Consumer complaint received 2025-07-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: Westlake Services, LLC
State: AZ

Complaint narrative:
Background : I entered into a 72-month retail installment contract with Westlake Financial on XX/XX/XXXX, with my first payment due XX/XX/XXXX. The loan was charged off on XX/XX/XXXX, after the vehicle was repossessed and sold at auction. 
1. False Reporting of Deferred Payments Westlake has provided inconsistent and conflicting deferment counts to me and regulatory agencies : They told me there were 13 deferments They reported 9 deferments to the CFPB They reported 17 deferments to the Arizona Attorney General However, their own internal loan ledger shows only 12 properly documented extensions, labeled as " EXTENSION '' between XXXX and XXXX. 
They have not provided signed deferment agreements for these 17 claims. This inconsistency affects the true maturity date of the loan and may have contributed to wrongful repossession or an accelerated charge-off. The misrepresentation of deferments is deceptive, misleading, and materially harmful to my financial history and legal standing.

2. Misreported Loan Balance Credit Reporting Violation As of XX/XX/XXXX, Westlake is still reporting a balance of {$22000.00} to credit bureaus. 
However, their own documents show : The loan was charged off on XX/XX/XXXXXXXX  The final charge-off principal balance was {$17000.00} No new legal action, judgment, or court order has been initiated against me that would justify the higher amount This means Westlake is reporting a debt balance that exceeds the actual amount owed, which is a violation of the Fair Credit Reporting Act ( FCRA ) and causes direct harm to my creditworthiness. 
3. Ongoing Credit and Financial Harm Due to this lenders actions : My credit report is inaccurate, showing inflated debt and derogatory history I have experienced denied credit, higher interest rates, and ongoing financial distress My ability to secure housing, refinance, or establish good credit is being unlawfully damaged 4. Requested Resolution I respectfully request the CFPB to investigate and take the following actions : Require Westlake Financial to provide all signed documentation related to claimed deferments Require them to correct the credit reporting to reflect the actual charge-off balance of {$17000.00} Determine whether false deferment reporting contributed to an unlawful or premature repossession Compel Westlake to issue written correction ( s ) to the credit bureaus Investigate the pattern of conflicting information submitted to government agencies, which may constitute deceptive business practices 5. False Account Closure Date In addition to the above violations, Westlake Financial is also reporting an incorrect closure date on my credit file. My credit report shows the loan was closed on XX/XX/XXXX, but Westlakes own internal records show the account was charged off and XXXX  out by XX/XX/XXXX, after auction proceeds were applied on XX/XX/XXXX. 
This incorrect reporting : Extends the appearance of an active delinquent account by an additional 30 days Is materially inaccurate and deceptive Causes further harm to my XXXX XXXX and misrepresents the timeline of events I request that the CFPB require XXXX to correct the closure date to reflect the true charge-off date and confirm that the account is no longer accruing interest or reported as open in any capacity. 

XXXX. Falsely Reported Account XXXX XXXX is inaccurately reporting the duration of my loan. My credit report states the account has been open for 8 years and 6 months, despite the fact that : The loan originated on XX/XX/XXXX It was for a XXXX term It was charged off on XX/XX/XXXX No new activity has occurred since This is factually and legally inaccurate and directly violates the Fair Credit Reporting Act. It : Misrepresents my current debt obligations Distorts the age of my credit accounts Causes unnecessary and prolonged credit harm I request that XXXX and the credit bureaus correct the reporting to reflect : A XXXX loan term A closure date of XX/XX/XXXX Accurate credit aging metrics Closing I believe XXXX practices XXXX both federal and state laws and have caused long-term damage to my credit and financial health. I am requesting regulatory support to enforce my rights under the FCRA, XXXX, and FDCPA, and to correct the harm done. 
Thank you for your time and support in this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation