Consumer complaint received 2024-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Westlake Services, LLC
State: MO

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Westlake Financial Services regarding their handling of an alleged debt associated with account number XXXX. The purpose of this complaint is to bring to your attention the company 's failure to provide adequate validation of the debt, as required by the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

I have previously communicated with Westlake Financial Services, requesting a thorough validation of the alleged debt and specific evidence regarding the opening date of the account. Despite my efforts to resolve this matter amicably, the company has failed to provide the necessary information within the stipulated time frame. 

The lack of detailed validation and evidence pertaining to the opening date of the account raises serious concerns about the accuracy and legitimacy of the reported debt. I believe Westlake Financial Services is in violation of consumer protection laws, leading to potential harm to my credit and financial well-being. Moreover, I remind you of my right to closely monitor the method of verification, and I explicitly do not consent to e-Oscar or any automated means of verification. 

Furthermore, my attempts to settle the matter amicably have been met with resistance, as the company has not shown a willingness to engage in fair and transparent communication. The refusal to address these concerns in a timely and thorough manner has compelled me to escalate this matter to the Consumer Financial Protection Bureau for intervention. 

I am seeking the following remedies : A comprehensive investigation into Westlake Financial Services ' handling of the alleged debt associated with account number XXXX. 
Verification of the accuracy of the reported debt and confirmation of compliance with FDCPA and FCRA regulations. 
Enforcement of consumer protection laws to ensure fair and transparent communication between the consumer and Westlake Financial Services. 
Any necessary actions to rectify inaccuracies and mitigate the potential harm caused to my credit and financial standing. 
Enclosed with this complaint, please find copies of all relevant correspondence between myself and Westlake Financial Services, including the initial dispute letter and subsequent communication. 

I appreciate the Consumer Financial Protection Bureau 's dedication to ensuring fair and just practices within the financial industry. I trust that your intervention will lead to a prompt resolution of this matter and prevent any further violations of consumer rights. 

Thank you for your attention to this serious matter. I look forward to a timely and satisfactory resolution.

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