Consumer complaint received 2020-10-11
Company: Westlake Services, LLC
State: NJ
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:
In XXXX of 2020, two car loan companies ( XXXX XXXX XXXX and Westlake financial Services ) Stated they would provide 3 payments of relief due to the COVID-19 National Emergency and Business Shutdown. They denied such relief unreasonably and after multiple attempts to explain the situation and offer attempts to remedy the error they have failed to provide such aid and instead of providing relief reported to the credit bureau 's that I was past due. I have never been past due and my credit report reflected a 100 % on time payment rate prior to their failures. Following their failure to provide the relief they stated they would provide, I paid the accounts weekly and provided a payment agreement that stated " By accepting payment you agree to these terms. '' Terms that stated they would remove ALL negative credit reporting information among other things. That agreement, which I consider them bound to, is attached.  I have diligently paid weekly and they have refused to uphold their end of the agreement. 

At this time the account for Westlake Financial Services has been nearly paid in full. And they have been paid weekly as agreed. They have accepted the agreements terms as they have accepted all checks sent to them. There is a small balance owed which can be settled by XX/XX/XXXX should the company agree to delete their account from my credit report. I am attaching the letter I will send to them regarding such. I have been attempting to dispute their false reporting to the bureau 's as well. Westlake Financial has been asked multiple times for Debt Validation. They have refused multiple times. I have sent them a final debt validation request that is now due  XX/XX/2020. But I do not see them providing such information. Specifically, they refuse to explain in writing why they didn't provide the Covid-19 relief to me and why they continue to report my credit past due despite our agreement. 

At this time, XXXX & XXXX has been paid weekly. They have accepted the agreements terms as they have accepted all checks sent to them. They are falsely applying these checks only to interest. I have attempted multiple times to gain Debt Validation and dispute the debt with the Credit Bureau 's. They refuse to modify their reporting in any way but still cash my checks even though our agreement states " Automatic agreement with these terms will commence upon receiving ANY payment from { ommitted } in regards to remedying this account. By accepting payment you agree to these terms. '' I have paid these accounts through extreme financial hardship and my credit is being ruined for no other reason than these companies failed to provide COVID-19 relief after stating they would provide such relief. I am seeking government intervention and/or enforcement of the Fair Debt Collections Practices act which both the bureau 's and both loan companies are violating.

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