Product: Credit reporting or other personal consumer reports

This complaint is submitted against Westlake Financial and XXXX for multiple willful violations of the Fair Credit Reporting Act ( FCRA ), including illegal re-aging, misrepresentation of account status, and failure to provide legally required documentation. Despite multiple disputes, the inaccurate and unverifiable reporting persists, causing undue harm to my credit profile. The original credit that this company is reporting is ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

FCRA Violations Committed by Westlake Financial & XXXX FCRA 1681s-2 ( a ) ( 1 ) ( A ) Reporting Inaccurate Information Westlake Financial reported both R ( Repossession ) for XX/XX/XXXX and R for XX/XX/XXXX, creating a material inconsistency that calls into question the accuracy of their reporting. 

They now claim the charge-off occurred in XX/XX/XXXX, yet their own prior reporting indicates XX/XX/XXXX and XX/XX/XXXX as repossession dates. 

Westlake Financial and XXXX have failed to produce any legally sufficient documentation to substantiate these conflicting reports, rendering their continued reporting inaccurate and unverifiable in violation of FCRA 1681s-2 ( a ) ( 1 ) ( A ).

FCRA 1681s-2 ( a ) ( 1 ) ( B ) Misrepresentation of Account Status & Algorithm Manipulation Westlake Financial falsely reported this account as open after it was charged off in XXXX up until I disputed this several times for several years to get it closed, instead of properly marking it as closed in XXXX. It is now XXXX and a dispute I made this year got it closed. 

By keeping the account open and reporting a new charge-off date for XX/XX/XXXX, they deliberately manipulated credit scoring algorithms to register CO ( Charge-Off ) every month, making it appear as ongoing missed payments rather than a single charge-off event. The algorithm picks this up as extreme missed payments and extreme charge offs. 

Additionally, they reported four missed payments in XXXX despite the account already being charged off in XXXX, which is factually impossible and a blatant misrepresentation designed to harm my credit score.

FCRA 1681c ( a ) ( 4 ) Illegal Re-Aging of Debt Westlake Financial illegally re-aged the account by reporting a modified closed account and charge-off date as XX/XX/XXXX, instead of reflecting the original charge-off and closed date from XXXX. 

This is an explicit attempt to extend the reporting period, which is prohibited under FCRA 1681c ( a ) ( 4 ).

FCRA 1681s-2 ( b ) Failure to Investigate & Remove Unverified Accounts Multiple disputes have been submitted, yet Westlake Financial and XXXX continue to report an unverified and inaccurate account. 

Instead of removing the account, they make minor modifications while still reporting misleading and inaccurate damaging information. 

This constitutes a willful violation of FCRA 1681s-2 ( b ) and requires enforcement action.

Failure to Provide Required Documentation FCRA 1681g Westlake Financial has failed to provide the Chain of Custody, Bill of Sale, Wet signature contract, and Assignment Agreement, which are legally required to validate the legitimacy of the reported debt. 

Instead, they only provided an Itemized Account Statement, which does not meet validation standards under the FCRA and does not prove ownership or assignment of the account.

Additionally, they have failed to provide proper documentation supporting their conflicting reports of the repossession in both XX/XX/XXXX and XX/XX/XXXX. 

Failure to Remove Unverified Account After Multiple Disputes Despite several disputes, XXXX has failed to remove Westlake Financials unverifiable account. 

Under FCRA 1681i ( a ) ( 5 ), credit bureaus are required to delete unverifiable accounts after reinvestigation.

Their continued failure to comply is a direct violation of FCRA 1681i ( a ) ( 5 ) and warrants immediate enforcement.

Pattern of Deceptive & Unlawful Conduct Westlake Financials pattern of modifying account details to inflict maximum credit damage is a willful violation of FCRA and UDAAP ( 12 U.S.C. 5531 & 5536 ), which prohibits 
unfair and deceptive practices in consumer financial transactions.

Regulatory & Legal Escalation Should this matter remain unresolved, I will take the following actions : Initiation of civil litigation under FCRA 1681n & 1681o for damages, including statutory penalties and legal costs.