Consumer complaint received 2022-04-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Westlake Services, LLC
State: DC

Complaint narrative:
WESTLAKE FINANCIAL IS LYING TO THE CFPB AND STATING THEY ARE NOT FALSELY AND FRAUDULENTLY REPORTING AN ILLEGAL ITEM ON MY CREDIT REPORT. WESTLAKE IS ILLEGALLY FALSELY AND FRAUDULENTLY REPORTING AN ILLEGAL ITEM ON MY CREDIT REPORT THAT IS NOT MINE IS FALSE AND FRAUDULANT. I DO NOT OWE WESTLAKE ANY MONEY AND NEVER HAVE. WESTLAKE IS VIOLATING INTERSTAE AND FEDERAL LAW AND HAS BEEN REPORTEED TO THE DC TEXAS AND CALIFORIA ATTORNEY GNERAL. REMOVE THIS FALSE FRUADULANT ILLEGAL ITEM ON MY CREDIT REPORT IMMEDITALY!! WESTLAKE IS LYING TO FEDERAL AND STATE LAW ENFORCEMENT THAT THEY CAN NOT ASSIST WITH THIS ILLEGAL FRAUDULANT ITEM ON MY CREDIT REPORT! REMOVE IT IMMEDIATELY!! 

PLEASE SEE THIS FALSE ITEM ON MY XXXX AND XXXX XXXX REPORTS FALSE FRAUDULANT AND ILLEGAL!! 

4.15 WESTLAKE SERVICE INC ( CLOSED ) Summary Your debt-to-credit ratio represents the amount of credit you're using and generally makes up a percentage of your credit score. It's calculated by dividing an account 's reported balance by its credit limit. 
Account Number XXXX XXXXXXXX Reported Balance {$0.00} Account Status CHARGE_OFF Available Credit The tables below show up to 3 years of the monthly balance, available credit, scheduled payment, date of last payment, high credit, credit limit, amount past due, activity designator, and comments. 
Payment History View up to 7 years of monthly payment history on this account. The numbers indicated in each month represent the number of days a payment was past due ; the letters indicate other account events, such as bankruptcy or collections. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX CO CO CO CO CO CO XXXX XXXX Paid on Time 30 30 Days Past Due 60 60 Days Past Due 90 90 Days Past Due 120 120 Days Past Due 150 150 Days Past Due 180 180 Days Past Due V Voluntary Surrender F Foreclosure C Collection Account CO Charge-Off B Included in Bankruptcy R Repossession TN Too New to Rate No Data Available Account Details View detailed information about this account. Contact the creditor or lender if you have any questions about it. 
High Credit {$24000.00} Owner INDIVIDUAL Credit Limit Account Type INSTALLMENT XXXX XXXX | XXXX XXXX, XXXX Page 50 of 69 Terms Frequency MONTHLY Term XXXX XXXX Balance {$0.00} Date Opened XX/XX/XXXX Amount Past Due Date Reported XX/XX/XXXX Actual Payment Amount {$660.00} Date of Last Payment XX/XX/XXXX Date of Last Activity Scheduled Payment Amount Months Reviewed 26 Delinquency First Reported XX/XX/XXXX Activity Designator TRANSFER_OR_SOLD Creditor Classification AUTOMOTIVE Deferred Payment Start Date Charge Off Amount Balloon Payment Date Balloon Payment Amount Loan Type Auto Date Closed Date of First Delinquency XX/XX/XXXX Comments Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX

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