Consumer complaint received 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
In congruity to the provisions of the Fair Credit Reporting Act Section 611 ( a ) [ 15 USC 1681i ( a ) ], the reporter of any dubiously reported items must be reinvestigated or deleted from my credit record within 30 days. 

Being true that the Federal Reporting law ( s ) requires that you must investigate within 30 days of receiving my written notice and respond within 5 days of completing your investigation. I have to date zero confidence nor evidence suggesting that you have indeed followed the stipulations of the law, much less the established reporting industrys strict outlined for fair and compliant procedures, practices, and processes for lawful reporting. 

Delete now these following indicated derogatory allegations versus me : REMOVE FROM REPORTING NOW ANY OF THE INJURIOUS ASPECTS OF ALLEGATIONS for any item BELOW NOTED : # XXXX BRIDGECREST XXXX XXXX  XXXXXXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- > Per federal guidelines and applicable state mandates, no entity can report injurious information if diverged from ethicalness, truth, fairness, accuracy, adequate completeness, necessary timeliness, verifiability, validity, and or certifiable compliance of reporting mandates elsewise. 

As of most recent review of your report of my credit profile, I have considerable concern related to the displayed Historical Payment Profile asserted to include conspicuous yet seemingly defiantly reported in deviation from expected industry standards and potentially in dire disregard or regulatory reporting requisites with accordance to the published terms of at least one or more of the mandatorily obeyed Fair Credit Reporting Act, the Fair Credit Billing Act of 1975, The Equal Credit Opportunity Act, and or applicable state mandates, let alone in apparent diversion from the required used XXXX XXXX Format Reporting Procedures! 

With deviations from the standards of adequate reporting much less lawful reporting practices, how can it be assumed that you are not reporting mistaken and or elsewise deficient credit data injuriously and unfairly versus me. 

During the investigation period, the alleging reporter and or the receiving repository of any such concernable and or those of lesser integrity in reporting MUST ACT TO ENSURE THAT ANY EACH AND ALL not adequately reported items are in fact timely removed from my credit report as the mere reporting of items prior to supposed debt validation constitutes collection activity, alternatively, the same entity ( ies ) might elect to modify their reporting in adherence to law and with accordance to specific mandates of established reporting standards that more assures all assertions made are made to a degree of maximum possible accuracy and completion. 

Further, I am also requesting any and all of the names, any all and each of the addresses, and any all and each of the telephone numbers of individuals you contacted during your investigation. 

Per federal guidelines and applicable state mandates, no entity can report injurious information if diverged from ethicalness, truth, fairness, accuracy, adequate completeness, necessary timeliness, verifiability, validity, and or certifiable compliance of reporting mandates elsewise. 

As of most recent review of your report of my credit profile, I have considerable concern related to the displayed Historical Payment Profile asserted to include conspicuous yet seemingly defiantly reported in deviation from expected industry standards and potentially in dire disdain of regulatory reporting requisites with accordance to the published terms of at least one or more of the mandatorily obeyed Fair Credit Reporting Act, the Fair Credit Billing Act of 1975, The Equal Credit Opportunity Act, and or applicable state mandates, let alone in apparent diversion from the required used XXXX XXXX Format Reporting Procedures! 

With aberration ( s ) from the standards of ( adequate ) reporting much less thorough reporting practices, how can it be assumed that you are not reporting mistaken and or elsewise deficient credit data injuriously and unfairly versus me. 

In respect even to the considerations outlined in FCRA-tort law  illustrations : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, I respectfully request even demand rightfully that you make significant and necessary efforts to either eradicate the ailing information or elsewise modify appropriately to a degree the information is in fact provable, fairly reported, truly reported, correctly reported, completely reported, timely reported, reported in a physically verifiable manner fully vetted as valid and otherwise certifiably compliant as reported when reported. 

Additionally, I require that you surrender each any and all demonstrable document evidence of the derogatory-conditioned late payments accused versus me. My request is stronger, obviously, by the FCRAs 15 U.S.C. 1681.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation