Consumer complaint received 2026-01-19 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
RE : Bridgecrest / XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX : XXXX Email : XXXX XX/XX/XXXX Bridgecrest / XXXX ACCOUNT : XXXX XXXX XXXX XXXX XXXX Re : Identity Theft Demand to Cease Collection and Reporting, Close Auto Account Account : XXXX / Bridgecrest Acct No. XXXX Balance XXXX XXXXXXXXTo Whom It May Concern : This letter is to notify you that I am a victim of identity theft and that the auto loan or lease account you are attempting to collect under Account Number XXXX is fraudulent and does not belong to me.I hold an FTC Identity Theft Report, FTC Report Number XXXX, and have filed reports with the XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX documenting this identity theft. My FTC Identity Theft Report lists this account as Fraudulent Auto Loan or Lease with the following details : Company : XXXX Bridgecrest, Account No. XXXX, date fraud began XX/XX/XXXX, discovered XX/XX/XXXX, total fraudulent amount $ XXXXUnder FCRA Section 605B ( 15 U.S.C. 1681c2 ), once you are informed that an account is the result of identity theft and provided with an Identity Theft Report, you must block and cease furnishing that information to any consumer reporting agency.Accordingly, I demand that Bridgecrest / XXXX : Immediately cease and desist all collection activities related to Account XXXX, including all calls, letters, repossession actions, and thirdparty collections.Immediately stop reporting this account to XXXX XXXX XXXX, or any other credit reporting agencies, and instruct them to delete the tradeline and any associated negative notations from my credit reports.Permanently close and delete this account from your internal records as a fraudulent identitytheft account with a XXXX balance owed by me.Provide written confirmation that this auto account has been closed as fraudulent, that all collection activity has ceased, and that all credit bureaus have been directed to remove the account in compliance with FCRA Section 605B.If you continue to attempt collection or reporting of this fraudulent debt after receipt of this notice and documentation, it will constitute a willful violation of my rights under the Fair Credit Reporting Act and other applicable laws. 

Pursuant to the Fair Credit Reporting Act, 15 U.S.C. 1681s2, and applicable state law, I dispute the accuracy and completeness of the information you are furnishing and hereby demand that you provide the following documentation : 1. A complete itemized accounting showing how the alleged {$9100.00} balance was calculated, including : Original amount financed, all payments received, dates and amounts of each payment ; Application of interest, late fees, insurance, addons, and any other charges ; Credits from the sale of the repossessed vehicle ; and Any other debits or credits applied to the account.

2. Copies of all legally required notices related to the repossession and sale of the vehicle, including but not limited to : Notice of default and right to cure ; Notice of intent to repossess ; Presale notice of disposition of collateral, including date, time, and manner of sale ; Postsale notice setting forth the sale price, costs of sale, and resulting deficiency or surplus. 

3. Documentation demonstrating that the sale of the vehicle was conducted in a commercially reasonable manner, as required under applicable state Uniform Commercial Code provisions, including : Auction or sale records ; Proof of advertising or other sale efforts ; The actual sale price and purchasers.

4. A copy of the original retail installment sales contract or finance agreement, bearing my signature, that allegedly authorizes the specific fees, costs, and methods of deficiency calculation you have applied.

5. A complete payment history from account opening through repossession and closure.

If you are unable or unwilling to provide full validation and documentation, then the deficiency balance you are reporting is inaccurate and unverifiable. Continuing to furnish such information to any consumer reporting agency violates 15 U.S.C. 1681s2 ( a ), and maintaining inaccurate or incomplete information on my reports violates 15 U.S.C. 1681e ( b ) and 1681i.

Future failure to substantiate your reporting may result in complaints to the Consumer Financial Protection Bureau, my state Attorney General, and potential civil action seeking all remedies available under federal and state law. 


Sincerely, XXXX XXXX FTC Identity Theft Report No. XXXX

Company response to consumer: Closed with explanation