Consumer complaint received 2026-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation
State: CA

Complaint narrative:
I dispute the accuracy of the following tradelines and request immediate reinvestigation under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). If any furnisher can not verify with complete documentation, delete the item from my consumer file. 1 ) XXXX XXXX account ending XXXX - Reported late payments : XXXX XXXX ; XXXX XXXX. - Dispute : These late payments are incorrect. Verify full payment history, dates, and status. Delete if unverifiable. 2 ) XXXX XXXX account ending XXXX - Reported late payments : XXXX XXXX ; XX/XX/XXXX. - Dispute : These late payments are incorrect. Verify full payment history, dates, and status. Delete if unverifiable. 3 ) Bridgecrest account ending XXXX - Reported : current balance {$14000.00} ; original balance {$26000.00} ; last payment date XX/XX/XXXX ; repossession/derogatory status. - Dispute : Last payment date is incorrect ( XX/XX/XXXX is inaccurate ), repossession status is incorrect, DOFD/balance/dates are inaccurate. Bridgecrest has a history of litigation for wrongful repossession, defective notices, unfair deficiency balances, and moving repossessed vehicles outofstate to evade redemption rights ( e.g., XXXX XXXX Bridgecrest, XXXX XXXX XXXXXXXX XXXX XXXXXXXX ; XXXX XXXX Bridgecrest XXXX ; other public cases alleging UCC/personal property violations, breach of peace, and improper repo practices ). Verify with complete documentation : signed contract, full payment history, DOFD, repossession paperwork ( sale title, auction records, notice of sale ), and proof of proper redemption process. If Bridgecrest can not produce this or if reporting is inconsistent with their documented legal violations, delete the tradeline immediately. Attach my statement : " Bridgecrest reporting inaccurate dates/status ; furnisher has history of wrongful repo lawsuits. '' 4 ) XXXX ( unknown/unauthorized ) account ending XXXX - Reported : opened XX/XX/XXXX ; charged off ; balance ~ {$290.00}. - Dispute : I did not open/authorize this account ( possible identity theft ). Verify with signed application/contract. Delete immediately if unverifiable under FCRA identitytheft rules ( 15 U.S.C. 1681c2 ). Legal bases for deletion - FCRA 1681i ( reinvesigation ) : Bureaus must delete unverified items ; furnishers must provide proof. - FCRA 1681s2 : Furnishers liable for inaccurate reporting. - Bridgecrestspecific : Public litigation shows pattern of wrongful repo, defective notices, unfair practices ( e.g., moving vehicles to Nevada to block redemption ; improper deficiency balances ; XXXX v. Bridgecrest XXXX ; class actions for usurious rates/paytopay fees ). Inaccurate reporting ( wrong last payment date ) is unverifiable and must be deleted. - XXXX reporting limit : Verify DOFD ; delete if exceeded. - Hardship statement : Record that I was on public assistance/low income at time of Bridgecrest events ; consider for any bureau hardship procedures ( not statutory deletion ground but attach to file ). Required actions - Delete all unverifiable/inaccurate items ( especially Bridgecrest due to wrong dates and furnisher history ). - Provide written reinvestigation results with copies of any verification docs relied on. - Attach my consumer statement to disputed tradelines. - If not corrected, I will file CFPB/FTC complaints and pursue FCRA/FDCPA remedies .

Company response to consumer: Closed with explanation