Consumer complaint received 2023-06-20
Company: Westlake Services, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Dear Westlake Financial Services, I am writing to express my extreme dissatisfaction and anger regarding the inconsistent and incorrect reporting about my account with your company. It has come to my attention that there have been multiple discrepancies in your reporting, particularly in relation to late payments, which I vehemently deny. 

According to your records, there is a late payment reported for my account for both XX/XX/XXXX and XX/XX/XXXX. However, I want to bring to your immediate attention that these late payment records are completely erroneous. I have never been late on any payments, and it is absolutely unacceptable that you have falsely reported otherwise. Such inaccurate reporting not only tarnishes my credit history but also violates my rights under the Fair Credit Reporting Act ( FCRA ). 

The FCRA clearly stipulates that consumer reporting agencies, such as Westlake Financial Services, must maintain accurate and up-to-date information about consumers ' accounts. Section 1681s-2 ( a ) ( 1 ) ( A ) of the FCRA explicitly requires that information furnishers, like yourselves, have a duty to correct inaccurate information and promptly notify the consumer reporting agencies of any corrections. Your failure to adhere to these legal obligations is deeply concerning and represents a severe violation of my rights.

To rectify this matter immediately, I kindly request that you take the following actions : 1. Correct the erroneous late payment records for XX/XX/XXXX and XX/XX/XXXX on my account, and update your records to reflect the accurate and timely payments I have made. 
2. Notify all consumer reporting agencies to which you have previously reported this inaccurate information and request that they update their records accordingly. 

I would also like to inform you that, due to the seriousness of this matter, I have submitted a formal dispute with both the Consumer Financial Protection Bureau ( CFPB ) and the XXXX XXXX XXXX ( XXXX ). I have provided them with detailed documentation and evidence to support my claim of inaccurate reporting and violation of the FCRA. I trust that these agencies will thoroughly investigate my complaint and take appropriate action against Westlake Financial Services. 

It is imperative that you address this issue promptly and efficiently. I expect a written response from your company within 30 days of receiving this letter, confirming the corrections made to my account and providing evidence of your communication with the consumer reporting agencies regarding the rectification of the inaccurate information. 

Please be aware that if this matter is not resolved satisfactorily and my credit history remains tainted, I will have no choice but to pursue all available legal remedies to protect my rights, including but not limited to, initiating a lawsuit against Westlake Financial Services. 

I anticipate your immediate attention to this matter and a swift resolution. I trust that you understand the gravity of this situation and will take the necessary steps to rectify the inaccuracies without further delay. Failure to do so will leave me no choice but to pursue all available avenues to ensure my rights are upheld. 

ATTACHED ARE THE SCREENSHOTS OF YOUR INCORRECT REPORTING!!! 

Thank you for your immediate attention to this matter. 

Sincerely,

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