The Complete Timeline

 This is my original CFPB complaint filed against Exeter Finance regarding an identity theft account fraudulently opened in my name. As shown in this complaint, I attached my FTC Identity Theft Report when the complaint was submitted. Despite later claiming they needed my FTC Identity Theft Report to investigate, Exeter already had it from the very beginning. This document demonstrates that the co

 Exeter Finance acknowledged receiving my CFPB complaint and confirmed my identity theft claim had been forwarded to its Investigations Team. The company requested additional documentation, including my FTC Identity Theft Affidavit, police report, driver's license, and Social Security card. This document establishes that Exeter had actual notice of my identity theft claim in March 2026 and began i

 I filed a second CFPB complaint after Exeter Finance continued reporting the fraudulent account. I cited multiple FCRA violations, requested all records related to the account, and again attached my FTC Identity Theft Report. This complaint demonstrates Exeter had repeated notice of my identity theft claim yet continued reporting the account. 

 Exeter Finance denied my dispute, claimed the account information was accurate, and refused to remove the fraudulent tradeline. Despite already receiving my FTC Identity Theft Report, Exeter again requested additional documentation, demonstrating the company continued delaying its investigation rather than resolving the identity theft claim. 

 This email was sent directly to Jason Grubb, CEO of Exeter Finance, as a final attempt to resolve my identity theft claim before pursuing legal action. I requested an executive review, explained that I had already provided extensive supporting documentation, and warned that if the fraudulent account continued to be reported, I would pursue all available legal remedies. 

 I filed another CFPB complaint after Exeter Finance closed my identity theft case without conducting a meaningful investigation or providing any explanation. Despite receiving my documentation, Exeter informed me that future communications were unlikely to change the outcome. I also documented that I sent a Notice of Intent to Sue by UPS, which was delivered and signed for by Exeter. 

Page 3 of June's filing

 Exeter Finance responded to my latest CFPB complaint by once again refusing to remove the fraudulent tradeline. Despite months of prior complaints and documentation, the company maintained its position and again requested a police report, demonstrating its continued refusal to resolve my identity theft claim despite repeated notice and supporting evidence. 

 I filed a complaint with the Texas Attorney General's Consumer Protection Division regarding Exeter Finance's handling of my identity theft claim. The Texas Attorney General acknowledged receipt of my complaint and assigned case number TCP-050287 for review. 

 After I challenged Exeter Finance's handling of my identity theft claim, the company responded by describing my email as "very inappropriate." Exeter stated the matter had been forwarded internally, advised me to allow additional time for its investigation, and warned that future emails like mine were unlikely to increase the likelihood of a favorable outcome. This response did not address the me

This UPS tracking record confirms that my Notice of Intent to Sue was delivered to Exeter Finance's headquarters in Irving, Texas, and signed for by Garcia at 10:21 A.M. This serves as proof that Exeter received formal notice before additional legal and regulatory action was pursued. 

Voicemail Carey was leaving this morning, and I picked up the phone and spoke to her. She said she was going to handle it right away.

Proof that I spoke with Carey from OPP at 9:33 AM this morning, however they are sending emails claiming they can't reach me.

 After months of documented attempts to resolve my identity theft complaint, I finally received an email from Exeter Finance's Office of the President. Interestingly, the email claimed they were "unsuccessful in reaching" me, despite my phone records showing a 5-minute conversation with their representative, Carrie, at 9:33 AM that same day. As always, the email, voicemail, and call records have a

My reply to their email