Consumer complaint received 2025-06-20 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Westlake Services, LLC
State: AL

Complaint narrative:
Additional Comment Regarding Westlake Portfolio Management : I am also filing this complaint directly against Westlake Portfolio Management. This company has not responded to any of my written requests for debt validation, which I submitted in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ).

Furthermore, Westlake has not provided any proof that they have the legal authority to collect this debt, nor have they produced any documentation showing that I have ever entered into a contract or agreement with them. I have never signed any contract with Westlake, and they have failed to demonstrate that they own or have been assigned the alleged debt.

Despite this, Westlake continues to report this tradeline to the credit bureaus, damaging my credit and violating my consumer rights. Their failure to validate the debt or respond to my communications constitutes continued unlawful collection activity and a violation of federal law.

I am requesting that this matter be investigated and that Westlake be held accountable for their noncompliance and improper reporting practices.

Complaint Regarding Unvalidated Debt Reporting by Westlake Portfolio Management Dear CFPB, I am filing this complaint regarding a tradeline being reported by Westlake Portfolio Management that I have disputed multiple times with both the debt collector and the credit reporting agencies ( XXXX, XXXX, and XXXX  ). Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I have the right to request validation of an alleged debt, and credit bureaus are required to conduct reasonable investigations into consumer disputes. I submitted timely written requests for validation of this debt to Westlake Portfolio Management, including supporting documentation. To date, Westlake Portfolio has never responded to my request. Despite the lack of response or proof of validation, the credit bureaus continue to report this tradeline. I included documentation of my request to Westlake in my disputes with XXXX, XXXX, and XXXX, but all three responded that the debt had been " verified '' despite the complete lack of evidence from Westlake. This clearly suggests that the credit reporting agencies did not conduct a reasonable investigation, as required by law. A reasonable investigation would have shown that no validation or supporting documentation was ever provided by the furnisher of the information. To make matters worse, XXXX  has requested extremely sensitive personal documents from meincluding a copy of my ID, full SSN, marriage certificate, and proof of address. I provided this information twice, and I have still received no update or response. I am deeply concerned about the sensitivity of the data Ive provided with no communication or resolution in return. I am attaching my formal dispute letter to all three agencies, XXXX, XXXX, and XXXX, and my latest attempt to contact Westlake Portfolio Management directly. Requested Resolution : Immediate removal of the Westlake Portfolio Management tradeline from my credit file with all three major credit bureaus. A full investigation into the failure of the credit bureaus to reasonably verify this debt. An inquiry into Westlake Portfolio Managements continued reporting of a debt they have failed to validate. I respectfully request the CFPB to take appropriate action to ensure my consumer rights are protected under the FDCPA and FCRA. Sincerely, XXXX XXXX XXXX XXXX ( XXXX XXXX ) XXXX XXXX XXXX, XXXX XXXX XXXX, AL XXXX DOB : XX/XX/year> Last 4 of SSN : XXXX Email : XXXX Phone : XXXX

Company response to consumer: Closed with explanation