Product: Credit reporting or other personal consumer reports

Inaccurate Reporting-Date Reported : Reported to CRAs as of XX/XX/2023 while account is in dispute This information is inaccurate because furnisher was notified of Dispute as of XX/XX/2023 and BRIDGECREST has violated the Fair Credit Reporting Act ( FCRA ) Bridgecrest reported that I owe {$14000.00} reported to CRAs, but the current balance showing on creditor statement is {$14000.00} Bridgecrest reported that I owe {$1000.00} that account is past due as of XX/XX/2023 reported to CRAs Reported and updated on XX/XX/2023 Bridgecrest reported that I owe {$1700.00} showing on the creditor statement as of XX/XX/2023. 
The FCRA prohibits a furnisher to report inaccuracies and any account status to a credit reporting agency that an account is in dispute from a consumer Violations include but are not limited to : 15 USC 1681s-2 ( a ), which is a section of the Fair Credit Reporting Act ( FCRA ) that requires the loan company to provide accurate and timely information to the credit bureaus, and to correct any errors or inaccuracies upon notice.

15 USC 1681m ( a ), which is another section of the FCRA that requires the loan company to notify the consumer of any negative information that is reported to the credit bureaus within 30 days of reporting it.

15 USC 1681i ( a ), which is yet another section of the FCRA that requires the loan company to investigate and resolve any disputes that the consumer raises about the accuracy or completeness of the information reported to the c
redit bureaus within 30 days of receiving the dispute.

15 USC 1601 et seq., which is the Truth in Lending Act ( TILA ) that requires the loan company to provide clear and conspicuous disclosures of the terms and costs of the loan, such as the amount, interest rate, repayment schedule, and fees.

12 CFR Part 1026, which is Regulation Z that implements TILA and provides detailed rules and guidance for the loan company to comply with TILAs requirements.

These violations can result in civil liability, administrative enforcement, or criminal prosecution for XXXX/BRIDGECREST. I the consumer can also seek remedies such as actual damages, statutory damages, punitive damages, attorney fees, and costs under these laws. 

Violations that BRIDGECREST committed by showing a statement different than what is reported to the credit bureaus are : Failing to provide accurate and timely information to the credit bureaus, such as the amount, status, and history of the loan, including Dispute status. 
Failing to notify the consumer of any negative information that is reported to the credit bureaus, such as late payments, defaults, or charge-offs. 
Failing to investigate and resolve any disputes that the consumer raises about the accuracy or completeness of the information reported to the credit bureaus. 
Failing to comply with the consumers request for a copy of their credit report or a statement of their rights under the FCRA. 
Charging excessive interest rates, fees, or penalties that are much higher than the market rate or the borrowers creditworthiness Failing to disclose or explain the true costs and terms of the loan, or hiding them in fine print or confusing language Misrepresenting or falsifying the borrowers income, assets, credit score, or ability to repay the loan Adding unnecessary products or services to the loan, such as credit insurance, extended warranties, or debt cancellation agreements These violations has harmed my consumers credit score, limit borrowing options, and expose them to potential lawsuits or penalties. I the consumer can sue the company for damages, attorney fees, and costs under the FCRA that the company acted negligently or willfully in violating my rights. 

Violations to include : Breach of Contract, Unfair or Deceptive Practices, Predatory Lending