Consumer complaint received 2021-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bridgecrest Acceptance Corporation (NC)

Okay, I have a major issue. Here is the breakdown. I was a co-signer on a car loan with my ex-husband PRIOR to my knowledge of being divorced. From the beginning of this loan ; I have been through a bumpy ride with Bridgecrest AND my ex-husband. I have explained this to Bridgecrest from the beginning of this loan along with the proper documentation ( divorce records - attached ) to prove that I was bamboozled into co-signing. I found out months later AFTER I signed that I was divorced in another county. I have attached a copy of those divorce records for review. 

So here is the now ; I am under contract for a home loan ( literally building a home ). My first home loan. One of the contingencies of the loan was that XXXX traded in the car OR paid it off so it would not affect my debt to income. So it is imperative that everything stays the same or get better not worse. The car was traded in on XX/XX/XXXX, the payment was sent in from XXXX around the XX/XX/XXXX. We called in to ensure that everything was great and there was another small payment due for {$130.00}. He paid it over the phone and we were told that everything was okay. I was also told that the account would update immediately ; which was always incorrect. I called back on XX/XX/XXXX to ask for a letter for the update ; I was told that the account would update at the end of the month. I asked for a letter ; and it was sent to me on XX/XX/XXXX and that letter was uploaded for dispute on all 3 credit bureaus. ( attached ). 

After it was updated ; the accounts showed paid in full and OPEN. But I waited until Bridgecrest updated the records. The accounts updated about 3 times from the end of the month until now. Each time my credit reports were updated ; it only worsened. Not only the report ; but the mortgage credit score. I noticed on XX/XX/XXXX that my credit score dropped 70-80 points ( mortgage ) and 25 points ( FICO ) because of this error. First, I called on XX/XX/XXXX customer service, I was told that this account was past due ( which is incorrect ) if that were true ; it should have been reported when the account was updated XX/XX/XXXX. I called Bridgecrest Customer Relations department to see what happened on XX/XX/XXXX. XXXX told me that the latest reporting was a mistake. They immediately tried to initiate a correction to the credit bureaus ; and a letter to me ; within a couple hours. However, my credit score did not rebound at all. I was thinking it was because 15 late payments ( from XXXX ) were added back to my credit report - which were previously removed. But after speak with MyFICO on XX/XX/XXXX, it takes time for the rebound ; but time is something I don't have. I called back to Bridgecrest and asked them about some sort of concession regarding THEIR mistake. The only concession I asked them to make was to remove the 15 late payments that were previously there ; then removed ; then added again. This could possibly help my score increase. This is completely unfair and unethical that I have to suffer because of some sort of reporting error. My scores are still a mess and all of the fluctuating in the middle of closing. I have reached out to an attorney for a meeting tomorrow afternoon for litigation if something is not rectified. I have already received proper instructions from customer relations how to have an attorney reach out to the Bridgecrest team. I could lose my mortgage because of this. I have worked REALLY hard to clean up the mess XXXX left me with. I am not disputing with the credit bureaus ; I am only disputing with Bridgecrest ; not XXXX or XXXX 

I have attached : XXXX Credit Reports ( fluctuation in reports and payment history ) for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX -Full MyFICO reports for XX/XX/XXXX and XXXX ( to show score droppage and my personal credit history which is EXCEPTIONAL -XXXX Updates - XX/XX/XXXX XXXX XXXX  -Correction Letter from XX/XX/XXXX ( Bridgecrest ) -Payoff Letter received from Bridgecrest - XX/XX/XXXX -Divorce Decree XXXX ( showing that I was not aware of the divorce prior to the loan ) This divorce was done by fraud.