Consumer complaint received 2024-12-03 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: NC

Complaint narrative:
Im writing in regards to a derogatory mark left on my credit report from your agency. This is not a refusal to pay. However, this is a notice made pursuant to the Fair Debt Collection Practice Act, Gramm Leach Bliley Act informing you that I am requesting validation and that your claim is disputed. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to FDCPA and FCRA t ( FCRA ) 611 ( a ) ( 1 ) ( A ). I respectfully request that your offices provide me with competent evidence ( contract with my signature on it ) that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time Additionally I will be requiring documentation To prove that opt-out disclosures were sent as required. These are the federally accepted methods 1. Written Records : Mailing Logs : Maintain detailed records of all disclosures sent, including the date, recipient 's address, and tracking information ( if applicable ).

Electronic Records : For disclosures sent electronically, keep a log of email addresses or other electronic identifiers, along with timestamps and confirmation of delivery.

Physical Copies : If physical copies were sent, retain a copy of the disclosure and proof of mailing ( e.g., certified mail receipt ).

2. System Audits : Database Checks : Regularly audit the company 's database to ensure that all consumers have received the required disclosures.

System Logs : Review system logs to verify that disclosures were generated and sent to the correct recipients.

3. Consumer Acknowledgement : Opt-Out Forms : If consumers affirmatively opt out, obtain their written or electronic signature on an opt-out form, which serves as proof of receipt and understanding.

Consent Records : If the disclosure is part of a larger agreement or consent form, ensure that the consumer has signed or electronically agreed to the terms, including the opt-out notice.

I will also inform you that if your offices continue reporting invalidated information to any of the three ( 3 ) major Credit Bureaus ( XXXX, XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws and I will not waver to seek legal action against your company or any company that you represent for the following : FDCPA Violation of the Fair Credit Reporting Act ( FCRA ) Negligent Enablement of Imposter Fraud Libel/ Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel in order to file suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX, and XXXX } request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer-generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by XXXX. It would be advisable that you assure me your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose. If the information can not be validated please remove, delete, return and destroy all information that should be kept secure and confidential. If terms are not met within 30 days I will be reporting this agency to the IRS, SEC, FTC, XXXX, OIG, XXXX, OCC, US Marshall Service, US Attorney General and State Attorney General.

Company response to consumer: Closed with explanation