Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Exeter Finance, LLC.
State: CA

Complaint narrative:
b'Subject: Second Formal Dispute and Legal Demand for Deletion of Account  Violations of FCRA, FDCPA, and TILA\n\nAccount Name: EXETERFIN\nAccount Opened: XXXXAmount: XXXXType: Charge-Off\n\n\n\nTo Whom It May Concern:\n\nThis letter serves as a second formal dispute and legal demand under federal consumer protection statutes regarding the account identified above.\n\nYour XXXX XXXX response to my Consumer Financial Protection Bureau (CFPB) complaint was wholly inadequate. You narrowly responded only to identity theft and failed to address the broader legal violations under the Fair Credit Reporting Act (FCRA), the Fair Debt Collection Practices Act (FDCPA), and the Truth in Lending Act (TILA). This failure to investigate properly and completely constitutes further willful noncompliance with federal law.\n\n\n\n Violations of Federal Law\n\n1. Failure to Investigate Inaccurate Information  FCRA (15 U.S.C.  1681i)\n\nUnder the FCRA, you are required to conduct a full and reasonable investigation into disputed information. You failed to provide me with:\n\t\tA copy of the signed contract\n\t\tOriginal application documentation\n\t\tEvidence of informed consent or IP address of application origin\n\nWithout any such proof, your reporting is unverified and must be deleted. Your investigation did not meet the legal standard under 15 U.S.C.  1681i(a)(1).\n\n\n\n2. Unlawful Reporting Without Consent  FCRA (15 U.S.C.  1681b)\n\nExeter Finance is prohibited from accessing or furnishing my consumer information without a permissible purpose. You have reported derogatory data on my credit report without my consent, violating 15 U.S.C.  1681b. I never applied for or authorized any relationship with your company.\n\n\n\n3. False Communication of Debt  FDCPA (15 U.S.C.  1692cc)\n\nUnder this provision, debt collectors are barred from communicating false or misleading information about a debt. Your charge-off report on my credit file, without verifying the debts legitimacy, amounts to unlawful communication and a violation of 15 U.S.C.  1692cc.\n\n\n\n4. Late Payment Penalties Without Due Process  TILA (15 U.S.C.  1666b)\n\nThe Truth in Lending Act governs how creditors may assess late fees and finance charges. Any fees or interest tied to a debt must be clearly authorized by contract. If no contract exists bearing my original signature, then any post-charge-off interest or late penalties applied are unauthorized and unlawful.\n\n\n\n XXXX XXXXXXXX Protection (SCRA & MLA)\n\nAs a current XXXX member of the XXXX XXXX, I am entitled to enhanced protections under the Servicemembers Civil Relief Act (SCRA) and Military Lending Act (MLA). Any account or collection action that is misreported or invalid violates my federal protections and opens Exeter Finance to legal consequences under 50 U.S.C.  3937 and 10 U.S.C.  987.\n\n\n\n DEMAND FOR CORRECTIVE ACTION\n\nI hereby formally demand that you:\n\t1.\tDelete this account from all credit reporting aXXXX XXXX XXXX XXXX)\n\t2.\tCease all collection efforts and third-party disclosures\n\t3.\tProvide all documents used in your investigation, including application data, signature logs, and verification methods\n\t4.\tReport this matter resolved to the CFPB\n\n\n\nIf you do not provide written confirmation of deletion and compliance within 15 calendar days, I will escalate this matter to:\n\t\tThe Federal Trade Commission (FTC)\n\t\tThe XXXX XXXX XXXX XXXX)\n\t\tMy private attorney for civil litigation under FCRA  1681n and  1681o\n\n\n\nThank you for your immediate attention to this matter.\n\nSincerely,\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation