Consumer complaint received 2024-02-14 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: TX

Complaint narrative:
I was trying to get a loan for a house. They pulled my credit and several accounts pulled up under my social security number and name. The names provided date back to XXXX and as recent as XX/XX/XXXX and XXXX of this year. 
I only have one account with XXXX XXXX XXXX ( XXXX ), one account with XXXX XXXX XXXX ( XXXX ) and I'm currently only financing an appliance through XXXX XXXX XXXX XXXX 
There are several active accounts that are not mine. Accounts : Westlake Financial SVCXXXX XXXX XXXX XXXX . XXXX XXXX, CA XXXX Acct.Type : Auto total : {$17000.00} owes : {$12000.00} opened : XX/XX/XXXX - Vehicle : XXXX XXXX XXXX - color : silver License plate number : XXXX purchased at a car lot : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX TX XXXX Social Media : XXXX XXXX XXXX  XXXX or XXXX We called the number provided on credit report ( provided ) and spoke with a representative who went by the name, XXXX XXXX. She was very helpful in giving us the information under my name but became rude and hesitant after explaining this was a fraudulent account. She was no help and did not take us seriously. She seemed to be protecting information and people. 

XXXX XXXX XXXX XXXX XXXX XXXX , VA XXXX 4 different accounts. Besides my actual account totaling in {$3800.00} and still owes : {$3800.00}. Dating from opening dates of XX/XX/XXXX to most recent XX/XX/XXXX We contacted them and they could not find any matches. They only found my actual account and said they had to look into it and they would send more paperwork via mail. 

XXXX XXXX There are a total of 6 or 7 accounrs, majority say closed and only 1 active. Total active- {$2100.00} still owes {$1200.00}. Opening date - XX/XX/XXXX We were advised to go and soeal to them in oerosn because it seemed easy to fix. Giving we werent educated on fraud or the steos to take, we went and spoke with XXXX XXXX, manager of XXXX XXXX in XXXX, TX. She denied finding any past or active accounts under my name and social and stated they only worked with legitimate Texas identification and that she could not find anyone with my social or name. 
We insisted and after an hour or so she finally budged and said she found someone but had a different DOB. She was covering up their lack of identification research. She asked to make a phone call and then asked me to provide her with proof from police, my information such as ( social, copy of id, address verification, email, etc ). To make the corrections on their end. She asked for this informarion both in person and via email. She then proceeded to inform me that the identification this identity thief used was not a legal Texas ID. And confirmed the address given by the credit bureaus in XXXX Tx. ( not mine ) was their currnet address. I have not given her any further information nor spoken to her since XX/XX/XXXX. I did not provide ger with my personal information. Only a partial copy of the credit report where XXXX XXXX appears. 

XXXX and XXXX Directory:XXXX Account opening dates XX/XX/XXXX and XX/XX/XXXX totaling : {$690.00}, still owes total of {$570.00} We called and spoke with fraud department. They first mentioned a XXXX XXXX XXXX under my name and then said there was nothing showing. They said they'd contact the credit bureaus and take care of it. I don't trust them will since they changed their story. 

XXXX XXXX XXXX : No number/no address. 
Total : {$3500.00}, still owes- {$2300.00} Opening account date:XX/XX/XXXX XXXX XXXX- No number, no address Total : {$1700.00} still owes- {$1500.00} Opening account date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX closed She's it was paid in full by insurance Total- {$7600.00} opened account XX/XX/XXXX and closed XX/XX/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