Debt collection -- Attempts to collect debt not owed -- Complaint #18356864
Complaint Overview
Complaint ID: 18356864
Company: Exeter Finance, LLC.
Product: Debt collection
Sub-Product: Auto debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt was result of identity theft
State: Nevada
ZIP Code: 89102
Date Received: 2025-12-29T12:00:00-05:00
Date Sent to Company: 2025-12-29T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/XXXX, I noticed that an automobile loan account from Exeter Finance LLC # XXXX my XXXX credit report. The account shows a balance of {$18000.00}, but I have never financed or leased a vehicle through that company. I contacted XXXX on XX/XX/XXXX, and submitted a dispute through their online portal, providing supporting documents to show I do not have any account with that lender. On XX/XX/XXXX, I received a response stating the account had been verified as accurate, but no additional documentation or explanation was provided. I have also contacted the lender directly, but they confirmed that they do not have an account under my information. Despite this, the incorrect automobile loan remains on my XXXX credit file and continues to affect my credit score. I am requesting that XXXX conduct a full reinvestigation of this account and remove the inaccurate automobile loan from my credit report.
Frequently Asked Questions
What is Complaint #18356864 about?
Complaint #18356864 was filed against Exeter Finance, LLC. regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2025-12-29T12:00:00-05:00.
How did Exeter Finance, LLC. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Debt collection) and describe your issue in detail.
Can I see other complaints against Exeter Finance, LLC.?
Yes, visit the Exeter Finance, LLC. company profile at readthecomplaint.com/company/exeter-finance-llc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.