Consumer complaint received 2024-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Westlake Services, LLC
State: MO

Complaint narrative:
Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Missouri Laws Dear WESTLAKE FIN, I am writing to address a serious violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), the Missouri Revised Statutes under Sections 367.010 and 367.020, and identity fraud laws, specifically Missouri Revised Statutes Section 570.020. 
It has come to my attention that WESTLAKE FIN has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Missouri state law, specifically Section 367.010 of the Missouri Revised Statutes, emphasizes the necessity of consumer consent for credit reporting. Furthermore, Section 367.020 of the Missouri Revised Statutes establishes clear guidelines for the fair reporting of consumer credit information. Simultaneously, identity fraud laws, such as Missouri Revised Statutes Section 570.020, underscore the severity of unauthorized access and misuse of personal information.

I assert with unwavering certainty that I have not provided consent for WESTLAKE FIN to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws.

I demand, with the utmost certainty, that WESTLAKE FIN immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Sections 367.010 and 367.020 of the Missouri Revised Statutes. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws.

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA, Missouri state law, and identity fraud laws. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting.

I anticipate your immediate attention to this matter and expect that WESTLAKE FIN will promptly rectify these egregious violations, respecting my rights under federal and state laws.

Done in good faith.

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