Consumer complaint received 02/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Westlake Services, LLC (MA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I will start with my original issue with the company Westlake Financial Services : on XX/XX/XXXX I purchased a vehicle and took out a loan through westlake. That vehicle proceeded to fail Massachusetts state inspection 3+ times. The dealer and westlake were both contacted and informed. The dealer proceeded to make some repairs and the vehicle still failed again. And again. And again. I tried returning this vehicle but unfortunately I did not go through the proper steps. that aside. Westlake never made one effort to contact this dealer. They never once tried correcting this issue and because of this. I am paying on a {$6000.00} loan with a 24 % interest rate for a vehicle that has been sitting in my yard. Undrivable since XX/XX/XXXX the day I bought it. This vehicle qualified under the Massachusetts lemon aid law MGL chapter 90 section 7n and westlake made no efforts to see through to their end of the contract by providing me money for a vehicle that WILL pass inspection. They trapped me into a loan for a vehicle that TO THIS DAY HAS A REJECTION STICKER ON IT. So that is my first issue. 


Let me go on to my second and most concerning issue I have with Westlake, the inaccurate credit reporting. Firstly. Westlake has granted me a deferral for the payment due in XXXX. They later on said that there was NEVER a deferral given to me. Months later I found the original deferral contract ( which I have ) and they still deny it. On top of all of this. They have been reporting that I am over 30 days late for the month of XXXX. And over 60 days late for the month of XXXX. I will provide pictures of my payments. 


Please note this!!!!!! : I have a video/ audio recording of a phone call with Westlake of them acknowledging that I was not late! They told me in a phone call that my issue would be corrected and my info would correctly be reported to the credit agencies. BUT THEY NEVER DID!!! And they deny that anyone ever told me that! Also there was a confusing phone call made on XX/XX/XXXX where it was stated that I was caught up to date. Later on come to find out they tell me I was not up to date. And nobody ever told me that. So rest assure. If you find the phonyou call between Westlake and myself on XX/XX/XXXX you will clearly hear a Westlake employee tell me I am caught up to date.

PLEASE HELP ME. I have been dealing with COUNTLESS similar issues with Westlake and it is never ending. I am on my last straw. I am in the process of filing against them in small claims court for the full price of the vehicle. Westlake shouldve voided the contract as soon as they found out the vehicle failed inspection. But they didnt and now Im trapped in a loan for a vehicle I couldnt use since day one. And not only that but they are inaccurately reporting on my credit which is INABLING ME FROM DOING ANYTHING Westlake has tarnished my credit illegally and now my wife and I are having an extremely hard time buying a house, and getting another vehicle. Because I am trapped in this loan. Please help me ( also innacuratly reporting my payoff balance to the credit companies for the entire time Ive had this loan )

Company response to consumer: Closed with explanation