which sets forth the pertinent facts CLEARLY AND CONSPICUOUSLY so that a person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning. Such notice may be given to a cardholder ( me the consumer ) by printing the notice on any credit card or on each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the cardholder. I never saw the adequate notice and if its in the contract it wasnt clear This contract wasnt explained it wasnt clear and it wasnt conspicuous. This company didnt print nor make this agreement reasonably easy to notice it wasnt clear nor conspicuous, making this contract/agreement null and void pursuant to definition of a creditor under the title truth lending act- is the person ( natural person me ) whom the debt arising from the consumer credit transaction ( my social security number pursuant to 15 USC 1602 ( l ) ( which is my credit card ) is initially payable on the face of the evidence of indebtedness ( there is no such thing a natural person having obligations when pursuant to 18 usc 8 United States has paid all debt ) or if there is no such evidence by agreement I extended my credit to your company however your agreement wasnt clear and conspicuous made me make an uninformed decision making the agreement null and void. Your company made An unauthorized use. Term unauthorized use- as used in section 1643 of this title ( truth and lending ) means a use of a credit card ( social security card ) by a person ( organization ) other than the cardholder ( me ) who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. Exeter finance does not have actual nor implied to use my credit card nor have I benefited making this company a fraud. Exeter Finance you said i agreed to get physical damage insurance I was uninformed cause by the truth and lending act under the definition of Financed Charge it clearly states that insurance is included pursuant 15 USC 1605 ( a ) ( 5 ) with the finance charge. Pursuant 15 USC 1605 ( b ) Charges or premiums for insurance, written in connection with any CONSUMER TRANSACTION, against loss of or damage to property or against liability arising out of ownership or use of property, SHALL be included in the finance charge. I have the Right to recession any consumer credit transaction however you stated in your cfpb response recession only applies to mortgages which is not true cause credit is use for everything and my Right to recession is no where in the agreement making the contract null and void. you deceived me to get other insurance by looking at the agreement you had N/A ( NOT APPLICABLE ) on the slots where can I get insurance if every spot that says insurance has N/A ON? Why do you even have it on your agreement cause you know under truth and lending a finance charge includes car insurance at no additional cost cause the finance charge takes care of that. Exeter finance stated in the CFPB response you have an obligation to report to the consumer reporting agencies what law says you can without my written consent. Pursuant to 31 U.S.C. 5312 ( p ) financial institution means a loan or finance company means Exeter finance you fall under a financial institution. Pursuant 6801 has an affirmative and continuing OBLIGATION to RESPECT the privacy of its customers and to protect the security and CONFIDENTIALITY of those customers nonpublic personal information. Exeter finance you and the consumer reporting agencies are not affiliated the consumer reporting agencies are non affiliated third party who sell consumers personal information and you have been reporting this private transaction to a non affiliated agencies exposing my privacy and not holding your obligation to keep my information confidential. Pursuant 15 USC 6802 ( a ) ( b ) ( c ) financial institution MAY NOT, directly or through any affiliate ( M.R.S. The company that work with you ) disclose to a non affiliated third party ( consumer reporting agencies ) ANY nonpublic personal information, UNLESS such financial institution provides or has provided to the COMSUMER ( Me ) a NOTICE that complies with title 6803 of this title. Exeter finance never clearly or conspicuously disclosed to me in writing or in electronic form or other form permitted by the regulations, that my personal credit data information will be disclosed to such third party ; Exeter finance NEVER has given me the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and I XXXX XXXX ( consumer ) never got an explanation of how the consumer can exercise that no disclosure option. Pursuant 15 USC 6821 ( 1 ) ( 2 ) ( 3 ) document defined under truth and lending states any information in any form the false document that you provided was pursuant to 15 USC 6802 you did not provide those documents to me and you reported this horrific inaccurate information without my written consent since XX/XX/XXXX showing how you blatantly fail to comply with the GRAMM LEE BLILEY ACT you are not excuse pursuant to case law trans union vs FEDERAL TRADE COMMISSION your violations has brought me much stress even I wrote you to CEASE and DESIST ALL communication with me through all mediums and you report the month of XXXX as charge off you been reporting charge off since XXXX you have made it difficult for me to extend credit. I am a consumer and I have the RIGHT to privacy and Exeter finance has violated my privacy. On the contract see how you didnt allow me to get insurance you put N/A exhibits are in the pictures

Company response to consumer: Closed with explanation