Consumer complaint received 2022-02-09
Company: Bridgecrest Acceptance Corporation
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
***THIS IS NOT A DUPLICATE COMPLAINT. *** I AM THE CONSUMER AND I KNOW MY RIGHTS 12 USC 5511 ( c ) ( 2 ). The Consumer Financial Protection Bureau is to protect me from unfair deceptive or abusive practices from discrimination, 12 USC 5511 ( b ) And enforce actions of violations of Federal Consumer Financial Law. **** I AM THE CONSUMER, GUARDIAN, ADMINISTRATOR AND EXECUTOR PURSUANT TO 15 USC 1692c ( d ). BRIDGECREST ACCEPTANCE CORPORATION AND BRIDGECREST XXXX XXXX VIOLATED REGULATION P THE XXXXRAMM LEACH BLILEY ACT.

Seeing that Bridgecrest Acceptance Corporation and its subsidiaries are minors, it is a piece of paper and can not speak, I am pleased to see XXXX XXXX Agency Specialist is taking the initiative to speak on behalf of Bridgecrest Acceptance Corporation and Bridgecrest XXXX XXXX to defend its unlawful noncompliance issues toward their Code of Federal Regulations and all other various fraudulent acts. I will now address XXXX XXXX Agency Specialist directly. 

XXXX XXXX advised that her company is accurately reporting a tradeline to credit reporting agencies. I am uncertain if XXXX XXXX read my consumer complaint or if she is deliberately ignoring the vital terms I used in my consumer complaint. I never used the terms tradeline, reporting or credit reporting agencies in my opt out notice. Those terms are not defined in the Gramm Leach Bliley act so I am unsure as to why XXXX XXXX is using distracting terms. The terms I used and that are defined and can be found in the Gramm Leach Bliley Act, Regulation P, are Nonpublic personal information, Personally Identifiable Financial Information, Nonaffiliated Third Parties, Consumer Reporting Agencies, Disclose, Opt out. It seems as if XXXX XXXX is trying to purposely avoid those words because her company, who she represents, is in noncompliance or she is unaware of the GRAMM LEACH BLILEY Act which is a PUBLIC LAW.

Pursuant to 12 CFR 1016.7 ( h ) Opting out is my RIGHT.

Pursuant to 12 CFR 1016.7 ( h ) I, the consumer, can opt out at ANY TIME of my nonpublic personal information from being disclosed to any nonaffiliated third party.

Pursuant to 12 CFR 1016.7 ( i ) ( 1 ) my opt out direction is EFFECTIVE until I, the consumer, revokes it. XXXX XXXX can not counter my opt out direction, it is already in EFFECT.

I stated in my complaint, that the consumer reporting agencies are nonaffiliated third parties of Bridgecrest Acceptance Corporation and Bridgecrest XXXX XXXX. 
Pursuant to 15 United States Code 6809 Nonaffiliated Third Party means ANY ENTITY ( that includes consumer reporting agencies, nonaffiliated third party debt collector, etc ) that is not an affiliate of, or related by common ownership or affiliated by corporate control with Bridgecrest Acceptance Corporation and Bridgecrest XXXX XXXX. 
Pursuant to 12 CFR 1016.3 ( o ) ( 1 ) The definition of a Nonaffiliated Third Party means ANY person except your affiliate. 

However, if XXXX XXXX and the officials of Bridgecrest Acceptance Corporation and Bridgecrest XXXX XXXX is declaring that the consumer reporting agencies are indeed its affiliates, I am demanding proof that aligns with the definition of an Affiliate pursuant to 12 CFR 1016.3 ( a ) ( 1 ) and the definition of Control pursuant to 12 CFR 1016.3 ( g ) : 1. Bridgecrest Acceptance Corporation and its subsidiaries controls the consumer reporting agencies, 2. Bridgecrest Acceptance Corporation and its subsidiaries are controlled by the consumer reporting agencies and/or, 3. Bridgecrest Acceptance Corporation and its subsidiaries and the consumer reporting agencies are under the same common control of another company. 
Please send proof of your lawful affiliation for each consumer reporting agency as well as a notarized affidavit signed by your Chief Financial Officer to my location information as well as attach it to this Official Federal Complaint no later than 3 business days. 

If XXXX XXXX, Bridgecrest Acceptance Corporation, Bridgecrest XXXX XXXX can not provide proof that all consumer reporting agencies are indeed its affiliates, the CFPB, the FTC, and I the executor, will be obliged to believe that the consumer reporting agencies are nonaffiliate third parties to Bridgecrest Acceptance Corporation and Bridgecrest XXXX XXXX. And by Bridgecrest Acceptance Corporation continuing to disclose my nonpublic personal information and personally identifiable financial information to these nonaffiliated third party consumer reporting agencies, after I have revoked my consent, they are in direct noncompliance of Regulation P ; which will result in a {$100000.00} fine per violation and 5 years in prison for any person who has now taken responsibility for violating this Federal Act that Congress put in place. 

Noncompliance violations of Regulation P listed below but not limited to : 1. 12 CFR 1016.4 ( a ) I, the consumer, was never provided a clear and conspicuous privacy notice that accurately reflects Bridgecrest Acceptance Corporation privacy policies and practices.

2. 12 CFR 1016.5 ( a ) I was never provided a clear and conspicuous ANNUAL privacy notice that accurately reflects Bridgecrest Acceptance Corporation privacy policies and practices 3. 12 CFR 1016.6 ( a ) ( 1 ) - ( 9 ) In not being provided with a clear and conspicuous privacy notice Bridgecrest Acceptance Corporation is in noncompliance of 12 CFR 1016.6 ( a ) ( 1 ) - ( 9 ) 4. 12 CFR 1016.7 I was never provided an opt out notice or opt out methods from Bridgecrest Acceptance Corporation to enable me to opt out of them reporting my nonpublic personal information 5. 12 CFR 1016.7 ( g ) enforces that Bridgecrest Acceptance Corporation MUST comply with my opt out direction as soon as reasonably practicable after Bridgecrest Acceptance Corporation and Bridgecrest XXXX XXXX receives it. XXXX XXXX stated she will continue to disclose my nonpublic financial information to the nonaffiliated third party consumer reporting agencies after receiving my opt out directions. 
XXXX. 12 CFR 1016.9 ( a ) I never received any privacy notices and opt out notices from Bridgecrest Acceptance Corporation and Bridgecrest XXXX XXXX Pursuant to 12 CFR 1016.15 ( a ) ( 1 ) MY CONSENT AND DIRECTION IS OFFICIALLY REVOKED. 

Furthermore, XXXX XXXX has declared Bridgecrest Acceptance Corporation and its subsidiaries has charged off this alleged debt on XX/XX/2021. Pursuant to IRS federal laws I havent received any of the appropriate tax documents. I am demanding the 1099a, 1099c and/or the 1099OID along with any other tax document, to legally file this alleged debt that has now become my income pursuant to IRS tax code. If I do not receive the proper tax documents, I will report Bridgecrest Acceptance Corporation to the Internal Revenue Service for tax fraud.

I am the consumer, guardian, executor and administrator of this account, when I give my direction to opt out of my personally identifiable financial information from being disclosed the opt out officially takes effect, is in force, goes into operation and consent is revoked. You can not lawfully tell me you will continue to disclosed my personally identifiable financial information to nonaffiliated third parties, only if of course, you want to be fined, imprisoned and sued for personal damages caused to me. 12 CFR 1016.15 ( a ) ( 1 ) CONSENT AND DIRECTION IS OFFICIALLY REVOKED. 


XXXX : XXXX Without recourse, Without prejudice, All natural inalienable rights are reserved ATTENTION : CONSUMER FINANCIAL PROTECTION BUREAU ATTENTION : OFFICE OF THE COMPTROLLER OF CURRENCY ATTENTION : FEDERAL TRADE COMMISSION ( BUREAU OF CONSUMER PROTECTION ) ATTENTION : BOARD OF GOVERNORS OF THE FEDERAL RESERVE ATTENTION : ILLINOIS ATTORNEY GENERAL ATTENTION : ARIZONA ATTORNEY GENERAL ATTENTION : FEDERAL BUREAU OF INVESTIGATION ATTENTION : FINANCIAL FRAUD ENFORCEMENT TASK FORCE

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