Consumer complaint received 2026-02-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, California XXXX Telephone : ( XXXX ) XXXX Email : XXXX Date : XX/XX/XXXX To : XXXX ) Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX Westlake Services, C, DBA Westlake Financial Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I submitting this CFPB complaint to dispute as an escalation following all prior CFPB complaint responses from Westlake Services LLC, DBA Westlake Financial Services. I disputed these inaccuracies through the credit bureaus. After receiving notice of the disputes, Westlake Financial Services failed to conduct a reasonable investigation and failed to correct or delete the inaccurate information. The inaccurate data continues to be reported across all three credit bureaus. 

This inaccurate credit reporting has directly harmed my ability to obtain transportation necessary for my employment as a registered nurse. 

* * * Westlake Financial Services has issued a written response stating that all information reported to XXXX XXXX XXXX XXXX is accurate and that no corrections will be made, despite ongoing discrepancies across the credit bureaus. * * * I am requesting that Westlake Financial Services correct all inaccurate information or remove the account from my XXXX XXXX XXXX XXXX credit reports. 


# # # XXXX. Misstatement of Amount Financed ( Down Payment Misapplication ) Westlake 's own records reflect that on XX/XX/XXXX, my {$2500.00} down payment was not applied to reduce the amount financed. Instead, the account reflects a principal balance that is mathematically impossible unless the down payment was added to, rather than subtracted from, the loan principal. 

A down payment must reduce principal before interest is calculated. Westlake 's failure to credit the down payment resulted in an inflated starting balance, causing interest, monthly payments, charge-off calculations, and the alleged deficiency to be calculated using an overstated principal balance. 

# # # XXXX. Static and Unreliable Balance Reporting From approximately XX/XX/XXXX through Post Date XX/XX/XXXX, the reported balance remained exactly {$15000.00} with no monthly variation. An interest-bearing motor vehicle installment account can not legitimately maintain an identical balance over such an extended period absent payoff, closure, or documented accounting adjustments. 

This static balance reporting demonstrates unreliable recordkeeping and a lack of active account maintenance, undermining Westlake ability to prove a lawful balance. 

# # # XXXX. Missing XX/XX/XXXX Payment In XX/XX/XXXX, I made a {$300.00} payment to Westlake Financial Services, as reflected in my bank records from XXXX XXXX XXXX XXXX. This payment does not appear anywhere in Westlake payment history and was never credited to my account. 

Failure to credit an actual payment inflates principal, results in improper interest accrual, and invalidates any alleged charge-off or deficiency calculation. 

# # # XXXX. Incomplete and Contradictory Credit Reporting All major consumer credit reports furnished by Westlake state that a last payment was made in XX/XX/XXXX. However, none of the reports identify the amount of any such payment, nor do they reflect any corresponding application to principal or interest, or any change in the reported balance. 

Reporting a payment without an amount is incomplete, unverifiable, and misleading. This contradiction further undermines Westlake 's claim of nonpayment and demonstrates that Westlake lacks transaction-level records sufficient to substantiate either the existence or application of the alleged payment FCRA Violations 15 U.S.C. 1681s-2 ( b ) ( 1 ) ( A ) Failure to conduct reasonable investigation 15 U.S.C. 1681s-2 ( b ) ( 1 ) ( D ) Failure to correct or delete inaccurate reporting 15 U.S.C. 1681s-2 ( a ) ( 3 ) Failure to properly mark disputes California Violations ( CCRAA/MCRA ) Cal. Civ. Code 1785.25 ( a ) Furnishing information with knowledge or reckless disregard of inaccuracies Cal. Civ. Code 1785.25 ( e ) Failure to properly investigate disputes Cal. Civ. Code 1785.31 Failure to correct or delete Cal. Civ. Code 1785.33 Civil liability for negligent or willful noncompliance After CFPB involvement, both XXXX and XXXX issued boilerplate responses that were materially identical in substance and failed to address the specific documentary evidence I provided which was their own documents. These responses did not explain how the disputed information was verified, what records were reviewed, or whether any human investigation was conducted. The identical language strongly indicates automated or perfunctory handling rather than a reasonable reinvestigation. 

Despite having notice through my prior CFPB complaint and credit bureau disputes, the credit reporting agencies continued to publish the same inaccurate information. This includes inconsistent account data, incomplete payment history, and continued reporting after dispute notice. No corrections or deletions were made, and no meaningful explanation was provided. 

This conduct demonstrates a failure to conduct a reasonable investigation as required by the Fair Credit Reporting Act, including but not limited to 15 U.S.C. 1681e ( b ) and 1681i ( a ). Continuing to furnish and publish disputed information after CFPB notice also raises concerns of willful or reckless noncompliance. 

I am requesting CFPB review of : The credit reporting agencies failure to conduct an individualized, reasonable reinvestigation Use of boilerplate responses after CFPB notice Continued reporting of disputed information after notice Lack of transparency regarding verification methods Attached are copies of : payment history provided by XXXX XXXX XXXX XXXX Debt collector bank statement from XXXX XXXX XXXX XXXX showing {$300.00} payment XX/XX/XXXX credit report from XXXX and XXXX I am requesting supervisory review and appropriate enforcement or corrective action.

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