Consumer complaint received 2025-08-13 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:
To : Experian  XXXX. XXXX XXXX XXXX, TX XXXX Subject : FORMAL DISPUTE DEMAND FOR DELETION OF UNVERIFIABLE ACCOUNT Account Name : WESTLAKE FINANCIAL SVCS Account Number : XXXX Report Date : XX/XX/XXXX Dear Experian, Trans Union Dispute Department, I am writing to formally dispute the reporting of the account listed above by Westlake Financial Services appearing on my Experian credit file. 

After careful review, I have found that this account contains multiple violations of the Fair Credit Reporting Act ( FCRA ) and fails to meet legal standards for accuracy, completeness, and verifiability as required under federal law. 

XXXX. Violation of FCRA XXXX ( A ) & XXXX ( b ) : Inaccurate and Incomplete Reporting The account reports a charge-off in XX/XX/XXXX, but also reflects a {$16000.00} balance repeatedly for months into XXXX, contradicting the status of a charged-off and closed account with a {$0.00} balance. This is both factually inaccurate and materially misleading, which is prohibited under : FCRA XXXX ( A ) : Credit reporting must be fair and equitable and not misleading. 

FCRA XXXX ( b ) : Consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy. 

XXXX. Violation of FCRA XXXX ( a ) ( XXXX ) ( A ) : Unverifiable Information The reported payment history contains repeated CO ( charge-off ) designations well after the date of charge-off, specifically from XX/XX/XXXX through XX/XX/XXXX, which is inconsistent with how charge-offs are legally and practically reported. A charged-off account can not continue to accrue new delinquencies or charge-off events. The information is unverifiable, and the furnisher has failed to provide accurate and consistent data, thus invalidating the tradelines integrity. 

XXXX. Violation of FCRA XXXX ( a ) ( XXXX ) : Outdated Negative Information The repossession reportedly occurred in XXXX and XX/XX/XXXX. 

The delinquency leading to the charge-off began as early as XX/XX/XXXX. 

Thus, the date of first delinquency ( DOFD ) is XX/XX/XXXX, which means this negative information is scheduled to be removed no later than XX/XX/XXXX. You are legally required to ensure timely purging of negative tradelines under FCRA XXXX ( a ) ( XXXX ). Please ensure proper tracking and purge timelines are followed. 

Under the Fair Debt Collection Practices Act ( FDCPA ) XXXX ( c ), if this information is the result of collection activity, I formally demand that you and any associated debt collectors cease and desist all collection and reporting efforts related to this account. Failure to do so will result in formal complaints to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and State Attorney General 's Office. 

Pursuant to FCRA XXXX, I am requesting the following actions : XXXXImmediate investigation into the accuracy, completeness, and verifiability of this account. 
XXXXDeletion of the Westlake Financial account if verification can not be completed with full legal documentation within 30 days. 
XXXXWritten confirmation of the outcome of this dispute. 
XXXXUpdated credit file reflecting corrections or deletions. 

If this account can not be fully verified with complete and accurate supporting documentation, it must be permanently deleted from my credit report, as required by law.

Company response to consumer: Closed with explanation