Consumer complaint received 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Westlake Services, LLC
State: AL

Complaint narrative:
RE : Dispute of Unauthorized Account Due to Identity Theft Account Name : WESTERN FUNDING INC Account Number : XXXX To Whom It May Concern, My name is XXXX XXXX, and I am writing to formally dispute an account that appears on my credit report, which I did not authorize and believe to be the result of identity theft. The account in question is with WESTERN FUNDING INC, account number XXXX. 

I did not open this account, nor did I authorize anyone to open it on my behalf. This account is being reported as charged off with a past due balance of {$7100.00} as of XX/XX/year>. I have attached a copy of my FTC Identity Theft Report, a government-issued photo ID, and proof of address to support my claim. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I request that this fraudulent account be removed from my credit file immediately. Please investigate this matter and update my credit report accordingly. 

Thank you for your time and prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : Disputed Account - Notice to Furnisher XXXX Dear Sir or Madam : I previously notified you that I am a victim of identity theft, and requested that you do the following : Close the unauthorized account Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files. 
I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or a account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account appropriate steps to remove information about this account from my credit files. 
I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s - 2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.

I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information to CRAs. Please this fraudulent information, investigate this matter, and delete any disputed items as soon as possible. 
Please send me a letter explaining your findings and actions. 
I am a victim of identity theft, and I am writing to dispute the following fraudulent charges on my account : Sincerely, XXXX XXXX Enclosures : FTC Identity Theft Report Proof of identity Notice to Furnishers of Information

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