Consumer complaint received 2022-01-28 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
YOU ARE BREAKING THE LAW UNDER THE FDCPA! 
NOTICE TO AGENT IS NOTICE TO PRINCIPAL. NOTICE TO PRINCIPAL IS NOTICE TO AGENT. 

To Whom It May Concern : I recently received a copy of my credit report, and I noticed an account on my consumer report that should not be on there. I demand the account be deleted from my consumer report. 
XXXX XXXX Bridgecrest Credit Company , LLC The reporting of this account is violation of 15 USC 1692e, The Fair Credit Reporting Act A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 16 ) The false representation or implication that a debt collector operates or is employed by a consumer reporting agency as defined by section 1681a ( f ) of this title. 

Under federal law ( FDCPA ) the reporting of inaccurate and incorrect account to my consumer report is implicating that a debt collector which is Bridgecrest operates by a consumer reporting agency which is ILLEGAL UNDER FEDERAL LAW ( FDCPA ). YOU ARE IN CLEAR VIOLATION OF THE FEDERAL LAW ( FDCPA ) AND LEGAL ACTION WILL OCCUR IF THE ACCOUNT IS NOT DELETED FROM MY CONSUMER REPORT IMMEDIATELY. 

The reporting of this account is violation of 15 USC 1692J ( Furnishing certain deceptive forms ), The Fair Credit Reporting Act ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. 
( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter. 

Bridgecrest is furnishing an inaccurate and incorrect account on my consumer reports according to the statue above. Bridgecrest is in violation of furnishing false information to a consumer report, Bridgecrest is subject to : 15 U.S. Code 1692k - Civil liability Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ( 1 ) in any individual action under subsection ( a ) ( 2 ) ( A ), the frequency and persistence of noncompliance by the debt collector, the nature of such noncompliance, and the extent to which such noncompliance was intentional ; Bridgecrest is intentionally violating federal law due to falsifying information on my consumer report that by law that should not be there and is non-compliant. I will sue for actual damages if the account is not immediately removed from my consumer report. 

Best Regards, XXXX XXXX

Company response to consumer: Closed with explanation