Consumer complaint received 2017-11-16
Company: Bridgecrest Acceptance Corporation
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
This response to Bridgecrest Acceptance Corporation 2nd response. From day one, all I wanted Bridgecrest to do, is to call all 3 credit bureaus to fix this so called split file problem, that never existed. Now from my first complaint I told Consumer Financial Protection Bureau that " Bridgecrest have not called not one credit bureau and they actually admitted they did not call the credit bureaus that they are required by law to do for there customers. I have a recorded conversations from both XXXX and XXXX admitting that Bridgecrest never called them, like XXXX XXXX say they did in the 2nd response, Bridgecrest still do not appear on my credit report and that this split file do not exists and have never existed. It 's all lies, there making it up! Why? CFPB want do an investigation, It 's obvious that they 're not telling the truth, just read there response. So if Bridgecrest all of a sudden call all 3 credit bureaus in reference to my complaint, so why Bridgecrest did not call all 3 bureaus months ago, when I called and ask them to do so, which they 're required by law to do, report and update customers data financial history. Why CFPB allowing Bridgecrest to commit law violations against there customers. Ask yourself this question, I been paying on a automobile from Bridgecrest/XXXX for 15 months, never missed a payment, the money coming directly from my account, so my interest still 22.792 %. Since XXXX XXXX, XXXX, the day I entered into there Interest Retail Installment contract. Every contract I sign goes into XXXX XXXX XXXX. Also I am the secured party ( File # XXXX XXXX for the XXXX XXXX XXXX. I have Power of Attorney ( Registered # XXXX, XXXX XXXX, XXXX XXXX Recorded in the Clerk 's Office of XXXX, Virginia also Authenticated ( # XXXX ) by XXXX XXXX, XXXX of XXXX of Virginia. Bill of Conveyance ( Registered # XXXX XXXX XXXX, XXXX ) as the GRANTEE of the XXXX XXXX XXXX XXXX Vin # XXXX. XXXX # XXXX. Bridgecrest several times, refuse to give me documentation of all records of accounting to show that the money that was loaned to me for the XXXX XXXX XXXX, where did the money come from? Can I see some documentation to proved if there was really a real loan. Now I 've been studying all types of laws for 10 years, I know that the United States is a federal corporation ( Title 28 Sec. 3002 ( 15 ), it 's been going through what is called Chapter 11,  reorganization since XXXX, I know XXXX and XXXX XXXX XXXX destruction the XXXX XXXX XXXX and replaced it with a XXXX XXXX XXXX, to say this " there is no money '' that is why in XXXX Congress passed the Federal Tax Lien Act and placed the entire taxing and monetary systems of the United States under the Uniform Commercial Code. Now there 's no lawful money only legal tender, and there are four types of legal tender " Cashier 's checks, Money Orders, Certificates of Deposit and Promissory Notes '' That is why I went to my bank, which was XXXX XXXX got them to Notarize my " Promissory Note '' also to stamp it with a " Medallion Signature Guarantee Stamp '' along with her signature, making it legal tender. I mail my promissory note to Bridgecrest 3 times along with a notarized Affidavit of Discharge and Tender Acknowledgement and Authenticated ( # XXXX ) by XXXX XXXX, XXXX of XXXX of Virginia XXXX Bridgecrest refuse to accept my documents and never rebutted my affidavit. " an unrebutted affidavit stands as truth '' Ten Maxims of Law. Here 's another thing Bridgecrest, I never missed a payment, the money comes directly from my account, for 15 months, never late, so why have n't my interest rate went down, my interest rate should not still be 22.792 %, I have a credit score of XXXX with out Bridgecrest reporting my financial data to the credit, I do n't understand why it 's still 22.792 %. Bridgecrest hindering my way of life. XXXX XXXX is not accepted by any means.

Company response to consumer: Closed with explanation