Credit reporting, credit repair services, or other personal consumer reports -- Improper use of your report -- Complaint #6268208
Complaint Overview
Complaint ID: 6268208
Company: Westlake Services, LLC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Other personal consumer report
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: New York
ZIP Code: 11701
Date Received: 2022-12-01T12:00:00-05:00
Date Sent to Company: 2022-12-01T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
In XX/XX/2022, I purchased a car from XXXXXXXX XXXX XXXX XXXX ' located at XXXX XXXX XXXX NY XXXX The sales representative gave me all the loan details directly from 'Westlake Financial ' who needed to have access to my credit report in order to make the sale. Once I made my downpayment, the sales representative told me I would receive a call from the Westlake Financial office to ask some questions regarding the sale and details of the car. A few days later I spoke with a Westlake Financial representative who indeed asked me questions about the car and the details of the sale. However, he did not express needing to obtain an additional copy of my credit report. Im positive he had the copy on file, as I would not have been able to enter the loan agreement without their access to my report. I am confused as to why he or someone in that office, pulled an additional copy of my credit report. Ive inserted a partial screenshot of my credit inquiries from XXXX. I circled the first day Westlake Financial was given access to my credit report on XX/XX/2022 through XXXX XXXX XXXX XXXX. Then on XX/XX/2022, post-sale, they accessed it again without my permission and necessity. I am not okay with the Inquiry made on XX/XX/2022. The additional inquiry was Unnecessary. It seems as though someone in the Westlake Financial Office decided to make an unauthorized use my social security number, to access to my credit report that was - and should - already be on file. Unbeknownst to me, even if a copy was in fact needed, that could've been obtained from XXXX XXXX XXXX XXXX The XX/XX/XXXX inquiry should not be on my credit report.
Frequently Asked Questions
What is Complaint #6268208 about?
Complaint #6268208 was filed against Westlake Services, LLC regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2022-12-01T12:00:00-05:00.
How did Westlake Services, LLC respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting, credit repair services, or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Westlake Services, LLC?
Yes, visit the Westlake Services, LLC company profile at readthecomplaint.com/company/westlake-services-llc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.