Consumer complaint received 2025-09-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Westlake Services, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : " Describe what happened ... '' ( XXXX XXXX XXXX XXXX  ) Copie y pegue esta narrativa completa. XXXX XXXX XXXX maestro. 

( XXXX XXXX XXXX XXXX XXXX XXXX de XXXX XXXX ) : Formal Complaint Regarding Multiple Willful Violations of Federal and State Law by Wilshire Consumer Credit ( Account # XXXX ) and Affiliate Westlake Financial. 

I am filing this formal complaint to report a pattern of severe, willful, and ongoing legal violations by Wilshire Consumer Credit and its corporate affiliate, Westlake Financial. These entities have violated the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and demonstrated systemic bad faith. Despite my multiple, documented attempts to resolve this matter, the company has chosen to ignore federal law, forcing this escalation. 

SUMMARY OF WILLFUL VIOLATIONS : XXXX. Blatant Violation of Debt Validation Laws ( FDCPA ) : On XX/XX/year>, Wilshire Consumer Credit received my formal written demand for validation of the alleged debt. To date, they have failed to provide any proof whatsoever. Their continued collection efforts, including negative credit reporting, are therefore illegal. 

XXXX. Knowingly Furnishing Inaccurate Information ( FCRA ) : The account is being reported to XXXX  under the incorrect name of " Westlake Financial ''. This is a material misrepresentation and a direct violation of the FCRA 's requirement for maximum possible accuracy, making the item exceedingly difficult to dispute. 

XXXX. Illegal Data Access and Third-Party Harassment : Wilshire Consumer Credit improperly accessed the databases of its affiliate, Westlake Financial , to obtain non-public personal information related to a prior and fully satisfied auto loan ( # XXXX ). This illegally obtained information was used to harass a third party, a severe violation of the FDCPA. 

XXXX. Continued Reporting After Direct Dispute ( FCRA ) : Despite receiving my direct dispute in XXXX and failing to validate the debt, Wilshire Consumer Credit continues to knowingly furnish this unverified information to the credit reporting agencies. They are furnishing negative information while simultaneously refusing to provide any proof to me, the consumer. 

XXXX. Obstruction of Information : The company deliberately blocks my access to account statements and transaction history through their online portal, materially impairing my ability to audit their claims. 


XXXX. Ignoring Formal Warnings : The company has ignored multiple formal warnings, including a Cease and Desist demand delivered to its affiliate and a Final Demand Before Litigation delivered to Wilshire, which explicitly laid out these violations. Their silence is proof of their willful non-compliance.

Company response to consumer: Closed with explanation