Consumer complaint received 2025-08-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: Exeter Finance, LLC.
State: WI

Complaint narrative:
Complainant : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX Against : Exeter Finance LLC XXXXXXXX XXXX XXXX XXXX, TX XXXX Subject : Unlawful Repossession, Failure to Provide Notices, Deprivation of Personal Property, and FCRA Violations Summary of Complaint I am filing this complaint against Exeter Finance LLC ( Exeter ) for violations of the XXXX XXXX XXXX ( XXXX ), repossession statutes, and the Fair Credit Reporting Act ( FCRA ). Exeter unlawfully repossessed my XXXX XXXX XXXX ( VIN : XXXX ) without providing the required statutory notices. Despite repeated disputes and requests, Exeter has never provided proof that these notices were mailed by certified or verifiable means. 

Exeter also deprived me of access to my personal property contained in the vehicle at the time of repossession, which is a separate violation of Wisconsin law. Further, Exeter continues to report derogatory information to the credit bureaus despite these violations and has ignored my requests for compensation and tradeline deletion. 

If Exeter continues to ignore my requests, I will be pursuing legal action for damages, statutory penalties, and tradeline removal. 

Violations of Wisconsin Repossession Law 1. Failure to Provide Right-to-Cure Notice Wisconsin law ( Wis. Stat. 425.105 ; 422.413 ) requires creditors to send a written notice of default and allow 15 days to cure before repossession. 
Exeter alleges that a notice was mailed on XX/XX/XXXX, but I never received it. Exeter has provided no certified mail receipt, proof of mailing, or delivery confirmation. 
Courts have held that failure to provide statutory notice invalidates a repossession ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) ). 
2. Improper Repossession The vehicle was repossessed on or about XX/XX/XXXX. Without proper notice, the repossession violated the XXXX. 
Unlawful repossession also bars enforcement of any alleged deficiency balance under Wis. Stat. 425.109. 
3. Failure to Allow Recovery of Personal Property Wisconsin law protects a consumers right to reclaim personal property from a repossessed vehicle. 
Exeter and its agents never gave me an opportunity to retrieve my belongings. This constitutes conversion and a violation of the XXXX. 
Courts recognize wrongful repossession and deprivation of personal property as actionable damages ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX ), often cited in wrongful repossession disputes regarding personal effects ). 
4. Deficiency Balance Exeter claims I owe a deficiency balance of {$19000.00} after resale of the vehicle ( per letter dated XX/XX/XXXXXXXX  ). 
Since the repossession itself was unlawful, Exeter is barred from collecting or reporting any deficiency balance under Wisconsin law. 

FCRA Violations 1. Failure to Conduct Reasonable Reinvestigation I disputed Exeters tradeline with XXXX, XXXX, and XXXX. 
Instead of obtaining or producing proof of notices, Exeter simply reviewed its own records and verified the account. 
This constitutes a failure to conduct a reasonable reinvestigation under 15 U.S.C. 1681i. See XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX XXXX XXXXXXXX ) ( holding that reinvestigations must go beyond mere reliance on the furnishers initial records ). 
2. Reporting False & Misleading Information Reporting a tradeline tied to an illegal repossession and an unenforceable deficiency balance violates 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ).

Furnishers can not report information they know or should know is inaccurate. See XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ). 
3. Failure to Correct After Notice of Dispute Despite my disputes, Exeter continues to report the account, which violates 15 U.S.C. 1681s-2 ( b ). 
Case law ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) ) confirms that reporting a disputed debt without reasonable investigation can create FCRA liability. 

Ignored Requests for Compensation & Deletion I requested deletion of the tradeline and compensation for damages caused by Exeters unlawful repossession and continued reporting.

Exeter has ignored these requests. 
If Exeter continues to refuse, I will pursue litigation for damages, penalties, and attorneys fees under the XXXX and FCRA. 
. 
Wisconsin statutes ( Wis. Stat. 422.413, 425.105, 425.104, 425.109 ) Relevant case law : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) improper repossession voids deficiency claims XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) reinvestigations must be reasonable XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) inaccurate reporting creates liability XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXXXXXX XXXX XXXXXXXX ) continued reporting of disputed debt can violate FCRA

Company response to consumer: Closed with explanation