Consumer complaint received 2025-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Exeter Finance, LLC.
State: OK

Complaint narrative:
I tried purchasing a vehicle at XXXX XXXX in XXXX Oklahoma ( XXXX ). The car was faulty and taken back 4 days later and I was given a loaner car. Fast forward to XXXX I was told car is ready but in fact it was not I was made to lie to finance company Exeter Finance at that time by XXXX XXXX because they told me the only way they would fix the car and let me stay in the loaner car was to tell Exeter that I had the car. XXXX XXXX said they would get the money for the car from Exeter and use that to fix the car. A couple of days later I was not feeling well about them making me lie to Exeter even though I had no choice because I would be without a vehicle and a way to work if I didnt do what they said. Exeter said they would get back to me. Fast forward now to XX/XX/XXXX, I spoke to an attorney who recorded a call between Exeter finance ( XXXX ) and myself where once again I was explaining the fraud. I was told to send a statement which I did ( see attached ) I was told that a fraud investigation would be opened and they would get back to me. I NEVER HEARD FROM ANYONE AGAIN CONCERNING ANYTHING until they kept calling me every month wanting a payment and told them the same thing that I never had the car. Well long story short Exeter picked up the car at the dealership in XXXX of XXXX  and repossessed it this was only after I told them XXXX or 4 times thast the car was there and I never had the car. Now I finially have all the attachments necessary to prove number 1 that I did not have possession of this car since XX/XX/year>. Number 2, Exeter Finance denied me financing on XX/XX/year>, The dealership still had the car up for sale XX/XX/year> as well as it being listed at two other dealerships one being XXXX XXXX and the other being XXXX XXXX. Exeter finance even told me themself that XXXX XXXX was charging them storage fees for the car from XX/XX/year>. With ALL this proof the refuse to take this off of my credit and I have suffered tremendously throughout this two years and have received help from nobody icluding the attorney who has sat on my case and done nothing even after signing a contract, the dealeership who still to this day has my truck I traded in and I have NO VEHICLE, and XXXX XXXX who has all the proof in front of them that I did not have this vehicle and continues to hit my credit report over and over again so that I can not get another vehicle and get to work. This is an unnacceptable unfair injustice that has been done to me and my family by many and wont stop until it gets fixed and I am compensated back to my original standing at the very least. I am attaching all the proof to this complaint 12 attachments which include : An original personal statement of events through XX/XX/year>, a timeline of events through XX/XX/XXXX, XXXX, XXXX XXXX  records on the vehicle in question, XXXX XXXX  records on my truck that XXXX  XXXX STOLE, an original purchase agreement with XXXX  XXXX XXXX XXXX, a SECOND purchase agreement with XXXX  XXXX XXXX XXXX which I was forced to sign XXXX piece of paper the rest were forged if any more ( notice the signatures in these please ) they do not match what Exeter Finance will provide nor do the signatures in my set match from the first page to the rest on this document, a rental agreement from XXXX  XXXX XXXX XX/XX/year> which is the day I took that car back to them. I had this rental until they illegally picked it up from my job in XXXX of XXXX  by a REPO MAN IMPERSONATING a POLICE OFFICER, an email from the lawyer who has done XXXX for me after signing a contract with him and being told he would send a letter of representation but has done nothing this contains the letter sent to XXXX at EXETER FINANCE concerning the FRAUD issue, a DENIAL letter from Exeter Finance dated XXXX, a letter from EXETER FINANCE stating the sale of this vehicle dated XXXX, and lastly a VIN report from BUMPER showing proof the vehicle was still listed for sale after I supposedly signed this contract with EXETER. OUT of all these channels I have been trying to get help it has not happened yet. This is an attempt to get a falsified negative report off of my credit and I believe that I have provided ample proof for this to happen as of now. I am asking EXETER FINANCE to be made to take this fraudulent activity off of my credit report and compensate me for the two years ' worth of headaches and missed opportunities to be able to buy a vehicle. I have been embarrassed, made to feel like a worthless person or goes around getting car loans and does not pay them. This is the only correct thing to do in this circumstance as Exeter has known the situation this entire time and has plenty of opportunity to rectify the situation.

Company response to consumer: Closed with explanation