Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bridgecrest Acceptance Corporation
State: CA

Complaint narrative:
CFPB COMPLAINT FRAUDULENT AUTO LOAN REPORTING & IDENTITY THEFT Complainant : XXXX XXXX XXXX XXXX Live XXXX XXXX, XXXX XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX Email : XXXX Company Complained About : Bridgecrest Auto Loan Account Number : XXXX Nature of Complaint : This complaint is being filed against Bridgecrest for willful and negligent violations of the Fair Credit Reporting Act ( FCRA ) and for continuing to report an auto loan account I never authorized or opened. This account is fraudulent and the result of identity theft, as fully documented by my FTC Identity Theft Report # XXXX, which was provided to Bridgecrest along with copies of my government-issued ID and Social Security card Despite being notified and furnished with all required identity theft documentation, Bridgecrest continues to report this auto loan account, thereby violating federal law and causing me ongoing harm.

FCRA Violations Cited : 1. Failure to Block Identity Theft Information 15 U.S.C. 1681c-2 ( FCRA 605B ) Creditors and furnishers must block and remove all fraudulent information within 4 business days of receiving proper identity theft documentation.

Bridgecrest received my full FTC Identity Theft Report, ID, and supporting documentation but has failed to comply.

2. Failure to Maintain Maximum Possible Accuracy 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Data furnishers must not report information to a consumer reporting agency if they know or have reasonable cause to believe the information is inaccurate.

Bridgecrest has actual notice of identity theft and continues to knowingly furnish false information.

3. Reckless or Willful Failure to Investigate 15 U.S.C. 1681s-2 ( b ) & 1681i You were required to conduct a proper reinvestigation upon notice from the credit bureau and consumer.

Bridgecrest failed to provide : The complete method of verification under 1681i ( a ) ( 7 ) Original signed contracts or loan documentation Full details of any investigation allegedly conducted 4. Lack of Maximum Possible Accuracy in Furnishing Data 15 U.S.C. 1681e ( b ) Credit furnishers and CRAs are mandated to ensure that all data reported is accurate and up-to-date, with maximum possible accuracy.

Failing to remove an account proven to be fraudulent violates this provision.

5. Failure to Provide Proof of Ownership, Chain of Assignment, and Securitization If the account has been securitized, assigned, or sold, you must provide : Forward flow agreement Chain of assignment Proof of current owner and originator Any securitization trust or third-party involvement Failure to provide this violates both FCRA accuracy requirements and consumer disclosure laws under 15 U.S.C. 1681g.

Demands : I am demanding that Bridgecrest take the following actions immediately : XXXX. PERMANENT DELETION of this account ( Acct # XXXX ) from all credit bureaus under FCRA 605B.

2. Full method of verification, including : Name, address, phone number of the party you allegedly verified this with Time, date, and means of the alleged verification process 3. Original signed contract or loan application with wet ink signature.

4. All investigation results, in full detail, with evidence and notes of the process.

5. Chain of assignment, securitization trust information, and proof of ownership and creditor.

6. Immediate compliance with FCRA 1681c-2 and 1681s-2 ( b ) to block and remove all fraudulent data.

Final Warning : Your failure to remove this account and comply with federal law will result in immediate escalation, including : A lawsuit filed under 15 U.S.C. 1681n and 1681o for statutory and actual damages Complaints filed with the FTC, State Attorney General, and Office of the Comptroller of the Currency ( OCC ) You are hereby given one final opportunity to permanently remove this fraudulent auto loan from all reporting systems and confirm deletion in writing.

Company response to consumer: Closed with explanation