Consumer complaint received 2025-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Westlake Services, LLC
State: GA

Complaint narrative:
VALIDATION AND CEASE AND DESIST XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX Dear XXXX XXXX XXXX  I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 

Notification to Other XXXX I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter. 
Dear XXXX XXXX XXXX I am writing to formally request a copy of the XXXX  Form XXXX related to the alleged cancellation of debt for the following account : Account Name : XXXX XXXX XXXX  Account Number : XXXX Charge-Off/Cancellation Date XX/XX/year> Under XXXX  regulations, creditors are required XXXX issue a XXXX form when a debt of {$600.00} or more is canceled or forgiven. If this debt has been legally canceled, I request that you provide a copy of the XXXX filed with the XXXX, as well as any supporting documentation verifying the cancellation. 

Additionally, if a XXXX was issued, please confirm : XXXX. The date of cancellation recorded. 

XXXX. Whether the debt was reported to the XXXX  as income. 

XXXX. If the cancellation was due to a settlement, discharge, or another reason If you did not issue a XXXX, I request written confirmation that this debt remains valid and was not reported to the XXXX  as canceled. 

Please provide the requested documents within XXXX  days of receiving this letter. Failure to respond may result in further actions, including a dispute with the credit bureaus , the XXXX, and regulatory agencies if necessary

Company response to consumer: Closed with explanation