Credit reporting, credit repair services, or other personal consumer reports -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #5300952
Complaint Overview
Complaint ID: 5300952
Company: Exeter Finance, LLC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-Issue: Their investigation did not fix an error on your report
State: Ohio
ZIP Code: 44011
Date Received: 2022-03-08T12:00:00-05:00
Date Sent to Company: 2022-03-08T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XX/XX/XXXX, I Reached out to the Main CRAs requesting a updated copy of my credit report, upon reviewing I noticed that a auto loan ( EXETER FINANCE ) was erroneous reporting inaccurate information on my profile putting me as a consumer at great risk and jeopardizing the integrity of my credit, so I decided to challenge the inaccuracy Exeter Finance put on my credit profile, as a consumer which I have the right to take any action I feel is necessary to make sure everything on my credit is as it appears 100 % accurate, well while doing so I stumbled across some information that was reported in accurate so I reached out to the 3 credit bureaus asking can this issue get a further investigation unfortunately only response I received from the credit bureaus was that the information was verified accurate which in fact is false I know this for a fact because I have via certified letters from the direct furnisher to support my allegations, so I found what the credit report reported was not only invalided but by law I believe they have violated the FCRA laws with what they have allowed to be reported as accurate unfortunately. Not only did they say back in XX/XX/XXXX they had the vehicle in there possession which was being auctioned off at one of there facilities but also the opening bid will open at {$7200.00} how is that so when XXXX XXXX when I reached out regarding this account they say the balance is still {$28000.00} thats contradicting not only for EXETER FINANCE BUT ALSO FOR XXXX, XXXX, XXXX with what they have allowed to be reported in the first place while being non compliant, I have invested time, energy and money into getting justice for this battle between us I believe also that this account is out of the statue of limitations, Im asking that you remove this account off of my credit report Expeditiously once removed please send me confirmation via letter of removal Thanks.
Frequently Asked Questions
What is Complaint #5300952 about?
Complaint #5300952 was filed against Exeter Finance, LLC. regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Problem with a credit reporting company's investigation into an existing problem. It was received by the CFPB on 2022-03-08T12:00:00-05:00.
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 (Credit reporting, credit repair services, or other personal consumer reports) 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.