Consumer complaint received 2024-10-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: Westlake Services, LLC
State: CT

Complaint narrative:
I received a copy of my credit report to find the following items to be incorrect. 
I have explained the discrepancies in the numbered entries listed below : Account # XXXX Company : Westlake financial services Address : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Contact : ( XXXX ) XXXX Date opened : XX/XX/XXXX Original balance : XXXX $ Balance : XXXX $ Police report : I was put as a co sign on this account when I in fact did not sign those papers, I have a XXXX XXXX  with this company but I never! Co sign or had any knowledge regarding this car, I contacted this company regarding this after receiving calls for over a year spaming regarding this vehicle I thought it was scam or maybe I got someone old phone number but then they started saying my name. I finally realized after checking my credit score. I notified the company of the dealer and west lake about this and requested the document the see the supposedly signature I did not make and made a police repost even the investigators said that the signature was too perfect for my hand writing after showing them multiple documents and identification with my signature!! I even made a dispute. I dont care what signature was the a Docusign signature its not MINE. There reporting the information accurate when I disputed it and its not true. I got my XXXX XXXX  and signed paper work on XX/XX/XXXX and I never came back to the dealer ship especially not to co-sign on someone car!! The investigation team went to the person house to investigate and everything I havent had any updates regarding what theyre going to do to the person but this is not mine. You can literally ask them for my XXXX XXXX  documentation and compare my signature to that paper its completely different my account for my XXXX XXXX XXXX is # XXXX Police report # XXXX XXXX I wasnt even at the dealer ship that day to sign paperwork no video proof or email of this conversation with me I never spoke about this vehicle never!!! 


According to my records the information that is reported on my account is inaccurate. I demand that this is removed from my credit report immediately. 
By the provisions of the Fair Credit Reporting Act of 1970, 15 U.S.C. 1681 et seq., I demand that this be reinvestigated and deleted from my credit record. 

Under the terms of the Section 168 li of the Act, they have 30 days from receipt of this letter to verify this disputed information. In the event they fail to verify this data, or fail to respond to this request altogether, the disputed data must be deleted in its entirety. 

Also, pursuant to 15 U.S.C. Section 168ld of the Act, please notify me when the items have been deleted. You may send an updated copy of my credit report to the below address. According to the provision of Section 1681j, there should no charge for this notification. 

You can see below the attachment that I showed the investigator. The Senta document is what westlake emailed me regarding he car I did not sign for its the supposedly second signature thats supposed to be me and its not I dont have perfect hand writing like that, As you can see my employment paper work my DOT certification XXXX XXXX XXXX and so forth are all the same signature and not Perfect Ive never wrote like that a day in my life!! Even my Cdl permit signature doesnt look any where near that perfect writing, Im a victim or fraudulent signing and I need help Ive done everything I can do on my own this is fair.

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