Consumer complaint received 2024-03-16 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Westlake Services, LLC
State: NC

Complaint narrative:
West Lake Financial Attn : Customer Service XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX Subject : Complaint Against West Lake Financial for Credit Violations and Request for Removal from Credit Profile Dear Sir/Madam, I am writing to file a formal complaint against West Lake Financial regarding their violation of credit laws and to request the removal of negative information from my credit profile. I believe that West Lake Financial has engaged in unfair and deceptive practices that have adversely affected my creditworthiness and financial well-being. I respectfully request your immediate attention to this matter. 

To provide some context, I had an account with West Lake Financial that was closed on [ Date ]. Since the closure of the account, I have discovered several instances where West Lake Financial has violated credit laws, resulting in significant damage to my credit profile. 

Firstly, West Lake Financial has inaccurately reported negative information to the credit bureaus. This includes late payments, which were not valid and were not reflective of my actual payment history. These inaccuracies have had a detrimental impact on my credit score and have made it challenging for me to obtain credit or secure favorable interest rates. 

Furthermore, West Lake Financial has engaged in unfair and deceptive practices by failing to provide accurate and timely information regarding my account. Despite multiple attempts to obtain accurate account statements and payment history, I have been met with delays and unresponsiveness from West Lake Financial 's customer service representatives. 

I kindly request that West Lake Financial rectifies the inaccuracies in my credit profile and takes immediate action to remove any negative information that was reported in violation of credit laws. I also request that West Lake Financial conducts a thorough investigation into their practices and takes appropriate measures to prevent similar violations from occurring in the future. 

Enclosed with this letter, please find copies of relevant documents such as account statements, payment receipts, and any correspondence with West Lake Financial. These documents serve as evidence of the violations and the negative impact they have had on my credit profile. 

I urge West Lake Financial to address this matter promptly and to provide me with written confirmation of the actions taken to resolve the violations and remove the inaccurate information from my credit profile. Failure to do so will leave me with no choice but to escalate this complaint to the appropriate regulatory authorities and seek legal remedies available to me. 

I appreciate your immediate attention to this matter and expect a timely response within [ number of days ] of receiving this letter. Please provide me with updates regarding the progress of this complaint and any further actions I should take. 

Thank you for your prompt consideration and cooperation in resolving this issue. 

Sincerely XXXX XXXX

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