Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #18055931
Exeter Finance Accused of Reporting Incorrect Personal Information on Credit Reports
Complaint Overview
Complaint ID: 18055931
Company: Exeter Finance, LLC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Information belongs to someone else
State: Pennsylvania
ZIP Code: 19132
Date Received: 2025-11-30T12:00:00-05:00
Date Sent to Company: 2025-11-30T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Risk Assessment
Risk Level: medium
The presence of incorrect personal information on a credit report can negatively impact a consumer's ability to obtain credit, housing, or employment, and may lead to identity theft concerns.
Consumer Sentiment: negative
Topics: Credit Reporting, Incorrect Information, Identity Misattribution
AI Analysis
CFPB complaint 18055931 was filed against Exeter Finance, LLC. regarding Credit reporting or other personal consumer reports (Credit reporting), specifically about "Incorrect information on your report". A consumer reported that incorrect information, specifically information belonging to someone else, appeared on their credit report, which was issued by Exeter Finance, LLC. The complaint was received on November 30, 2025 from Pennsylvania. The company responded with "Closed with explanation".
What You Should Do -- Consumer Action Plan
Consumers should regularly review their credit reports for accuracy and dispute any errors with the credit reporting agency and the furnisher of the information.
Legal Context & Consumer Protection Laws
The Fair Credit Reporting Act (FCRA) requires credit reporting agencies and furnishers of information to ensure the accuracy of consumer reports and to investigate disputes.
Regulatory Insight
This case highlights the importance of robust data verification processes by credit furnishers to prevent the reporting of inaccurate or misattributed consumer information.
Resolution Likelihood
likely
State-Specific Consumer Protections
In Pennsylvania, consumers have rights under state and federal law to ensure the accuracy of their credit reports.
Industry Comparison
Credit reporting agencies and financial institutions are frequently involved in disputes over inaccurate information, with varying degrees of resolution.
Related Issues
Frequently Asked Questions
What is CFPB complaint 18055931 about?
CFPB complaint 18055931 involves Credit reporting or other personal consumer reports (Credit reporting). The consumer reported an issue with "Incorrect information on your report", specifically "Information belongs to someone else". This complaint was filed against Exeter Finance, LLC. on November 30, 2025.
Which company is complaint 18055931 filed against?
Complaint 18055931 was filed against Exeter Finance, LLC.. You can view all complaints against this company on their profile page at /company/exeter-finance-llc.
What was the company's response to complaint 18055931?
Exeter Finance, LLC. responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 18055931 filed?
Complaint 18055931 was received by the CFPB on November 30, 2025. It was sent to Exeter Finance, LLC. on November 30, 2025.
What state was complaint 18055931 filed from?
Complaint 18055931 was filed from Pennsylvania. You can view all complaints from this state at /state/PA.
Was the consumer satisfied with the resolution of complaint 18055931?
Dispute information is not available for complaint 18055931.
What product category is complaint 18055931 about?
Complaint 18055931 is categorized under "Credit reporting or other personal consumer reports", specifically "Credit reporting". This is one of the product categories tracked by the CFPB.
How was complaint 18055931 submitted?
Complaint 18055931 was submitted via Web. The CFPB accepts complaints through web, phone, mail, email, fax, and referral channels.
What are the consumer's legal options for complaint 18055931?
The Fair Credit Reporting Act (FCRA) requires credit reporting agencies and furnishers of information to ensure the accuracy of consumer reports and to investigate disputes. This relates to a Credit reporting or other personal consumer reports complaint against Exeter Finance, LLC. involving "Incorrect information on your report".
How likely is complaint 18055931 to be resolved?
Resolution likelihood: likely. The company's current response is "Closed with explanation". The company did respond in a timely manner, which is a positive indicator.
What does the risk level mean for complaint 18055931?
This complaint is rated as medium risk. The presence of incorrect personal information on a credit report can negatively impact a consumer's ability to obtain credit, housing, or employment, and may lead to identity theft concerns.
What regulatory actions apply to complaint 18055931?
This case highlights the importance of robust data verification processes by credit furnishers to prevent the reporting of inaccurate or misattributed consumer information. The CFPB tracks complaints like this one to identify patterns of misconduct across the Credit reporting or other personal consumer reports industry.
What should the consumer do about complaint 18055931?
Consumers should regularly review their credit reports for accuracy and dispute any errors with the credit reporting agency and the furnisher of the information.
Are there state-specific protections for complaint 18055931?
In Pennsylvania, consumers have rights under state and federal law to ensure the accuracy of their credit reports. This complaint was filed from Pennsylvania.
How does complaint 18055931 compare to industry norms?
Credit reporting agencies and financial institutions are frequently involved in disputes over inaccurate information, with varying degrees of resolution.
What steps should a consumer take if they discover information belonging to someone else on their credit report?
The consumer should immediately dispute the inaccurate information with the credit bureau and the company that reported it, providing evidence to support their claim.
What are the potential consequences for Exeter Finance if the inaccurate reporting is confirmed?
Exeter Finance could face penalties under the FCRA, including legal action from the consumer and potential fines from regulatory bodies.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.