Consumer complaint received 2025-09-09 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Exeter Finance, LLC.
State: VA

Complaint narrative:
[ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Virginia, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To : [ Exeter FIN ] [ XXXX Texas ] [ XXXX XXXX Texas United States ] Re : Formal Demand for Immediate Blocking and Deletion of Fraudulent Charge-Off Account FCRA 605B / 15 U.S.C. 1681c-2 Identity Theft Information To Whom It May Concern, I am writing to you in my capacity as the consumer whose personal identifying information has been compromised and used without my authorization, resulting in the fraudulent reporting of a charge-off account on my credit file. Pursuant to 15 U.S.C. 1681c-2 ( also referred to as FCRA 605B ), I am formally demanding the immediate and permanent blocking of this account from my consumer report. 

The disputed account is as follows : Creditor/Furnisher Name : [ Exeter Fin ] Account Number : [ Insert Account Number ] Date Opened/ Reported : [ Insert Date ] Under 15 U.S.C. 1681c-2 ( a ), a consumer reporting agency is prohibited from furnishing information that a consumer identifies as resulting from an alleged identity theft. The statute makes no requirement that I provide a police report in order for you to act the submission of an identity theft statement, sufficient identifying information, and a clear dispute notice is enough to trigger your obligation to block such information. 

Here are the relevant provisions of the law : 15 U.S.C. 1681c-2 ( a ) : A consumer reporting agency shall block the reporting of any information in a consumers file that the consumer identifies as resulting from an alleged identity theft, not later than 4 business days after receipt of the information.

15 U.S.C. 1681c-2 ( b ) : The blocking shall be permanent unless the agency has clear and convincing evidence that the information was not the result of identity theft.

15 U.S.C. 1681c-2 ( c ) : Any failure to block such information within the mandated period constitutes a direct violation of the FCRA and subjects the agency to civil liability under 15 U.S.C. 1681n and 1681o, including actual damages, statutory damages, punitive damages, and attorneys fees. 

This fraudulent charge-off was never authorized by me, and any assertion to the contrary is categorically false. You are hereby on notice that continuing to report this account after this letter will constitute willful noncompliance with federal law. 

My demand is as follows : 1. Block and permanently delete the above-referenced account from my credit file within 4 business days of receiving this letter.

2. Provide me with written confirmation of the deletion, including an updated copy of my credit report, no later than 5 business days from your receipt. 
3. Cease and desist from the further publication or re-reporting of this account to any party. 

Enclosed are : A copy of my government-issued ID ( proof of identity ) A copy of a utility bill or bank statement ( proof of address ) My signed identity theft statement, attesting under penalty of perjury that the account is fraudulent This is a formal notice under federal law. Your failure to act will result in me pursuing all available legal remedies, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), my State Attorney General, and initiating civil litigation for damages under the FCRA. 

I expect full compliance within the statutory time

Company response to consumer: Closed with explanation