Consumer complaint received 2024-02-10 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: GA

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX XXXX WESTLAKE FINANCIAL SERVICES is in violation of multiple laws set forth by Congress in regards to the following account XXXX. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( I XXXX XXXX ) and the person ( WESTLAKE FINANCIAL SERVICES ) making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( WESTLAKE FINANCIAL SERVICES ) shall not furnish any information relating to a consumer ( I XXXX XXXX XXXX to any consumer reporting agency ( XXXX, XXXX, XXXX ) XXXX the person knows or has reasonable cause to believe that the information is inaccurate. WESTLAKE FINANCIAL SERVICES can not collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charge-off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate because this account is income. I never received a 1099-C from WESTLAKE FINANCIAL SERVICES for the cancelled debt in order to file as ordinary income. Where is my 1099-C? WESTLAKE FINANCIAL SERVICES is clearly writing off debt with the IRS without sending out 1099-C as required by the IRS for debts greater than { { { {$600.00} } } }. WESTLAKE FINANCIAL SERVICES has been committing Tax Fraud. WESTLAKE FINANCIAL SERVICES has been HEREBY PUT ON NOTICE that they are furnishing incorrect & inaccurate information. 
XXXX, XXXX, and XXXX are not an affiliate of WESTLAKE FINANCIAL nor are they " Bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law and the CFPB website. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given WESTLAKE FINANCIAL SERVICES whether it be written, non written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non written, verbal, and non verbal per 15 USC 6802. I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. The reporting of this account as a charge off is inaccurate & unlawful. Please remove this account from my consumer report ThankYou

Company response to consumer: Closed with explanation