Consumer complaint received 2024-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Exeter Finance, LLC.
State: AZ

Complaint narrative:
This company REFUSES to comply with US Bankruptcy law. PLEASE see todays correspondence, We just won a dispute with XXXX, one day later it's back on our credit. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, AZ XXXX SSN : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX AZ XXXX SSN : XXXX Date : XX/XX/XXXX To : Exeter Finance , LLC Bankruptcy Department CC XXXX XXXX XXXX XXXX XXXX Law Subject : Cease and Desist - Post-Discharge Reporting of Debt Dear Bankruptcy Department, I am writing regarding the continued reporting of a debt on my credit report by your company, Exeter Finance , LLC , after its discharge in bankruptcy. This debt was included in my XXXX XXXX bankruptcy, filed on XX/XX/XXXX, and discharged on XX/XX/XXXX, XXXX under Case Number XXXXXXXX XXXX XXXX XXXX As a creditor, you were duly notified of the bankruptcy filing and discharge. I have also filed 3 separate disputes, and called 3 times. 

WE DO NOT HAVE POSSESSION OF THIS VEHICLE It has come to my attention that despite the discharge of this debt, and documented disputes your company is reporting inaccurate information, specifically with XXXX : Account Status : " At least 120 days or more than four payments past due. '' Past Due Amount : {$1900.00}. 
Reported Balance : {$13000.00}. 
Your actions violate federal bankruptcy laws and the Fair Credit Reporting Act ( FCRA ). Reporting discharged debt as delinquent is misleading, unlawful, and constitutes an attempt to collect a debt in direct violation of 11 U.S.C. 524 ( a ). Furthermore, under the FCRA, inaccurate reporting damages my credit and subjects your company to potential liability for willful or negligent noncompliance. 

I demand that you take the following actions immediately : Cease all negative reporting regarding this discharged debt to all credit reporting agencies. 
Correct the information currently being reported to reflect a {$0.00} balance and the accurate status of " Included in Bankruptcy. '' Provide me with written confirmation of these corrections within 3 business days of receipt of this letter. 
Failure to address this matter promptly will leave me no choice but to escalate this issue. I am prepared to retain the services of XXXX XXXX XXXX to file legal action against Exeter Finance , LLC, for violations of the Bankruptcy Code and the FCRA, seeking damages, legal fees, and any other remedies allowed by law. 

This letter serves as official notice. I expect your immediate attention to rectify this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX Exeter Bankruptcy : I am really angry. I have just been informed for the first and ONLY time that Exeter failed to pick up the vehicle that was discharged and surrendered in our bankruptcy. 
WE DO NOT HAVE POSSESSION OF THIS VEHICLE. This is unacceptable, and is the 4th time I am advising you : The XXXX XXXX is parked, unlocked, keys under the front seat : Pickup the vehicle in the back lot of the dealership parking at : Attention XXXX XXXX The car has been there since XXXX! We have called, and so has the dealership. Your failure to take possession of the surrendered car is NOT our problem. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, US All derogatory reporting must be removed immediately. 


XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation