Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bridgecrest Acceptance Corporation
State: DC

Complaint narrative:
I am submitting this complaint to formally dispute a Bridgecrest account that was opened and reported in my name as a result of identity theft. I do not own this account, I did not apply for it, and I never authorized its creation, financing, assignment, servicing, or reporting. Any balance, payment history, or activity associated with this account is fraudulent and the result of unauthorized use of my personal information. 

The Bridgecrest account in question was opened in or around XX/XX/year>XXXX  and reflects a balance of approximately {$12000.00}. I did not apply for an auto loan or any other financing that would result in an account with Bridgecrest during this time period. I did not sign a retail installment sales contract, loan agreement, promissory note, or any related documentation authorizing Bridgecrest to extend credit to me or to service such an account. I did not authorize any dealership, lender, broker, or third party to act on my behalf. 

I first became aware of this Bridgecrest account after reviewing my credit information and discovering unfamiliar and unauthorized accounts. The presence of a Bridgecrest account immediately raised serious concern, as it did not align with my financial history, vehicle ownership, or authorization. I have never knowingly had a legitimate business relationship with Bridgecrest for the account being reported. 

I did not purchase, lease, or finance a vehicle associated with this account. I did not take possession of a vehicle, make use of a vehicle, or benefit in any way from the proceeds of this alleged loan. I did not receive copies of loan documents, payment schedules, account disclosures, welcome packets, billing statements, or account communications at the time the account was allegedly opened. Any such documents or activity were generated by an unknown third party without my knowledge or consent. 

Upon discovering this unauthorized account, I took immediate steps to protect myself and document the fraud. I confirmed that I did not open or authorize this Bridgecrest account and that my identity had been compromised. As a result, I filed an official Identity Theft Report with the Federal Trade Commission ( FTC ), affirming under penalty of perjury that this account is not mine and was opened through identity theft. This FTC Identity Theft Report establishes my status as a victim of identity theft and invokes specific protections under federal law, including the Fair Credit Reporting Act ( FCRA ). 

Despite filing an FTC Identity Theft Report and disputing the account, the Bridgecrest account continues to be associated with my identity and credit profile. The continued reporting of this account is inaccurate, misleading, and harmful. The balance associated with this account is substantial, and its presence has the potential to significantly damage my creditworthiness, expose me to collection activity, and cause long-term financial harm for a debt that I never incurred. 

I did not authorize Bridgecrest to acquire, service, or report this account. If Bridgecrest acquired this account through assignment or transfer from another entity, that assignment was based on fraudulent information and does not create a valid obligation on my part. A fraudulent contract can not be made valid through assignment, resale, or servicing transfer. Any chain of title associated with this account is defective because the underlying obligation was created through identity theft. 

I did not sign any contractwet ink or electronicauthorizing this account. I did not complete any identity verification steps such as document upload, biometric verification, or electronic consent. I did not approve any credit pull, funding disbursement, or vehicle delivery. Any such steps reflected in Bridgecrests records were fraudulently completed by an unknown individual impersonating me.

Bridgecrest, as a servicer of consumer auto loans, has an obligation to ensure that accounts it services are valid and accurately attributed to the correct consumer. The continued association of this account with me after notice of identity theft raises serious concerns regarding compliance with federal consumer protection laws. Under the FCRA, furnishers and servicers are required to conduct reasonable investigations and to block information resulting from identity theft once proper documentation has been provided. 

To date, I have not been provided with any original documentation proving that I opened or authorized this account. I have not received a signed retail installment contract, loan application, electronic consent record, delivery confirmation, insurance documentation, or any other objective evidence linking me to this account. Without such documentation, there is no factual or legal basis for Bridgecrest to continue reporting or maintaining this account in my name. 

This fraudulent account has required me to spend a significant amount of time reviewing my credit reports, monitoring my financial information, filing identity theft reports, submitting disputes, and now filing this CFPB complaint. These actions are burdensome and stressful, particularly given that I did nothing to cause this situation. The burden of correcting fraud should not fall on the victim after an FTC Identity Theft Report has been filed. 

The nature of this account as an alleged auto loan is especially concerning. Auto loans are often associated with collateral, repossession activity, insurance claims, and collection actions. I should not be exposed to any of these risks for an account that was fraudulently created. I do not want my name, identity, or credit profile associated with a vehicle or loan that I never authorized and never benefited from. 

I am not refusing to pay a legitimate debt. I am asserting that no legitimate debt exists. I never entered into a contractual relationship with Bridgecrest or any originating creditor related to this account. I did not receive loan proceeds, a vehicle, or any benefit associated with this account. Any payments that may have been made were not made by me and do not constitute acknowledgment, ratification, or acceptance of the debt.

Under the Fair Credit Reporting Act, once a consumer submits a valid Identity Theft Report, furnishers and servicers must block and remove information resulting from identity theft. Continuing to report, service, or otherwise maintain this account after receiving notice of identity theft is inconsistent with those obligations and perpetuates harm. 

The continued presence of this account exposes me to ongoing risk, including future misreporting, internal risk scoring issues, potential collection or repossession activity, and adverse decisions by other lenders relying on inaccurate data. Identity theft issues often persist when companies fail to fully correct internal records even after external disputes are submitted. 

I am requesting that Bridgecrest acknowledge that this account was opened fraudulently and as a result of identity theft. I am requesting that Bridgecrest permanently cease servicing this account as it relates to me, fully remove it from my credit file, and completely disassociate my identity from it across all internal and external systems. 

I further request that Bridgecrest conduct a thorough internal investigation into how this account was assigned or serviced without proper verification of my identity. This investigation should include review of the originating creditor, dealership involvement ( if any ), application data, identity verification methods, and any third-party vendors involved. While I am not responsible for identifying the individual who committed the fraud, corrective action is necessary to prevent similar incidents affecting other consumers. 

I am also requesting written confirmation that : I have no financial, legal, or contractual responsibility for this account The account has been removed from all consumer reporting agencies The account will not be reinserted, reassigned, or serviced in my name No collection, repossession, or recovery activity will be pursued against me My identity has been fully disassociated from this account internally This experience has caused unnecessary stress, time loss, and anxiety. I have taken all appropriate steps required of an identity theft victim, including filing an FTC Identity Theft Report and disputing the account. I should not be required to continue defending myself against a fraudulent auto loan that was never mine. 

In summary, the Bridgecrest account opened in or around XX/XX/year>XXXX  with a reported balance of approximately {$12000.00} is fraudulent. I do not own this account. I did not authorize it. I did not benefit from it. I have filed an FTC Identity Theft Report documenting this fraud. I am requesting immediate and permanent corrective action to remove this account and ensure full compliance with applicable consumer protection laws.

Company response to consumer: Closed with explanation