Consumer complaint received 2023-04-27
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:
On XXXX XXXX, I made a good faith effort to initiate a credit transaction with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX via auto salesman XXXX XXXX, Finance Manager XXXX XXXX and Sales Rep ( Westlake ) XXXX XXXX. I had mentioned to XXXX XXXX over the phone that I had subpar credit and was apprehensive to buy anything, especially a car. 
Westlake Financial had recently pre-approved me for a XXXX XXXX XXXX, but they were clear that I would need to put down {$13000.00}. I made it clear to XXXX XXXX that I had no intention of making such a sizable down payment and that I wasn't attempting to have any harsh credit inquiries conducted. 
Through text, XXXX XXXX reassured me that it would only be a " soft inquiry '' or " soft hit '' and that they wouldn't submit until they had a car and an in-person agreement on the parameters. 
l applied on their in person under the impression that it would just be a soft pull. I started receiving notifications from XXXX XXXX indicating my credit had been inquired within the subsequent 30 minutes. 
Even though XXXX XXXX claimed they don't " blast banks, '' they ultimately pulled my credit 2 times, and I never gave them permission to do so because it harms my credit report, and the number of inquiries makes me look desperate as a consumer. As XXXX XXXX XXXX XXXX XXXX violated my consumer rights, XXXX XXXX was very dishonest and unethical. 
According to 15 USC 1602 ( 1 ) of the Truth in Lending Act, your Social Security Number is considered your credit card. Running this number with no benefit to whom it belongs is considered " unauthorized use '' under 15 USC 1602 ( p ). In other words, XXXX XXXXXXXX XXXX XXXX XXXX violated the Truth in Lending Act 2 times in 30 minutes. 
For no other reason than that another dealership gave me that amount without a hard pull, XXXX also advertised a {$13000.00} down payment. He would have never mentioned that sum if I hadn't told him, which is unethical. A down payment can not be indicated as necessary for a consumer credit transaction in accordance with 15 USC 1662 ( 2 ). Additionally, this law is attached. 
An applicant can not be denied credit based on the fact that they used their right in good faith, in accordance with 15 USC 1691a ( 3 ). The Equal Credit Opportunity Act was established to shield customers from prejudice and unfair business practices. Applicants are shielded from discrimination in all facets of a credit transaction under Regulation B. It was discriminatory to promise me a deal but then inform me there wouldn't be one without the required down payment. 
XXXX XXXXXXXX XXXX XXXX XXXX and XXXX XXXX had been calling and contacting me for more than a month, and the one time I agreed to communicate with them, I experienced prejudice and exploitation. XXXX XXXX words did not match his deeds, and I would not have submitted the original application if I had known that my credit would be checked 2 times. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX and Westlake Financial Services violated 15 USC 1602 ( p ) by fraudulently running my credit 2 times. 
XXXX XXXXXXXX XXXX XXXX XXXX and Westlake Financial Services15 USC 1662 ( 2 ) by stating that a down payment is required to purchase a vehicle. 
XXXX XXXX XXXX XXXX  XXXX and Westlake Financial Services violated the Equal Credit Opportunity Act by rejecting me credit despite the fact that I applied in good faith. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX and Westlake Financial Services has failed to function as a financial institution in a fair and unbiased manner. 
If XXXX XXXX XXXX XXXX XXXXXXXX and Westlake Financial Services does not take reasonable steps to remedy this situation for the unauthorized usage of my credit card, I shall hold XXXX XXXX XXXX XXXX  XXXX and Westlake Financial Services criminally and civilly accountable for all real losses. 
Under 15 USC 1611 AND 15 USC 1691e, you are civilly liable for any damages suffered and I am prepared to take legal action if need be.

Under Federal Reserve Section 16 APPLICATIONS ARE PAYMENT!

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