Consumer complaint received 2025-07-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: Bridgecrest Acceptance Corporation
State: CA

Complaint narrative:
I am filing this complaint against Bridgecrest Acceptance Corporation because they are furnishing inaccurate and highly damaging information to all three major credit reporting agencies ( Experian, Equifax, and TransUnion ) regarding an auto loan account. 

Specifically, my credit reports dated XX/XX/XXXX, show a Bridgecrest / XXXX account ( Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX as an " involuntary Repossession. '' This is a direct factual falsehood. I explicitly informed Experian, and it is even noted on their report, that this account was 'NEVER LATE, ACCOUNT WAS PAID AS AGREED. ' The account reflects no payment activity since XX/XX/XXXX and lists an inflated and stale balance of {$8400.00}, with a reported payment schedule of $ XXXX, falsely indicating no current contractual activity. 

This repossession entry is fundamentally incorrect and severely impacts my creditworthiness. On an exact date in XX/XX/XXXX ( e.g., XX/XX/XXXX- please insert the precise date if you have it ), I sent a formal letter directly to Bridgecrest Acceptance Corporation, explicitly disputing this incorrect reporting. In that letter, I stated that my XXXX XXXX XXXX was voluntarily surrendered and requested that they immediately correct the status to reflect a voluntary repossession with all three credit bureaus. I also requested a copy of the repossession agreement confirming the voluntary nature of my surrender, as I was unable to locate my copy. 

Despite sending this direct communication to Bridgecrest in XX/XX/XXXX, and having actively disputed this inaccuracy with the credit bureaus ( for instance, my Experian report notes that the item was 'updated from our processing of your dispute in XX/XX/XXXX ' ), the false, involuntary repossession status remains unchanged on my credit reports. This indicates a profound failure on Bridgecrest 's part to conduct a reasonable investigation, respond to my direct request, and accurately report the account status to the credit bureaus. They are willfully disregarding the truth about this account. 

On XX/XX/XXXX, I filed a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding these ongoing credit reporting errors, including this Bridgecrest account. Despite that formal complaint and my direct communication to Bridgecrest, the inaccurate repossession status persists on my credit reports. 

I provided the credit reporting companies with supporting documents, including a detailed consolidated credit report discrepancy summary, to validate my claims. I specifically demanded the deletion of this account if Bridgecrest could not verify its accuracy with complete and accurate documentation. They have failed to do so, and the damaging misinformation continues to be reported. 

Due to Bridgecrest 's persistent failure to rectify this critical error, even after my direct disputes, my formal letter to them, and a prior CFPB complaint, I am also escalating this matter to the California Attorney General for remedy.

Company response to consumer: Closed with explanation