Consumer complaint received 2026-04-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
I am submitting this complaint regarding Bridgecrest Credit Companys improper handling of a disputed account related to a defective vehicle, as well as their continued harmful credit reporting and collection efforts. On XX/XX/XXXX, I purchased and financed a XXXX XXXX XXXX XXXX. Within five ( 5 ) days of purchase, the engine motor locked up, rendering the vehicle inoperable. Since that time, the vehicle has undergone multiple repair attempts through facilities recommended by the warranty provider, yet it remains unsafe and not drivable. Diagnostic records confirm serious internal engine defects, including : Combustion test positive for head gasket failure Possible cracked cylinder head or engine block Ongoing overheating and engine malfunction These conditions demonstrate that the vehicle was defective at or near the time of sale. I made multiple good faith efforts to resolve this matter. I sent a certified dispute letter to Bridgecrest, which was delivered on XX/XX/XXXX. This letter placed Bridgecrest on formal notice of : The defective condition of the vehicle My financial hardship caused by the inability to use the vehicle My request for resolution and vehicle pickup Despite having actual notice of this dispute, Bridgecrest has failed to resolve the matter. Instead, Bridgecrest has : Continued demanding over {$1300.00} in alleged missed payments Failed to arrange for pickup of the defective vehicle despite my request Reported a delinquency to my credit on or about XX/XX/XXXX, causing a drop of over XXXX points in my credit score This reporting is improper because : The account is actively disputed Bridgecrest had confirmed receipt of my dispute notice prior to reporting The alleged delinquency is directly tied to a defective and unusable vehicle I have made reasonable, documented efforts to resolve this matter Bridgecrests actions appear to violate the Fair Credit Reporting Act, including : Reporting information that is inaccurate or misleading Failing to properly report that the account is disputed Additionally, their continued demand for payment on a vehicle that is not operable, while refusing to take possession of the vehicle, places an unreasonable and unfair financial burden on me. At this time, I am requesting that the Consumer Financial Protection Bureau : Require immediate removal of the negative reporting from my credit file Ensure the account is properly marked as disputed Require Bridgecrest to cease all collection activity related to this matter Require Bridgecrest to arrange for pickup of the defective vehicle Require Bridgecrest to waive the alleged balance associated with this defective vehicle I have documentation supporting my claims, including repair invoices confirming internal engine failure and certified mail records showing that Bridgecrest received my dispute. I am requesting immediate assistance to prevent further damage to my credit and financial standing.

Company response to consumer: Closed with explanation