Credit reporting, credit repair services, or other personal consumer reports -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #6212900
Complaint Overview
Complaint ID: 6212900
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: Florida
ZIP Code: 33169
Date Received: 2022-11-16T12:00:00-05:00
Date Sent to Company: 2022-11-16T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
It may be a companies policy to report late payments to your consumer report. However according to 15 US code 1681 a paragraph 2 title exclusions sub chapter A 9 Transactions are not included in the consumer report. A late payment is a form of transitional history, therefore it is a form of transaction. So by reporting this to my consumer reports violates this law. So you are in violation of the Fair Quarter Reporting Act.. Please update late payments to paid or further actions will accrue
Frequently Asked Questions
What is Complaint #6212900 about?
Complaint #6212900 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 2022-11-16T12:00:00-05:00.
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 (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.