Consumer complaint received 2023-02-02
Company: Bridgecrest Acceptance Corporation
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
To Whom It XXXX Concern, I initially filed a complaint here against Bridgecrest Acceptance Corporation in regards to the companys reporting on my consumer report. 

My inquiry was simply on behalf of their inaccurate reporting. 

The company has responded ( attached ) disagreeing with my complaint. 

On XX/XX/XXXX, at 133 days past due, XXXX XXXX account charged off due to non-payment and it has been reported as such since. The vehicle was subsequently recovered and sold at auction, with the proceeds applied to the accounts principal balance. 

I disagree, as the black and white of my credit report reports XXXX, XXXX for the initial charge off ; not as stated/reported ( XX/XX/XXXX ) If my last payment was XX/XX/XXXX ( As reported on my consumer report ) and the account charged off 133 days after ; then, it is IMPOSSIBLE for XXXX, XXXX to reflect upon a charged off status. 

To detail this matter, XXXX follows XXXX and XXXX, XXXX, XXXX etc follows XXXX. 

That said, my consumer report shows a charge off in 90 days amid the reported Last payment, not 133 days as the company claims. 

In addition, Bridgecrest confirms theyre currently reporting this account accurately as the FCRA requires. 

Upon receiving XXXX XXXX complaint, we reviewed his concerns and confirmed that all policies, procedures, and applicable laws were followed in the administration of his account and our reporting of his tradeline to the CRAs. 

I disagree. 

Bridgecrest suggests that I communicate directly with the CRAs in regards to the account. 

Well, I have done so ; almost half of last year. ( Since XXXX, XXXX ) I will attach below a copy of how my credit report was reporting ( XXXX, XXXX ) prior to my initial complaint here, I will also make highlights of the INCOMPLETENESS I am referring to ; additionally, I will also attach below how the account is now reporting as of XXXX, XXXX. 

You will see how Bridgecrest/XXXX  updated the historical trended data; minimizing the payment history. ( To help better understand, Ive attached below a copy of how XXXX XXXX is reporting ALL information ; displaying Balance, Past Due, Amount Paid etc. ) XXXX continues to VERIFY the account as ACCURATE when it has been clear as day the account has been reporting INCOMPLETE. ( XXXX, XXXX credit report is attached ; before minimizing the historical trended data to only reflect the accounts RATING ) Without all of this information, I have no way of knowing if you are keeping or planning on keeping information on my report longer than the law allows you to keep it. And no way of knowing what errors you are reporting -- without being able to see all of my file contents, I can not dispute errors that you XXXX have on it. This is very frustrating to not be able to see this information that you are supposed to be providing to me. If you wont give me all of this information accurately and completely, then please delete the account. 

I need Bridgecrest to only report information that is 100 % accurate and complete on me. I do not want any incorrect, incomplete, or misleading information on my report. 

To be clear, if you can not fix the inaccurate reporting of CHARGED OFF XXXX, XXXX then notify the CRAs for a deletion of this account from continuing to report onto my consumer report.

Please be reminded of : 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

Company response to consumer: Closed with explanation