Consumer complaint received 2022-11-11
Company: Westlake Services, LLC
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Pursuant to 15 U.S. Code 1666b ( a ) - Timing of payments & Pursuant to 15 U.S. Code 1681b - Permissible purposes of consumer reports, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and WESTLAKE FIN. SERVICES have violated federal law and dishonored their obligation to uphold the law. 

15 U.S. Code 1666b ( a ) Time to make payments clarification ; ( a ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637.

15 U.S. Code 1681b - Permissible purposes of consumer reports clarification ; ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

XXXX XXXX XXXX, XXXX XXXX XXXX, and WESTLAKE FIN. SERVICES have violated federal law by reporting multiple " LATE PAYMENTS '' regarding multiple open consumer transactions, on my credit report. XXXX has reported the following " LATE PAYMENTS '' on my credit report : XXXX XXXX XXXX : Reported late date : XXXX XXXX XXXX XXXX  : Reported late date : XXXX -WESTLAKE FIN. SERVICES : Reported late date : XXXX In addition to reporting this information XXXX have also provided my credit report with this inaccurate information to furnishing companies, damaging my credit, potential opportunities and overall livelihood. 


Legal Remedy Granted : According to 15 U.S. Code ( a ) ( 1 ) ( A ) ( a ) Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of -- ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorney 's fees as determined by the court. ( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. ( c ) Attorney 's fees Upon a finding by the court that an unsuccessful pleading, motion, or other paper filed in connection with an action under this section was filed in bad faith or for purposes of harassment, the court shall award to the prevailing party attorney 's fees reasonable in relation to the work expended in responding to the pleading, motion, or other paper. ( d ) Clarification of willful noncompliance For the purposes of this section, any person who printed an expiration date on any receipt provided to a consumer cardholder at a point of sale or transaction between XX/XX/XXXX, and XX/XX/XXXX, but otherwise complied with the requirements of section 1681c ( g ) of this title for such receipt shall not be in willful noncompliance with section 1681c ( g ) of this title by reason of printing such expiration date on the receipt.

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