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Illegal Vehicle Repossession & Sale XXXX XXXX repossessed my vehicle without providing proper legal notice, including : No Notice of Intent to Sell No Notice of Disposition Following the sale of the vehicle, they failed to credit my loan balance with the proceeds or provide an accounting breakdown of how the funds were applied, in violation of UCC Article 9 and relevant state consumer protection statutes.\n\n3. Inaccurate & Harmful Credit Reporting XXXX has been reporting inaccurate information to the credit bureaus since XXXX, including : Falsely reporting a closed account as open - Please see attachment Pg. 3. \n\nOmitting a monthly payment entry Continuing to report the balance as due despite the vehicles sale and no debt validation Ignoring multiple consumer disputes, refusing to correct or investigate as required by the FCRA Their actions have severely harmed my credit profile and limited my financial opportunities for several years. \n\nAgain, this has been taking place since XXXX and XXXX XXXX has willingly continued to report inaccurate information on my Credit Report. This loan was a Predatory Loan to begin with and they continue to operate with Unethical and Fraudulent Lending Practices. I am now seeking to retain an Attorney to sue them for Damages.","date_sent_to_company":"2025-06-23T13:56:57.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"29301","tags":null,"has_narrative":true,"complaint_id":"14210530","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-06-23T13:56:34.000Z","state":"SC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Illegal Vehicle Repossession & Sale XXXX XXXX repossessed my vehicle without providing proper legal notice, including : No Notice of Intent to Sell No Notice of Disposition Following the sale of the vehicle, they failed to credit my loan balance with the proceeds or provide an <em>accounting</em> <em>breakdown</em> of how the <em>funds</em> <em>were</em> <em>applied</em>, in <em>violation</em> of UCC <em>Article</em> 9 and <em>relevant</em> state consumer protection statutes.\n\n3."],"sub_issue":["<em>Account</em> information incorrect"]},"sort":[23.059046,"14210530"]},{"_index":"complaint-public-v1","_id":"14211765","_score":22.999664,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am submitting this formal complaint against Westlake Financial Services regarding unlawful, unethical, and deceptive lending practices, as well as willful violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). \n\nKey Issues : 1. Predatory Auto Loan I entered into a loan agreement with Westlake Financial in XXXX or XXXX and they have all of my excellent payment history missing from that time to XXXX on my Credit Reports. The loan also contained excessive interest rates and unfair terms that meet the definition of predatory lending. I was misled about repayment terms and obligations. \n\n2. Illegal Vehicle Repossession & Sale Westlake Financial repossessed my vehicle without providing proper legal notice, including : No Notice of Intent to Sell No Notice of Disposition Following the sale of the vehicle, they failed to credit my loan balance with the proceeds or provide an accounting breakdown of how the funds were applied, in violation of UCC Article 9 and relevant state consumer protection statutes.\n\n3. Inaccurate & Harmful Credit Reporting Westlake has been reporting inaccurate information to the credit bureaus since XXXX, including : Falsely reporting a closed account as open - Please see attachment Pg. 3.\n\nOmitting a monthly payment entry Continuing to report the balance as due despite the vehicles sale and no debt validation Ignoring multiple consumer disputes, refusing to correct or investigate as required by the FCRA Their actions have severely harmed my credit profile and limited my financial opportunities for several years.\n\nAgain, this has been taking place since XXXX and Westlake Financial has willingly continued to report inaccurate information on my Credit Report. This loan was a Predatory Loan to begin with and they continue to operate with Unethical and Fraudulent Lending Practices. I am now seeking to retain an Attorney to sue them for Damages.","date_sent_to_company":"2025-06-23T13:56:56.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"29301","tags":null,"has_narrative":true,"complaint_id":"14211765","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Westlake Services, LLC","date_received":"2025-06-23T12:43:44.000Z","state":"SC","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Illegal Vehicle Repossession & Sale Westlake Financial repossessed my vehicle without providing proper legal notice, including : No Notice of Intent to Sell No Notice of Disposition Following the sale of the vehicle, they failed to credit my loan balance with the proceeds or provide an <em>accounting</em> <em>breakdown</em> of how the <em>funds</em> <em>were</em> <em>applied</em>, in <em>violation</em> of UCC <em>Article</em> 9 and <em>relevant</em> state consumer protection statutes.\n\n3."],"sub_issue":["<em>Account</em> information incorrect"]},"sort":[22.999664,"14211765"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":2,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":2}]}},"product":{"doc_count":2,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":2,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":2}]}}]}},"issue":{"doc_count":2,"issue":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Incorrect information on your report","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Account information incorrect","doc_count":2}]}}]}},"timely":{"doc_count":2,"timely":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Yes","doc_count":2}]}},"company_response":{"doc_count":2,"company_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Closed with explanation","doc_count":2}]}},"submitted_via":{"doc_count":2,"submitted_via":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Web","doc_count":2}]}},"company":{"doc_count":2,"company":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Experian Information Solutions Inc.","doc_count":1},{"key":"Westlake Services, LLC","doc_count":1}]}},"state":{"doc_count":2,"state":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"SC","doc_count":2}]}},"company_public_response":{"doc_count":2,"company_public_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","doc_count":1}]}},"tags":{"doc_count":2,"tags":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}}},"_meta":{"license":"CC0","last_updated":"2026-07-14T12:00:00-05:00","last_indexed":"2026-07-14T12:00:00-05:00","total_record_count":16441818,"is_data_stale":false,"has_data_issue":false,"break_points":{}}}