Consumer complaint received 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC
State: TX

Complaint narrative:
Financed a car through western XXXX from car lot in XXXXXXXX XXXX. As soon as I drive car off lot oil light popped on and dealer said to bring back and they would fix. Car was in multiple times and they could not clear oil light mechanic said everything was find and he would replace sensor. The engine failed. Notified car lot of this and they fired the mechanic as said they would tow car and check it. I ended up paying tow bill and buying a motor for XXXX. Shipped it to car lot and they kept saying they were to busy to put it in after declaring that if I bought it they would install it. Over a year went buy with it at the car lot waiting on engine install finally I agree to pay the mechanic to put it in. It still took 6 months free that to put motor in and I eventually called them and they said the motor wasnt any good. I should also mention that after I was notified that engine was delivered to them they originally pretended that it wasnt there. Had to go to site to verify. I called western funding and informed them of this back then. All payments have been made before and after failure of engine. In XXXXXXXX XXXX XXXXXXXX I called them when payments were about complete to speak about paying it off they asked if car was still down I told them yes and the asked the location of car. They then hung up on me after multiple attempts of calling back they would identify me then hung up. Payments proceeded from my account. I call again a month later to pay off again and some one asked did I voluntarily surrender the car. I told them no it was at lot. They then hung up on me. I then got a negative hit in my credit report stating delinquency on car note and involuntary repossession called them and they hung up multiple times as before. I finally got a supervisor and he said they sold the car b back in XXXXXXXX XXXX XXXX and picked it up XX/XX/year>. They never sent any thing notifying me of this and I have record of this found 2 emails one that payment has been made and another that says oops did you miss a payment. In XX/XX/year> knowing that my account is paid XXXX wouldnt be concerned either this email. Now if you open it it says nothing about a repossession or sale of auto but demands full payment and list that Im XXXX cents delinquent.. After multiple calls and being hung up on western funding has made little effort to repair my damage credit from this the have listed that account is not delinquent and remove involuntary repossession but damage is still heavy on my report due to this. They asked for my receipts of this and only after I provided proof were corrections made. To this date the report stills states a repossession and this repossession is illegal. The car dealership has my number and never had issues with car being there they contacted them and made some arrangements and repossession the car and by law a broken down car does not give them right to repossess. They are trying to now add that dealership told them they were going to sale car so they acted on there interest. No one called me text or sent any letters to me about this car needing to be removed and western funding allow debt to be paid down only acting towards pay off in a malicious and fraudulently manner in breach of good faith

Company response to consumer: Closed with explanation