Debt collection -- Attempts to collect debt not owed -- Complaint #5114994
Complaint Overview
Complaint ID: 5114994
Company: Exeter Finance, LLC.
Product: Debt collection
Sub-Product: Auto debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt was paid
State: Florida
ZIP Code: 33313
Date Received: 2022-01-16T12:00:00-05:00
Date Sent to Company: 2022-01-16T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
I need your help in a serious matter involving my credit report. After reviewing my credit, I have realized that you might be reporting damaging information to my name. I'm aware that section 609 of the FCRA requires that you have a contract with my signature. Please forward me all documentation on this account or remove it from my credit report. Falure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I Will be seeking up to {$5000.00} in damages lo 1 ) Detamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, since you are clearly doing business in my area. As I can see the account was close since XXXX I paid full balance in XXXX but base on law if account is close ITS ILLEGAL TO REPORT ACCOUNT OPEN AS OF XX/XX/XXXX BECAUSE ITS PAID IN FULL AND NOT OPEN PLEASE REMOVE ASAP FROM ALL XXXX CREDIT BUREAUS
Frequently Asked Questions
What is Complaint #5114994 about?
Complaint #5114994 was filed against Exeter Finance, LLC. regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2022-01-16T12:00:00-05:00.
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.