Debt collection -- Attempts to collect debt not owed -- Complaint #4813295
Complaint Overview
Complaint ID: 4813295
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: Georgia
ZIP Code: 30338
Date Received: 2021-10-15T12:00:00-05:00
Date Sent to Company: 2021-10-15T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
My identity was stolen in XXXX and I am still attempting to get certain incorrect information removed from my report that resulted from the fraudulent activity. I first filed a police report regarding a fraudulent Exeter account in XXXX but the account has remainined on my report thus far. I learned that the account could also be disputed with the bureaus as well. I began disputing with XXXX and XXXX in XXXX of this year, and I have sent monthly dispute letters via certified mail. I have also reached out to Exeter directly multiple times in order to point out that this account was opened by someone who had stolen my information. My first letter to Exeter was sent on XX/XX/XXXX via certified mail ( XXXX ). When this letter went unanswered I sent a follow-up estoppel by silence letter on XX/XX/XXXX. I received a response from Exeter where they requested some information from me such as my SSN, picture of ID, and FTC affidavit which I was more than happy to supply. I faxed them over the requested documents on XX/XX/XXXX. Despite the police report and FTC affidavit I supplied, Exeter has NOT removed the fraudulent account, nor have they provided me with any explanation on why they could not remove the information. I am simply trying to fix the errors on my report and move on with my life. It is a FCRA and FDCPA violation to continually report this disputed account which resulted from Identity theft.
Frequently Asked Questions
What is Complaint #4813295 about?
Complaint #4813295 was filed against Exeter Finance, LLC. regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2021-10-15T12:00:00-05:00.
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.