Consumer complaint received 2023-01-18
Company: Bridgecrest Acceptance Corporation
State: CO
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: Investigation took more than 30 days

Complaint:
On XXXX XXXX XXXX, a Bridgecrest associate stated that my government-issued ID from the United States Department of XXXX XXXX isnt a legal government identification. They also stated that my FTC Identity theft report needed to be notarized with a police report. This is a very falsifying statement when the law, identitytheft.gov website states a police report, notarized ID theft report, and affidavit ID theft report isnt a legal requirement. The FTC identity theft report was given legally filled out with the identitytheft.gov website and was legally processed and properly identified by government officials known as the Fair Trade Commission. Also, as stated before, I dont know the names of people and companies such as Bridgecrest who obtain my information illegally or how this occurred with my information being stolen and missed used with no legal instrument for the past 2 years. 
According to 15 U.S. Code 1681c 2 Block of information resulting from identity theft : ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
So, I dont understand why am I being discriminated against by the fact that I showed my legal government-issued Veteran disabled ID that was issued from the government. My government-issued ID from the United States Department XXXX XXXX XXXX is a legal government identification. And again, my identification was issued by the United States Department of Veterans Affairs which, is an owned entity by the government itself. 
Also 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer because of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 
( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. 

Bridgecrest has violated my consumer rights in the following manner : 1 ) Defamation of Character 2 ) Negligent Infliction of Emotional Distress 3 ) Violation of 15 U.S.C. 1666 Billing Error Violation of 15 U.S. Code 1681 - Congressional findings and statement of purpose 4 ) Violation 15 U.S.C. 1681 section 602 A States I have a right to privacy.

5 ) Violation 15 U.S.C. 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1692k states that I'm entitled to {$1000.00} per violation 6 ) violation of 15 U.S.C. 1681n Civil liability for willful noncompliance because once again a police report isnt needed in the process for identity theft block and removal.

7 ) violation of 15 U.S.C. 1692g Validation of debts Both of these companies have all of the following information for the record as well from previous complaints. Such as GOVT. ID and FTC report another one has been attached for the record. Please stop discriminating against my docs my FTC Identity theft report is completed correctly and is in good standing according to our laws established with congress.

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