Consumer complaint received 2025-09-03 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: WA

Complaint narrative:
XX/XX/XXXX, I submit a complaint with CFPB after discovering Bridgecrest report to the credit bureaus " profit and loss write off '' to an account in my name, the status was " closed. '' I discovered this after awaiting repossession of my vehicle, on behalf of the legal entity named on the Retail Purchase Agreement I entered with, XXXX. XXXX is the sole and only entity listed OR legal party named on the Retail Purchase Agreement. 

To protect myself and my financial responsibility held to XXXX, I was awaiting repossession to be initiated by XXXX, in order for the gap insurance coverage to take effect and relieve myself of the financial burden. XX/XX/XXXX payments were made on time! Due to a new and unexpected medical condition/disability, after being hospitalized in XX/XX/XXXX, I am still looking for the tools that I need in order to function and live a normal life. I did everything I could after receiving my diagnosis to be normal. With a reasonable accommodation in place, I was able to keep my job for 6 months after returning to work but when I was fired as a result of my XXXX interfering with my ability to fulfill my roles responsibilities, I had to accept the diagnosis and conditions as XXXX. I am only XXXX XXXX XXXX. I was responsible until I was forced to fail. I requested an auto loan forbearance in XXXX for 6 months to have reliable transportation to my procedures and doctor appointments, until I was capable of working again. I included confidential financial and health information/reports, letters from my providers as proof of the hardships and sudden life altering circumstances, I provided proof in the form of documents from Social Security XXXX XXXX when they began processing the claim which is still in process. I understand I am not legally entitled to forbearance, no one answered my request or acknowledged I even sent it. Aware of having gap insurance, and with the intention behind the purchase of the gap insurance separate from the loan and agreement entered with XXXX, I intended to file the claim in order to seek financial relief upon repossession, my intention behind purchasing gap insurance in case of an emergency or financial hardship, protecting myself and the lender. 

Regarding the complaint I made prior, Bridgecrest attempted to contact me by phone, at XXXX on XX/XX/XXXX. I ensured to follow up by email after seeing their reply to CFPB. My initial complaint was closed by CFPB, upon Bridgecrest 's response. Bridgecrest sent me a ledger with transaction history, it does not contain a name or an account number or any other information that would provide who the account belongs to or who made the transactions XXXX is it what I request. 

Legally, Bridgecrest has failed to provide me with the documentation required by law, this leads me to believe that they can not provide me with what I am requesting and needs to remove my information. 

I am making another formal request that Bridgecrest provide me the legal documentation supporting Bridgecrest is the owner of my account and/or is authorized and/or was assigned by XXXX to collect on my account. The documents can be mailed to : XXXX XXXX XXXX of : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX WA XXXX In addition, Bridgecrest illegally canceled my gap insurance policy. Bridgecrest was not authorized, is not named in my contract, gap insurance addendum, or on the retail purchase agreement. On my credit report, when Bridgecrest closed my account it shows a payment made, Bridgecrest applied the refund after initiating and canceling my gap coverage, and posted the refund to the closed account. 

As Bridgecrest attempts to conceal their wrongdoings and corruption, without being named or assigned to my account or on my contract it is illegal for Bridgecrest to cancel my gap insurance policy, I purchased the policy, separate to protect myself and loan with XXXX. After cancelling, Bridgecrest applied the funds to the account they had already reported as closed. I was notified by credit karma that Bridgecrest just changed the account closed date to XX/XX/XXXX approximately three months after Bridgecrest initially marked the account closed. 

Bridgecrest and their questionable actions and lack of actions only cause me additional stress and anxiety. 

I do not accept Bridgecrest response or the information they provided me. It's not sufficient!

Company response to consumer: Closed with explanation