Consumer complaint received 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Westlake Services, LLC
State: CA

Complaint narrative:
WARNING FCRA VIOLATION WILLFUL NON-COMPLIANCE Formal Complaint and Demand for Correction of Credit Report Violations To : - Consumer Financial Protection Bureau ( CFPB ) - XXXX Credit Bureau XXXX Westlake Financial Services ACCOUNT # XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX # A, XXXX XXXX CA, XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. Consumer Financial Protection Bureau ( CFPB ) Complaint Issue Summary : I am filing this complaint against XXXX and WESTLAKE FINANCIAL SERVICES due to repeated violations of the Fair Credit Reporting Act ( FCRA ). 
Despite multiple disputes, XXXX and the creditor continue to report false payment entries and an incorrect Date of XXXX XXXX ( XXXX ) on my credit report. 
My legitimate disputes have been ignored, and I have ALREADY ESCALATED the MATTER to MY STATE ATTORNEY GENERALs OFFICE without resolution. 


VIOLATIONS and ISSUES : 1. FALSE PAYMENT REPORTING : XXXX has listed multiple payments in XXXX that I did not make. 
2. INCORRECT DOFD : The XXXX is incorrectly listed as XX/XX/XXXX, even though I made a payment that month. The correct DOFD should be XX/XX/XXXX. 
3. BALANCE INACCURACY : Despite false payments being reported, my balance has not changed. 
4. FAILURE TO CORRECT AFTER DISPUTES : Multiple disputes have been filed, but neither XXXX nor the creditor has corrected the errors. 
5. FCRA VIOLATIONS : Under 15 U.S. Code 1681n, each WILLFUL VIOLATION of the FCRA entitles me to {$1000.00} PER VIOLATION PER BUREAU. 
GIVEN the MULTIPLE ERRORS ACROSS my CREDIT REPORT, I AM DEMANDING FULL COMPENSATION FOR DAMAGES REQUEST for RESOLUTION : - REMOVE all false payments from my credit history immediately. 
- CORRECT the XXXX to XX/XX/XXXX to accurately reflect my payment history. 
- CONDUCT a thorough investigation as required under 15 U.S. Code 1681i ( FCRA ). 
- PROVIDE a written confirmation of all corrections made within XXXX  days. 
- COMPENSATE me {$1000.00} per violation per reporting agency for FCRA violations. 

FAILURE TO COMPLY WILL RESULT IN LEGAL ACTION for VIOLATIONS of THE FCRA. 


2. Final Certified Demand Letter to XXXX and Creditor To : - XXXX XXXX XXXX SERVICES Subject : FINAL NOTICE LEGAL ACTION IMMINENT FOR FCRA VIOLATIONS DESPITE REPEATED DISPUTES, YOU CONTINUE TO REPORT INACCURATE and MISLEADING INFORMATION ON MY CREDIT REPORT IN VIOLATION OF THE FAIR CREDIT REPORTING ACT ( FCRA ). 

YOUR VIOLATIONS : 1. REPORTING FALSE PAYMENTS THAT WERE NEVER MADE IN XXXX. 
2. FAILURE to CORRECT the DOFD DESPITE CLEAR EVIDENCE SHOWING IT SHOULD BE XX/XX/XXXX. 
3. IGNORING DISPUTES FILED THROUGH XXXX and LEGAL channels. 
4. FCRA STATUTORY DAMAGES : Under 15 U.S. Code 1681n, I am ENTITLED to {$1000.00} PER VIOLATION PER CREDIT BUREAU DUE TO WILLFUL NON-COMPLIANCE.

**********UNDER FCRA ( 15 U.S. Code 1681s-2 ), CREDITORS AND CREDIT REPORTING AGENCIES ARE REQUIRED TO CORRECT ERRORS WITHIN XXXX  DAYS OF RECEIVING A DISPUTE. YOU HAVE FAILED TO DO SO. *********** Final Demand Before Legal Action : - IMMEDIATELY REMOVE ALL FALSE PAYMENTS and CORRECT the DOFD to XX/XX/XXXX. 
- PROVIDE WRITTEN CONFIRMATION of the corrections within XXXX business days. 
- ISSUE COMPENSATION OF {$1000.00} PER VIOLATION IN ACCORDANCE with FCRA XXXX. 
. 
****- If no response is received, I will proceed with a lawsuit under the FCRA and seek : - Full deletion of the account from my credit report***** - Statutory damages of {$1000.00} per violation per bureau***** - Punitive damages for willful FCRA violations***** - XXXX fees and legal costs***** I expect full compliance immediately. If I do not receive a resolution, I will escalate this to legal action. 


3. Small Claims Court Lawsuit Preparation Defendants : - XXXX Credit Bureau XXXX WESTLAKE FINANCIAL SERVICES Plaintiff : XXXX XXXX XXXX Claim : I am suing the defendants for willful violations of the Fair Credit Reporting Act ( FCRA ) by failing to correct errors after multiple disputes and falsely reporting payments I did not make. 
I am seeking {$1000.00} per violation per bureau, along with damages for financial harm, credit score damage, and emotional distress. 

**********Relief Requested : **********- {$1000.00} per violation per credit bureau **********- Full deletion of the erroneous account from my credit report * *********Punitive damages for willful violations ***********Attorney fees and court costs **** I will be filing this lawsuit in XXXX XXXX Small Claims Court and XXXX XXXX XXXX XXXX documentation, including dispute records, credit report copies, and correspondence with XXXX and the creditor. **** Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX # A, XXXX XXXX, XXXX XXXX XXXX WARNING FCRA VIOLATION WILLFUL NON-COMPLIANCE Formal Complaint and Demand for Correction of Credit Report Violations To : - Consumer Financial Protection Bureau XXXX CFPB ) - XXXX Credit Bureau XXXX Westlake Financial Services ACCOUNT # XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX # A, XXXX XXXX CA XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. Consumer Financial Protection Bureau ( CFPB ) Complaint Issue Summary : I am filing this complaint against XXXX and WESTLAKE FINANCIAL SERVICES due to repeated violations of the Fair Credit Reporting Act ( FCRA ). 
Despite multiple disputes, XXXX and the creditor continue to report false payment entries and an incorrect Date of XXXX XXXX ( XXXX ) on my credit report. 
My legitimate disputes have been ignored, and I have ALREADY ESCALATED the MATTER to MY STATE ATTORNEY GENERALs OFFICE without resolution. 


VIOLATIONS and ISSUES : 1. FALSE PAYMENT REPORTING : XXXX has listed multiple payments in XXXX that I did not make. 
XXXX. INCORRECT DOFD : The XXXX is incorrectly listed as XX/XX/XXXX, even though I made a payment that month. The correct DOFD should be XX/XX/XXXX. 
XXXX. BALANCE INACCURACY : Despite false payments being reported, my balance has not changed. 
XXXX. FAILURE TO CORRECT AFTER DISPUTES : Multiple disputes have been filed, but neither XXXX nor the creditor has corrected the errors. 
XXXX. FCRA VIOLATIONS : Under XXXX XXXX Code XXXX, each WILLFUL VIOLATION of the FCRA entitles me to {$1000.00} PER VIOLATION PER BUREAU. 
GIVEN the MULTIPLE ERRORS ACROSS my CREDIT REPORT, I AM DEMANDING FULL COMPENSATION FOR DAMAGES REQUEST for RESOLUTION : - REMOVE all false payments from my credit history immediately. 
- CORRECT the XXXX to XX/XX/XXXX to accurately reflect my payment history. 
- CONDUCT a thorough investigation as required under XXXX XXXX Code XXXX ( FCRA ). 
- PROVIDE a written confirmation of all corrections made within 30 days. 
- COMPENSATE me {$1000.00} per violation per reporting agency for FCRA violations. 

FAILURE TO COMPLY WILL RESULT IN LEGAL ACTION for VIOLATIONS of THE FCRA. 


XXXX. Final Certified Demand Letter to XXXX and Creditor To : - XXXX XXXX XXXX SERVICES Subject : FINAL NOTICE LEGAL ACTION IMMINENT FOR FCRA VIOLATIONS DESPITE REPEATED DISPUTES, YOU CONTINUE TO REPORT INACCURATE and MISLEADING INFORMATION ON MY CREDIT REPORT IN VIOLATION OF THE FAIR CREDIT REPORTING ACT ( FCRA ). 

YOUR VIOLATIONS : XXXX. REPORTING FALSE PAYMENTS THAT WERE NEVER MADE IN XXXX. 
XXXX. FAILURE to CORRECT the DOFD DESPITE CLEAR EVIDENCE SHOWING IT SHOULD BE XX/XX/XXXX. 
XXXX. IGNORING DISPUTES FILED THROUGH XXXX and LEGAL channels. 
XXXX. FCRA STATUTORY DAMAGES : Under XXXX XXXX Code XXXX, I am ENTITLED to {$1000.00} PER VIOLATION PER CREDIT BUREAU DUE TO WILLFUL NON-COMPLIANCE. 
XXXX FCRA ( XXXX XXXX Code XXXX ), CREDITORS AND CREDIT REPORTING AGENCIES ARE REQUIRED TO CORRECT ERRORS WITHIN 30 DAYS OF RECEIVING A DISPUTE. YOU HAVE FAILED TO DO SO. *********** Final Demand Before Legal Action : - IMMEDIATELY REMOVE ALL FALSE PAYMENTS and CORRECT the DOFD to XX/XX/XXXX. 
- PROVIDE WRITTEN CONFIRMATION of the corrections within XXXX business days. 
- ISSUE COMPENSATION OF {$1000.00} PER VIOLATION IN ACCORDANCE with FCRA XXXX. 
. 
****- If no response is received, I will proceed with a lawsuit under the FCRA and seek : - Full deletion of the account from my credit report***** - Statutory damages of {$1000.00} per violation per bureau***** - Punitive damages for willful FCRA violations***** - XXXX fees and legal costs***** I expect full compliance immediately. If I do not receive a resolution, I will escalate this to legal action. 


XXXX. Small Claims Court Lawsuit Preparation Defendants : - XXXX Credit Bureau XXXX WESTLAKE FINANCIAL SERVICES Plaintiff : XXXX XXXX XXXX Claim : I am suing the defendants for willful violations of the Fair Credit Reporting Act ( FCRA ) by failing to correct errors after multiple disputes and falsely reporting payments I did not make. 
I am seeking {$1000.00} per violation per bureau, along with damages for financial harm, XXXX XXXX damage, and emotional distress. 

**********Relief Requested : **********- {$1000.00} per violation per credit bureau **********- Full deletion of the erroneous account from my credit report * *********Punitive damages for willful violations ***********Attorney fees and court costs **** I will be filing this lawsuit in XXXX XXXX Small Claims Court and XXXX XXXX XXXX XXXX documentation, including dispute records, credit report copies, and correspondence with XXXX and the creditor. **** Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX # A, XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation