Consumer complaint received 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Exeter Finance, LLC.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX MD. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Formal Dispute of Inaccurate Reporting and Unlawful Inquiry To Whom It May Concern, I am writing to formally dispute inaccurate and unlawful information appearing on my XXXX and XXXX credit reports. Under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, I am requesting an immediate investigation and removal of the following erroneous and unauthorized entries : 1. Exeter Finance - Unlawful Reporting of a Charge-Off Creditor : Exeter Finance Date Added to Report : XX/XX/XXXX Charge-Off Date : XX/XX/XXXX Credit Bureaus Affected : XXXX, XXXX Per FCRA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, derogatory accounts, including charge-offs, may not be reported for more than XXXX years plus XXXX days from the date of first delinquency. Since the original charge-off occurred on XX/XX/XXXX, the reporting period expired in XX/XX/XXXX. Therefore, this account should have been permanently deleted and its reappearance is a clear violation of federal law. 
I demand the immediate removal of this outdated and inaccurate entry from my credit reports. 
2. Exeter Finance - Unlawful Hard Inquiry on XXXX Date of Inquiry : XX/XX/XXXX Credit Bureau Affected : XXXX Exeter Finance made an unauthorized inquiry on my XXXX report without my express written consent, violating FCRA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Since I did not apply for credit, authorize, or initiate any business transaction with Exeter Finance, they had no permissible purpose to access my credit report. 
As per FCRA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, a hard inquiry requires my explicit authorization, which was never provided. This constitutes a violation of my rights, and I demand the immediate removal of this inquiry from my XXXX credit report. 
XXXX Requested XXXX to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I formally request : 1. The immediate deletion of the unlawfully reinserted charge-off from my XXXX and XXXX credit XXXX. 
2. The immediate deletion of the unauthorized XXXX inquiry from my report. 
3. Written confirmation of these removals within XXXX days, as required by the FCRA. 
Notice of Intent to File Complaint If these inaccurate and unlawful entries are not removed within the XXXX timeframe, I will file complaints with the Consumer Financial Protection Bureau XXXX CFPB ), the Federal Trade Commission XXXX FTC ), and my State Attorney Generals Office. I am prepared to seek legal remedies, including statutory damages for willful noncompliance under FCRA XXXX ( XXXX U.S.C. XXXX ). 
Attachments I have enclosed copies of my credit report with the disputed items highlighted. 
Please investigate and correct these violations immediately. I look forward to your written confirmation of these deletions. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation