Consumer complaint received 2025-03-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Dispute of Late Payments Exeter Finance LLC ( Account Number : XXXX ) Dear XXXX, I am writing to formally dispute the accuracy of late payments reported on my credit report by Exeter Finance LLC for the account number XXXX. These late payments are inaccurate, and I am requesting that they be investigated and removed from my credit report. According to 15 U.S.C. 1666b, a creditor may not treat a payment as late for any purpose unless they have adopted reasonable procedures to ensure that billing statements are delivered to the consumer at least 21 days before the payment due date. Additionally, 15 U.S.C. 1637 and 15 U.S.C. 1637a require creditors to provide clear and accurate disclosures regarding payment terms and due dates. I ask that XXXX confirm whether Exeter Finance LLC complied with this federal requirement before reporting the late payments. The late payments being reported are as follows : 90 Days Past Due : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX This pattern of reporting raises concerns about the accuracy and compliance of Exeter Finance LLC with both the Fair Credit Billing Act and the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). If Exeter Finance LLC can not provide evidence of compliance, I respectfully request these late payments be removed from my credit report. Please investigate this matter promptly and provide me with a response within 30 days, as required under the FCRA. Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Late Payments Exeter Finance LLC ( Account Number : XXXX ) Dear XXXX, I am writing to dispute the late payments reported by Exeter Finance LLC on my credit report under account number XXXX. These late payments are inaccurate, and I request that they be investigated and removed. According to 15 U.S.C. 1666b, a creditor can not treat a payment as late unless they deliver a billing statement at least 21 days before the payment due date. Additionally, 15 U.S.C. 1637 and 15 U.S.C. 1637a require creditors to provide clear and accurate disclosures regarding payment terms and due dates. I ask that XXXX verify whether Exeter Finance LLC complied with this regulation before reporting these late payments. The late payments reported are as follows : 90 Days Past Due : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  If Exeter Finance LLC can not verify the accuracy of this information or compliance with federal regulations, I respectfully request that these entries be removed from my credit report. Please respond to this matter within 30 days, as required under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). Thank you for your prompt attention. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Subject : Dispute of Late Payments Exeter Finance LLC ( Account Number : XXXX ) Dear XXXX, I am writing to dispute the late payments reported by Exeter Finance LLC on my credit report under account number XXXX. I believe these late payments are inaccurate, and I am requesting an investigation to verify their accuracy and compliance with federal laws. Under 15 U.S.C. 1666b, a creditor may not treat a payment as late unless they deliver a billing statement no later than 21 days before the payment due date. Additionally, 15 U.S.C. 1637 and 15 U.S.C. 1637a require creditors to provide clear and accurate disclosures regarding payment terms and due dates. I am requesting that XXXX verify whether Exeter Finance LLC followed this federal requirement. The reported late payments are as follows : 90 Days Past Due : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If Exeter Finance LLC can not substantiate the accuracy of this information or their compliance with federal law, I request that these late payments be removed from my credit report. Please investigate this matter and respond within 30 days, as required under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation