Consumer complaint received 2026-05-18 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
To Whom It May Concern : I am sending this second notice regarding the account reporting under XXXX on my consumer credit report. I previously notified your company that this account was inaccurately reporting as a charge-off. Although the account status has now been changed to closed, the account continues to remain on my consumer report in a manner that I believe is inaccurate, misleading, and damaging. Under the Fair Credit Reporting Act ( FCRA ), all information reported to consumer reporting agencies must be complete and accurate pursuant to : 15 U.S.C. 1681s-2 ( a ) 15 U.S.C. 1681e ( b ) Additionally, pursuant to 15 U.S.C. 1681i, you are required to conduct a reasonable investigation of disputed information and correct or delete any information that can not be verified as accurate and complete. Because this account has already been modified after my initial dispute, this raises concerns regarding the accuracy and integrity of the reporting history associated with this account. Therefore, I am formally requesting : Complete verification of the account and reporting history ; Documentation supporting the current reporting status ; The original signed agreement or contract ; Proof of the alleged debt and accounting records ; Verification that all information being reported is fully accurate and compliant with the FCRA. If you can not provide competent documentation verifying the complete accuracy of this account, I request immediate deletion of this account from all consumer reporting agencies. Please be advised that failure to properly investigate and correct inaccurate reporting may constitute noncompliance with the Fair Credit Reporting Act. I am maintaining records of all correspondence and reserve the right to file complaints with the Consumer To Whom It May Concern : This letter serves as my second formal notice regarding the XXXX account currently being reported on my consumer credit report. After my initial dispute, the account status was changed from a charge-off to a closed account. However, the account itself continues to remain on my consumer report and continues to negatively impact my credit profile. Because the reporting status has already been altered after my dispute, this demonstrates that the original reporting was inaccurate and misleading. Under the Fair Credit Reporting Act, information furnished to consumer reporting agencies must be reported with maximum possible accuracy and fairness. Pursuant to : 15 U.S.C. 1681e ( b ) 15 U.S.C. 1681s-2 I am requesting the complete removal of this account from all consumer reporting agencies immediately. The continued reporting of an account that was previously reported inaccurately is damaging and does not comply with the FCRAs requirement for accurate and fair reporting. Since the account reporting has already been modified, I am requesting deletion rather than continued updates to the tradeline. If this matter is not resolved, I am prepared to file formal complaints with the Consumer Financial Protection Bureau, Federal Trade Commission, and my State Attorney General for continued inaccurate credit reporting. Please update all credit bureaus and provide written confirmation once this account has been deleted. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation