Consumer complaint received 2018-06-24
Company: Westlake Services, LLC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Westlake threatened that I pay or my credit would be ruined. I was in XXXX and now I'm XXXX. I cant XXXX and I suffered XXXX XXXX to my XXXX and I can XXXX XXXX. I told them said said there is nothing they could do. the date is XX/XX/XXXX for XXXX. they said I must pay they don't care. they made me feel like XXXX XXXX again. I'm so XXXX My Account Sign Out Overview Credit Reports Alerts Protection Credit Tools XXXX Poor As of : XX/XX/XXXX Print Report Personal Information Score Factors Your credit score is calculated using 5 factors. 
40 % Payment History 35 % Outstanding Debt 10 % Account Types 10 % Credit Age 5 % New Activity = 100 % Your Credit Score Payment HistoryPoor Paying your bills on time is the single most important thing you can do for your credit score, this shows creditors that you are willing and able to meet all your obligations. 
1 Collection Accounts 4 Delinquent Accounts 0 Public Records 4 Late Payments 86 % of on time payments Compare your rating on this score factor across all bureaus to ensure correct reporting. 
Compare Now Outstanding DebtExcellent Keeping your balances low compared to your available credit shows creditors you are able to manage your debt and your budget is likely in line. Keeping your balances under 30 % is a good rule of thumb but keeping them under 10 % ( but greater than 0 % ) is your ideal target.

{$3300.00} Total Credit Usage {$34000.00} Total Credit Limit 10 % Credit Utilization Compare your rating on this score factor across all bureaus to ensure correct reporting. 
Compare Now Account TypesGood Having a diverse mix of different account types demonstrates your ability to meet your credit obligations.

11 Open Accounts 3 Closed Accounts 14 Total Accounts Credit Mix Open AccountClosed Account 1 0 Real Estate 1 0 Auto 5 0 Student 2 3 Credit Card 2 0 Other Compare your rating on this score factor across all bureaus to ensure correct reporting. 
Compare Now Credit AgeGood Creditors value longevity and consistency so the deeper your credit history is the better. Remember that opening new accounts and closing existing accounts can impact your credit age. 
1 Year 7 Months Average Credit Age 6 Years 5 Months Oldest Account 5 Months Newest Account Oldest Account rentreporters.com/residence Act. # XXXX Current XXXX Open Real Estate Account Type Newest Account XXXX XXXX XXXXXXXX Act. # XXXX Collection Chargeoff XXXX Open Other Account Type Compare your rating on this score factor across all bureaus to ensure correct reporting. 
Compare Now New ActivityFair While new activity is normal and represents the lowest impact to your score, it is a good idea to refrain from opening a bunch of new accounts in a short time frame. 
Who's been checking your credit? 

Inquiry : XXXX Date:XXXX Inquiry : XXXX/XXXX  Date:XXXX Review All Inquiries Compare your rating on this score factor across all bureaus to ensure correct reporting. 
Compare Now Accounts Summary Total Balances : {$49000.00} Total Payments : {$500.00} Real Estate Balance {$0.00} Payment {$0.00} View Real Estate Auto Loans Balance {$13000.00} Payment {$310.00} View Auto Loans Credit Cards Balance {$6900.00} Payment {$140.00} View Credit Cards Student Loans Balance {$28000.00} Payment {$0.00} View Student Loans Other Accounts Balance {$100.00} Payment {$50.00} View Other Accounts Negative Items Collections 1 Public Records 0 View Negative Items Collections Accounts Debts that have been turned over to a third-party collection agency. 

Your payment history has the greatest impact on your credit scores. Debts in collection often have long-term, harmful effects on your scores. They remain on your reports for up to seven years, and if they lead to legal action to collect the debt, the harmful hit to your scores is magnified. Work with your creditor to find a repayment solution to lessen the negative consequences. 


XXXX XXXX XXXXXXXX Balance {$3500.00} COLLECTIONS XXXX XXXX XXXX XXXX Original Creditor XXXX Act. # XXXX Opened XXXX Reported Open Condition Creditor Contact : XXXX XXXX XXXX XXXX, XXXX, MD  XXXX | ( XXXX ) XXXX Compare this account across all bureaus. 
Click here to ensure your information is being reported correctly. 
Compare Account Open AccountsClosed AccountsAll Accounts Your Accounts Reported from XXXX  XXXX Sort by All Account Types Viewing All Account Types XXXX XXXX XXXXXXXX Act. # XXXX {$150.00} Past Due XXXX Opened {$1000.00} Credit Limit {$2100.00} Balance Individual Account Credit Card Account Type Closed Condition XXXX Date Reported {$60.00} Payment Creditor Contact : XXXX XXXX XXXX, XXXX XXXX , TX XXXX | ( XXXX ) XXXX Remarks : Canceled by credit grantor Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 1 Negative Item XXXX 0 Negative Items XXXX 0 Negative Items Compare this account across all bureaus. 
Click here to ensure your information is being reported correctly. 
Compare Account XXXX XXXX Act. # XXXX {$200.00} Past Due XXXX Opened {$750.00} Credit Limit {$1300.00} Balance Individual Account Credit Card Account Type Closed Condition XXXX Date Reported {$43.00} Payment Creditor Contact : XXXX XXXX XXXX, XXXX XXXX XXXX , UT   XXXX | ( XXXX ) XXXX Remarks : Dispute resolved ; reported by grantor Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Negative Items XXXX 0 Negative Items XXXX 0 Negative Items Compare this account across all bureaus. 
Click here to ensure your information is being reported correctly. 
Compare Account XXXX XXXX XXXX # XXXX Current XXXX Opened {$14000.00} High Balance {$15000.00} Balance Individual Account Student Loan Account Type Open Condition XXXX Date Reported {$0.00} Payment Creditor Contact : XXXX XXXX XXXX, XXXX XXXX , PA XXXX | ( XXXX ) XXXX Remarks : Payment deferred Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 0 Negative Items XXXX 0 Negative Items XXXX 0 Negative Items Compare this account across all bureaus. 
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Compare Account XXXX XXXX XXXX # XXXX Current XXXX Opened {$12000.00} High Balance {$13000.00} Balance Individual Account Vehicle Loan Account Type Open Condition XXXX Date Reported {$310.00} Payment Creditor Contact : XXXX XXXX XXXX , XXXX XXXX , CA XXXX | ( XXXX ) XXXX Remarks : Charged off as bad debt Profit and loss write-off Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Compare this account across all bureaus. 
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Compare Account XXXX XXXX Act. # XXXX Current XXXX Opened {$3500.00} High Balance {$3500.00} Balance Individual Account Student Loan Account Type Open Condition XXXX Date Reported {$0.00} Payment Creditor Contact : XXXX XXXX XXXX, XXXX XXXX , PA  XXXX | ( XXXX ) XXXX Remarks : Payment deferred Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 0 Negative Items XXXX 0 Negative Items XXXX 0 Negative Items Compare this account across all bureaus. 
Click here to ensure your information is being reported correctly. 
Compare Account XXXX XXXX Act. # XXXX Current XXXX Opened {$3500.00} High Balance {$3500.00} Balance Individual Account Student Loan Account Type Open Condition XXXX Date Reported {$0.00} Payment Creditor Contact : XXXX XXXX XXXX, XXXX XXXX , PA XXXX | ( XXXX ) XXXX Remarks : Payment deferred Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 0 Negative Items XXXX 0 Negative Items XXXX 0 Negative Items Compare this account across all bureaus. 
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Compare Account XXXX/XXXX  Act. # XXXX Current XXXX Opened {$8000.00} Credit Limit {$3300.00} Balance Authorized User Account Credit Card Account Type Open Condition XXXX Date Reported {$39.00} Payment Creditor Contact : XXXX XXXX XXXX, XXXX XXXX , SD XXXX You are an authorized user on this account. 
This means the primary cardholder has trusted you with access to their credit. While you are not contractually responsible for the debt or making the payments, the account is reported on your credit profile. On-time payments could be beneficial to your scores, and conversely, late payments could have a negative impact. If this account has a negative impact on your scores, you can ask the bank to remove you as an authorized user and to stop reporting it on your credit profile. 

Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 0 Negative Items XXXX 0 Negative Items XXXX 0 Negative Items Compare this account across all bureaus. 
Click here to ensure your information is being reported correctly. 
Compare Account XXXX XXXX XXXX # XXXX Current XXXX Opened {$2900.00} High Balance {$3100.00} Balance Individual Account Student Loan Account Type Open Condition XXXX Date Reported {$0.00} Payment Creditor Contact : XXXX XXXX XXXX, XXXX XXXX , PA XXXX XXXX ( XXXX ) XXXX Remarks : Payment deferred Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 0 Negative Items XXXX 0 Negative Items XXXX 0 Negative Items Compare this account across all bureaus. 
Click here to ensure your information is being reported correctly. 
Compare Account XXXX XXXX Act. # XXXX Current XXXX Opened {$2600.00} High Balance {$2700.00} Balance Individual Account Student Loan Account Type Open Condition XXXX Date Reported {$0.00} Payment Creditor Contact : XXXX XXXX XXXX, XXXX XXXX , PA  XXXX | ( XXXX ) XXXX Remarks : Payment deferred Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 0 Negative Items XXXX 0 Negative Items XXXX 0 Negative Items Compare this account across all bureaus. 
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Compare Account intersectfun Act. # XXXX Current XXXX Opened {$430.00} High Balance {$67.00} Balance Individual Account Other Account Type Open Condition XXXX Date Reported {$33.00} Payment Creditor Contact : XXXX XXXX XXXX, XXXX XXXX , NJ XXXX Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 0 Negative Items XXXX 0 Negative Items XXXX 0 Negative Items Compare this account across all bureaus. 
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Compare Account intersectfun Act. # XXXX Current XXXX Opened {$210.00} High Balance {$33.00} Balance Individual Account Other Account Type Open Condition XXXX Date Reported {$17.00} Payment Creditor Contact : XXXX XXXX XXXX, XXXX XXXX , NJ XXXX Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Negative Items XXXX 0 Negative Items XXXX 0 Negative Items Compare this account across all bureaus. 
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Compare Account chase card Act. # XXXX Current XXXX Opened {$26000.00} Credit Limit {$0.00} Balance Terminated Account Credit Card Account Type Open Condition XXXX Date Reported {$0.00} Payment Creditor Contact : XXXX. XXXX XXXX, XXXX, DE XXXX | ( XXXX ) XXXX Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 0 Negative Items XXXX 0 Negative Items XXXX 0 Negative Items Compare this account across all bureaus. 
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Compare Account rentreporters.com/residence Act. # XXXX Current XXXX Opened {$1800.00} High Balance {$0.00} Balance Individual Account Home Loan Account Type Open Condition XXXX Date Reported {$1800.00} Payment Creditor Contact : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX | ( XXXX ) XXXX Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 0 Negative Items XXXX 0 Negative Items XXXX 0 Negative Items Compare this account across all bureaus. 
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Compare Account capital bank Act. # XXXX Closed XXXX Opened {$200.00} Credit Limit {$180.00} Balance Individual Account Credit Card Account Type Closed Condition XXXX Date Reported {$0.00} Payment Creditor Contact : XXXX XXXX XXXX XXXX XXXX , XXXX, MD XXXX | ( XXXX ) XXXX Remarks : Charged off as bad debt Profit and loss write-off Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Compare this account across all bureaus. 
Click here to ensure your information is being reported correctly. 
Compare Account Who's Been Checking Your Credit? 
Your credit report has recently been checked by a creditor or lender. 

Inquiry : XXXXDate of Inquiry : XXXX Contact:XXXX XXXX XXXX XXXX , XXXX , TX XXXX | ( XXXX ) XXXX Inquiry : XXXXDate of Inquiry : XXXX Contact : XXXX XXXX XXXX, XXXX , FL XXXX | ( XXXX ) XXXX Inquiry : XXXXDate of Inquiry : XXXX Contact : XXXX XXXX XXXX, XXXX XXXX , CA  XXXX | ( XXXX ) XXXX Inquiry : XXXX XXXXDate of Inquiry : XXXX Contact : XXXX XXXX XXXX, XXXX XXXX XXXX , UT XXXX | ( XXXX ) XXXX XXXX Score Reasons Positive and Negative Reasons Impacting Your Credit Score. 
Review All Score Reasons Your Credit On The Go - Staying informed about your credit is the key to protecting it. Our app makes it easy. 
Call Us at XXXX Live representatives are available Monday - Friday, XXXX to XXXX CST Saturday, XXXX to XXXX CST Sunday, XXXX to XXXX CST Protected & secured with using ScoreSense Dashboard XXXX  Report XXXX Report XXXX Report My Score Tools Family Identity Learning Center Alerts ScoreTracker Disputes Credit Freeze help Contact Us FAQs legal Terms & Conditions Privacy Policy About Us stay connected ScoreSense is a trademark of XXXX XXXX XXXX. 
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Company response to consumer: Closed with explanation