Consumer complaint received 2026-04-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Westlake Services, LLC
State: NC

Complaint narrative:
I am submitting this complaint against Westlake Financial Services for multiple violations of federal law, including the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), arising from inaccurate credit reporting, failure to maintain correct identifying information, and continued collection activity on a disputed account following the wrongful repossession of my vehicle. Westlake Financial is reporting inaccurate information to credit reporting agencies, including an incorrect account balance. Under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681s-2 ( a ) and 1681s-2 ( b ), furnishers are required to provide accurate information and to conduct a reasonable investigation upon notice of a dispute. The continued reporting of false or unverified information constitutes a violation of these provisions and has caused harm to my credit profile. Additionally, my name is being reported incorrectly by Westlake Financial. This reflects a failure to follow reasonable procedures to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). Maintaining and reporting incorrect identifying information further calls into question the integrity of all data associated with this account. Despite my dispute of this account, Westlake Financial continues to engage in collection activity. Under the Fair Debt Collection Practices Act, including 15 U.S.C. 1692g ( b ), once a debt is disputed, collection efforts must cease until proper validation is provided. Continued attempts to collect without resolving the dispute may also constitute unfair or deceptive practices under 15 U.S.C. 1692e and 1692f. Furthermore, the repossession of my vehicle is disputed and appears to have been conducted wrongfully. Any balance being pursued following an improper repossession is itself invalid and must be fully investigated before any further collection activity occurs. To resolve this matter, I demand the following : 1. Immediate correction or deletion of all inaccurate information reported to credit reporting agencies, including the account balance and proper spelling of my name, in compliance with 15 U.S.C. 1681s-2. 2. A complete and documented investigation into my dispute, including all records relied upon to verify the debt. 3. Full validation of the alleged debt in accordance with 15 U.S.C. 1692g, including a detailed accounting of the balance. 4. Immediate cessation of all collection activity until the dispute is fully resolved. 5. Written confirmation that all corrections have been made and that any inaccurate information has been removed from my credit file. 6. Documentation supporting the legality of the repossession, including notice and compliance with applicable state and federal laws. If these violations are not corrected promptly, I am prepared to pursue all available remedies, including filing claims for statutory and actual damages under 15 U.S.C. 1681n, 1681o, and 1692k. I will also consider pursuing this matter through legal counsel. I expect a timely and lawful response to this complaint. Sincerely, XXXX XXXX Account Number XXXX -- -.

Company response to consumer: Closed with explanation