Consumer complaint received 2024-01-11
Company: Westlake Services, LLC
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Attention : Registered Agent To : BUSINESS ENTITY THAT IS AUTHORIZED TO TRANSACT BUSINESS Attn : Compliance Department From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Notice of Intent to FILE Lawsuit To Whom It May Concern This alleged account # XXXX is not my account and I will not pay this account. 

Let this letter serve as a formal notice of my Intent to file a Lawsuit against your Company Westlake Portfolio Management due to your blatant disregard and violation of the FCRA laws. The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living, and my ability to obtain personal credit for household purposes. 
Please Note : [ pursuant to 1681i ( a ) ], a credit bureau must bear some responsibility for evaluating the accuracy of information obtained from subscribers. Id. ( citing Swoager v. Credit Bureau of Greater St. Petersburg, 608 F.Supp. 972, 976 ( M.D.Fla.1985 ) ). 

I have experienced emotional, character, and economic losses due to Westlake Portfolio Management and I will be seeking punitive and monetary damages which will include any Applicable Attorney and court filing fees as such. 

This account was disputed on all three credit reporting agencies and Deleted by XXXX and XXXX ; however, Westlake Portfolio Management is still verifying on XXXX. This is 100 % not accurate reporting on my credit file. This is ridiculous and a violation of my rights! 

Violations of my Rights to Privacy : 15 U.S.C. 1681 - U.S. Code - Unannotated Title 15. Commerce and Trade 1681. ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine public confidence which is essential to the continued functioning of the banking system. I have a right to privacy. I never granted Westlake Portfolio Management to report my information to any credit bureau. 

Violations of my Rights to have credit report free of any errors or commissions : 15 U.S. Code 1681- Congressional findings and statement of purpose which states : The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine public confidence which is essential to the continued functioning of the banking system. Accurate and correct in all details, exactly free from error especially as the result of care Westlake Portfolio Management has violated the law and repeatedly reported inaccurate and incomplete information on my account for months. 

Violations of 15 U.S. Code 1681a - ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Westlake Portfolio Management has repeated this account as late ; II never had a payment schedule with this company and it is a collection from a charged-off debt and with a charged-off account there is no expected date of payment. Why? Because it is a charged-off account. However, Westlake Portfolio Management has been deceptively and maliciously reporting this account late on my credit report because it dinging my account and is like a late payment hitting my account each month. This is hurting my credit score and making it almost impossible for my credit score to improve. Westlake Portfolio Management practicing Debt Parking purposely on my credit report. 

Westlake Portfolio Management has repeatedly reported this account XXXX late every month. This is a charge-off account that can not be reported as late because IT IS A CHARGED OFF ACCOUNT ; however, Westlake Portfolio Management repeatedly reports this account XXXX as late on my credit report every month. Also, please see the attached document in which the High Credit Amount, Date of Last Reported, and Date of Last Active are reporting various information on the XXXX and XXXX credit reports. They do not even report the information evenly and accurately across all three credit reporting. This Violation of the FCRA. Westlake Portfolio Management has been repeatedly dinging and reporting this account XXXX every month to further malign and damage my credit account. These are malicious and fraudulent acts that are being committed against me and my character. 
( A ) Reporting information with actual knowledge of errors if a violation of FCRA. 
I demand this account be removed immediately from my credit report and submit a remittance in the amount of XXXX per violation of my FCRA rights. 
XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation