Consumer complaint received 2023-12-31 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:
F.C.R.A. 15 U.S.C. 1681 section 602 clearly says " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' I, XXXX XXXX, am the Consumer, and XXXX, XXXX, and XXXX are all consumer reporting agencies. I know I have the right to make sure my private information isn't shared, and I know that my right is backed by 15 U.S.C. 6801 as it says " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' Westlake Financial Services Inc., is a financial institution by definition under that title. 15 U.S.C. 1681 section 604 ( 2 ) says that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Westlake Financial Services Inc., the financial institution and the consumer reporting agencies XXXX, XXXX, and XXXX, DO NOT have my consent to furnish this information and I have never given them my written consent as well. Any and all consent to XXXX, XXXX, XXXX, and Westlake Financial Services Inc., whether it be verbal, non-verbal, written, implied, or anything otherwise, is now officially revoked. To my knowledge, 15 U.S.C. 6802 ( b ) ( c ) clearly says that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Westlake Financial Services Inc., never informed me, at any time, of my right to exercise my nondisclosure option. I am aware that 15 U.S.C. 1681C ( a ) ( 4 ) ( 5 ) states " Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : 'accounts placed for collection or charged to profit and loss which antedate the report by more than seven years, ' and also, 'any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. ' '' This account shows that it has a " charged-off '' status and that is clearly an adverse item they are reporting again without my permission which is without a doubt, against the law. 15 U.S.C. 1681s2 ( A ) ( XXXX ) says " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I am aware that no person, including XXXX, XXXX, and XXXX, are not allowed to furnish any information relating to me, as a federally protected consumer, if I have reasons to believe the information is inaccurate, yet all three listed consumer reporting agencies have not removed any previously disputed accounts including the " charged-off '' account associated with the financial institution, Westlake Financial Services Inc. , I am fully aware that 15 U.S.C. 1681e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under 1681b of this title. XXXX, XXXX, and XXXX are not maintaining reasonable procedures to maintain accurate information as all three credit reporting agencies show different inaccuracies in regards to the account associated with the financial institution, Westlake Financial Services Inc . Finally, I am also fully aware 12 C.F.R. 1016.7 says that " A consumer may exercise the right to opt out at any time. '' I am exercising my right and I am opting out of Westlake Financial Services Inc., reporting services.

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