Consumer complaint received 2017-11-18
Company: Westlake Services, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
To Whom It May Concern : I was reviewing my credit file I noticed that Westlake Financial are in possession of a collection account that I have no knowledge of, and for which I never received a notice of debt from the company prior to reporting this information as required by FDCPA, 15 USC 1692g Sec. 809 ( a ). This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION. I respectfully request that Westlake Financial offices provide me with competent evidence that I have any legal obligation to pay them. 

I am willing to excuse this violation as an oversight on their part, yet now that I am aware of this alleged debt, I am exercising my rights under FDCPA, 15 USC 1692g Sec. 809 ( b ) and put Westlake Financial on notice that their claim is hereby disputed and validation is requested. 

Be advised this is not a refusal to pay, but a notice that Westlake claim is disputed and validation is requested. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt they say I owe Westlake Financial. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt.
At this time, I will also inform Westlake that if their offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ),  this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by the company or the company they represent, i will not hesitate in bringing in legal actions. 
If Westlake Financial offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with an attorney to pursue my legal options. 

This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If Westlake offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.. 


Ive asked Westlake Financial to provide the following below and have not heard anything back. 

Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful.. 



Best Regards, XXXX XXXX

Company response to consumer: Closed with explanation