Consumer complaint received 2025-03-15 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Westlake Services, LLC
State: TX

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Formal Complaint Against Westlake Financial Services Dispute of Collections Action XXXX XXXX # XXXX ) To Whom It May Concern, I have made several attempts to resolve this matter with Westlake Financial Services regarding an erroneous collections account reported on my credit file. To date, I have not received a response. The details of the account in question are as follows : Creditor : Westlake Financial Services Address : XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Date of Dispute : XX/XX/XXXX Upon reviewing my credit report, I have identified inaccuracies that require immediate investigation and resolution. I have attached a copy of my credit report, highlighting the errors associated with the above-referenced account. 

I formally request that Westlake Financial Services provide verification of this debt in compliance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Until proper validation is provided, I demand that all collection activities be suspended, including but not limited to any communications with me or third parties. 

Furthermore, I request that no negative reporting be made to any credit reporting agency until my dispute is resolved. If this account has already been reported, I demand that the creditor immediately request the removal of this inaccurate information from my credit report. 

Legal Basis for This Dispute Under 15 U.S.C. 1681i ( a ), the credit reporting agencies are required to conduct a reinvestigation of disputed items within 30 days. If this account can not be verified as accurate, it must be deleted immediately. 

Under 15 U.S.C. 1692e ( 8 ), it is illegal for a debt collector to report false information to a credit bureau. If this account was reported inaccurately, its continued reporting constitutes a violation of federal law. 

Under 15 U.S.C. 1692g, I have the right to request debt validation. I demand full validation of the debt, including original contracts, signed agreements, and proof of ownership of the debt. If validation can not be provided, this account must be removed immediately. 

Under 15 U.S.C. 6802, financial institutions must not disclose personal financial information without explicit consent. If this account was shared without my authorization, this constitutes a privacy violation that requires corrective action. 

Under 42 U.S.C. 1983, unlawful repossession of property without due process or legal authority is a violation of my civil rights. If any repossessions related to the disputed account were conducted unlawfully, I demand immediate correction and removal from my credit file. 

Under UCC 9-609, a secured party may take possession of collateral after default only through judicial process or without a breach of peace. If repossession occurred in violation of this statute, I demand legal redress and correction of my credit file.

Company response to consumer: Closed with explanation