Consumer complaint received 2022-09-07
Company: Westlake Services, LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
In XX/XX/XXXX I bought a car at a Local Car Dealer called XXXX XXXX XXXX XXXX in the city of XXXX XXXX, they informed me that I could choose to have vehicle financing options, in fact they helped me with the financing of the chosen car They informed me that the financial company that had tested my credit was Westlake Financial ; at that time I only had a passport since I had just arrived in the United States as an XXXX XXXX the financial institution Westlake Financial assigns me an annual interest rate of 23.79 %, at which they informed me that at that time they would not report my credit history to the Credit bureau of the United States, but once it had my social security number, it would send the corresponding information in order to update my information in the system and also report my usage history to the country 's credit bureaus. 

On XX/XX/XXXX, I contacted the financial institution Westlake Financial to report that I already had my Social Security Number in order to update my information, they told me that I should send the supports of my information to the emails : XXXX, XXXX, XXXX, in order for them to update my information in the system and that it would take about 30 days ; In effect, on the day I sent the support of the documents on XX/XX/XXXX, I sent said information via e-mail and made sure that they had received the information, so I contacted the financial company again, to which they informed me that the documents were already in possession. of them and that they would carry out said modification. 

At the beginning of XX/XX/XXXX, I contacted the financial company again and asked why, if I had sent my information a month ago, the credit information was not updated, after many calls they finally informed me that this was not going to be possible since he did not have the right to have a financial report in the different credit platforms because he was not a XXXX or an American citizen. 

For a year now I have been paying my credit installments worth {$390.00} on time every XXXX of each month, without having the right to obtain a better interest rate because Westlake Financial simply does not want to publish my credit report apparently for not be a US citizen or resident ; Something I don't understand is if there is such discrimination for being an XXXX  because if they grant credits with high rates to the same XXXX 

A few days ago I received a letter from a financial entity in which they offered me the purchase of my credit, they were the ones who informed me that in the United States there was an office in which they could help me, that is why I ask for your help since As I inform you, Westlake Financial refuses to update my credit information, forcing me to pay their high interest rates and without having the possibility of accessing a decent vehicle credit.

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