Consumer complaint received 2024-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX **Exeter Finance LLC** XXXX XXXX XXXX XXXX XXXX XXXX  **Subject : Demand for Correction of Address Discrepancies, Removal of Unfair Practices from Credit Profile, and Dispute of Contract Signature** Dear Exeter Finance LLC , I am writing to express my deep dissatisfaction and concern regarding the handling of my account ( Account Number : XXXX ), specifically pertaining to the erroneous address records, misleading date information, and the signature on the contract provided by Exeter Finance. 

On XX/XX/XXXX, I received a Change of Address Confirmation from Exeter Finance, stating the following : **New Address from USPS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ,  GA XXXX Despite having notified Exeter Finance of my correct address and updating the records as instructed, I received further communications that referenced outdated address information. This discrepancy is not only misleading but also a violation of my rights to accurate record-keeping.

Additionally, your response dated XX/XX/XXXX, acknowledged that the address on file was different from the one listed in my complaint, yet no corrective action was taken. This negligent behavior has caused undue stress and potential harm to my credit profile due to your company 's failure to maintain accurate records. It is evident that my address ( XXXX XXXX XXXX XXXX XXXX XXXX ) was already updated in your system, yet your response failed to reflect this, further demonstrating your company 's lack of proper record-keeping.

Moreover, the contract you provided contains a signature that is not mine. This discrepancy raises serious questions about the authenticity and validity of the documents you have on file.

Under the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws, including those enforced by the Federal Trade Commission ( FTC ), Exeter Finance is obligated to ensure the accuracy of the information reported to credit bureaus. Your failure to maintain accurate records, provide truthful information, and ensure the authenticity of documents constitutes unfair practices.

**I demand the following actions be taken immediately : ** 1. **Correction of Address Records : ** - Ensure that my address ( XXXX XXXX XXXX XXXX XXXX GA XXXX ) is accurately updated in your system and used for all future correspondence.

- Provide written confirmation of this update.

2. **Removal of Unfair Practices from Credit Profile : ** - Remove any negative impact on my credit profile resulting from Exeter Finance 's inaccurate record-keeping and unfair practices. 
- Provide written confirmation of this action. 

3. **Dispute Resolution of Contract Signature : ** - Investigate the authenticity of the contract provided and address the issue of the incorrect signature.

- Provide a detailed explanation and resolution regarding this discrepancy.

4. **Clarification and Consistency in Communication : ** - Provide a detailed explanation for the discrepancies in the dates and address information provided in your communications.

- Guarantee that all future communications will contain accurate and consistent information.

Failure to address these concerns adequately and promptly will compel me to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), as well as pursue legal remedies for damages caused by these inaccuracies and potential fraud.

I expect a response within 14 days of receiving this letter. Should you require further information or wish to discuss this matter.

Thank you for your immediate attention to this serious matter. 

Sincerely, XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation