Consumer complaint received 2024-01-11
Company: Westlake Services, LLC
State: CO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Ca XXXX Subject : Opt-Out Request and Notice of Violations Under the Fair Credit Reporting Act Dear XXXX, XXXX XXXX and Westlake Portfolio Management , I am writing to bring to your attention several concerns and violations of the Fair Credit Reporting Act ( FCRA ) as outlined in the United States Code XXXX 
DATE OPENED XX/XX/2018 According to 15 USC 1681, section 602 ( a ), the Congress emphasizes the importance of ensuring that consumer reporting agencies exercise their responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. XXXX and XXXX, being consumer reporting agencies, are bound by these principles, as am I, the consumer.

15 USC 6801 underscores the policy that financial institutions, including Westlake Portfolio Mgmt/, have an affirmative obligation to respect the privacy of their customers and protect the security and confidentiality of nonpublic personal information. 

However, I wish to assert my rights under 15 USC 1681, section 604 ( a ) ( 2 ), which states that a consumer reporting agency may only furnish a consumer report in accordance with the written instructions of the consumer. I have not provided written consent for the sharing of my information, and therefore, any assumed consent is hereby revoked. 

Furthermore, according to 15 USC 6802 ( b ) ( c ), a financial institution must not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how they can exercise the nondisclosure option. Westlake Portfolio Mgmt/ failed to inform me of my right to exercise this option.

In addition, 15 USC 1681c ( a ) ( 5 ) prohibits consumer reporting agencies from making consumer reports containing adverse information without explicit consent. The reporting of adverse information by XXXX and XXXX without my permission constitutes a violation of this provision. 

Under 15 U.S. Code 1681s2 ( A ) ( 1 ) A, a person must not furnish inaccurate information to a consumer reporting agency. I demand that you cease furnishing any information related to me until you can verify its accuracy. 

XXXX and XXXX are obligated by 15 USC 1681e to maintain reasonable procedures designed to avoid violations of the FCRA. The reported violations indicate a failure to uphold this obligation. 

Lastly, in accordance with 12 CFR 1016.7, I am hereby exercising my right to opt-out of your reporting services. I expect prompt action to address these concerns and to cease any further unauthorized disclosures of my information. 

Please provide a written response within 30 days detailing the actions taken to correct these violations and confirm my opt-out request. If you require any additional information to process this request, kindly inform me promptly. 

Thank you for your immediate attention to this matter. 

Sincerely, 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