Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bridgecrest Acceptance Corporation (NC)

I am writing to formally request validation of the debt that you claim I owe, pursuant to the Fair Debt Collection Practices Act ( FDCPA ), the Truth in Lending Act ( TILA ), and other applicable federal consumer protection laws. As a consumer, I have rights under these laws, and I require that you provide proper documentation to verify the legitimacy of this debt, its terms, and its legal compliance. 

Details of the Transaction : Transaction Date : XX/XX/year> Transaction Amount : {$33000.00} XXXX Account Number : XXXX XXXX  Account Number : XXXX # # # 1. **Truth in Lending Act ( TILA ) - 15 U.S. Code 1601** I request full disclosure of all information regarding the terms and conditions of the alleged debt as required by TILA, specifically : - All finance charges. 
- Annual Percentage Rates ( APR ) and other related charges. 
- The total of payments and any associated costs. 

**15 U.S. Code 1601** outlines the purpose of TILA, which is to ensure that consumers are provided with clear and understandable information regarding credit terms. 

# # # 2. **Definitions under TILA - 15 U.S. Code 1602 ( g ), ( j ), ( i ), ( k ), ( p ) ** - Provide the definition of " creditor, '' " consumer, '' and other related terms used in your communication as outlined in this section. 
- I request clarification on how you have classified me as a " consumer '' and how this applies to the debt in question. 

# # # 3. **Consumer Law 15 U.S. Code 1604 ( a ), ( b ) ** - This section outlines the regulations established by the Consumer Financial Protection Bureau ( CFPB ). Please provide evidence that the terms of the alleged debt meet these federal guidelines. 

# # # 4. **Consumer Law 15 U.S. Code 1605 ( a ) ( 1-6 ), ( c ), ( d ) ( 1-3 ), ( e ) ( 1-6 ) ** - I request a breakdown of all finance charges related to this debt, including but not limited to : - Interest. 
- Service fees. 
- Collection charges. 
- Any other fees or charges associated with the alleged debt. 

# # # 5. **Consumer Law 15 U.S. Code 1606 ( a ) ( 1 ) ( A ) ( B ), ( 2 ), ( b ), ( c ), ( d ), ( e ) ** - I request detailed calculations of the Annual Percentage Rate ( APR ), and how it was applied to the alleged debt. 

# # # 6. **Consumer Law 15 U.S. Code 1611** - Any violations of TILA provisions should be disclosed. Specifically, if there were any failures in providing clear disclosures as mandated by law. 

# # # 7. **Consumer Law 15 U.S. Code 1640 ( a ) ( 1-4 ), ( d ), ( e ) ( 1-3 ), ( f ) ** - I seek confirmation that no penalties or damages have been imposed in violation of these consumer protection laws. Any statutory damages or compensation related to violations of these sections should be clearly outlined. 

# # # 8. **Consumer Law 15 U.S. Code 1635 ( a ), ( b ), ( c ), ( d ), ( f ), ( g ), ( i ) ( 1 ) ( 3 ) ( 4 ) ** - I request any documentation that outlines my right of rescission regarding this debt, in accordance with the regulations under this section. 

# # # 9. **Consumer Law 15 U.S. Code 1662 ( 1 ), ( 2 ) ** - I request documentation that demonstrates that no false or misleading advertising, or unfair practices, have been used to secure this debt. 

# # # 10. **Consumer Law 15 U.S. Code 1681n ( a ) ( 1 ) ( A ) ( B ) ( 2 ) ( 3 ), ( b ), ( c ), ( d ) ** - Please provide verification that my credit information has not been misused, and that you are in compliance with the Fair Credit Reporting Act ( FCRA ). 

# # # 11. **Consumer Law 15 U.S. Code 1692 ( a ), ( b ), ( c ), ( d ), ( e ) ** - Under the FDCPA, I am requesting validation and clarification of the debt, including : - The amount of the debt. 
- The name of the original creditor. 
- A breakdown of all interest, fees, and charges. 
- Any evidence of written agreement or contract that makes me liable for this debt. 

# # # 12. **Consumer Law 15 U.S. Code 1692g ( a ) ( 1-5 ), ( b ), ( c ), ( d ), ( e ) ** - You are required to provide the following under the FDCPA : - The amount of the debt. 
- The name of the creditor. 
- A statement regarding my rights to dispute the debt within 30 days. 
- Verification of the debt. 

# # # 13. **Consumer Law 15 U.S. Code 6802 ( a ), ( b ) ( 1 ) ( A ) ( B ) ( C ) ** - I request confirmation that my financial information has been handled in accordance with the Gramm-Leach-Bliley Act, ensuring my privacy rights have not been violated. 

# # # 14. **Consumer Law 15 U.S. Code 6803 ( a ) ( 1-3 ), ( b ), ( c ) ** - Please provide information regarding your privacy policy and any disclosures made regarding my personal financial information. 

# # # 15. **Consumer Law 15 U.S. Code 6804 ( a ) ( 1 ) ( A-D ) ( 2 ) ( 3 ), ( b ) ** - I request documentation of compliance with these regulations regarding privacy and the safeguarding of my personal financial information.