Consumer complaint received 2025-11-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
Around XX/XX/XXXX or XXXX, I learned about a car being fraudulently purchased using my identity by a notification that I received by XXXX. A {$34000.00} car loan was placed on my credit report. 

XX/XX/XXXX, a dispute was submitted through XXXX. On XX/XX/XXXX, the dispute stated resolved but BRIDGECREST remained on my credit along with the vehicle. 

On XX/XX/XXXX, I emailed XXXX about the vehicle that was fraudulently purchased using my identity through them and BRIDGECREST. XXXX responded promptly and after providing my personal information, they revealed that the vehicle was a XXXX XXXX XXXX XXXX XXXX XXXX that was picked up on XX/XX/XXXX from the XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXXXXXX XXXX XXXX. 

On XXXX XXXX XXXX, I made a report to XXXX XXXX XXXX department ( XXXX XXXXXXXX XXXX ) about the XXXX XXXX XXXX that was taken out in my name fraudulently. 

Between XXXX and XXXX I contacted BRIDGECREST multiple times. I provided my name and social and they repeated that they could not provide me with any information as they did not have me on an account yet their loan company was on my credit and I received letters to my personal address by BRIDGECREST. Including a license plate. BRIDGECREST would state that I would need to contact my credit company. I even tried making an account on BRIDGECRESTs online website and it stated that an account was already made with my information. 

XX/XX/XXXX, first dispute was submitted directly through transunion. 

On XX/XX/XXXX, I attempted to contact bridge crest through XXXX. I explained my situation. Showing their account on my credit and that I have filed a police report. I received no response. 

After weeks of correspondence and disputes, on XX/XX/XXXX, XXXX notified me that the vehicle was placed for immediate repossession and they directly submitted it to XXXX 

XX/XX/XXXX results received. Dispute results received and the car was not going to be removed from my credit as there was no discrepancies found. I disputed these results. 

XX/XX/XXXXXXXX XXXX completed investigation. I am unable to access the full reports to these anymore. It was around this time that the car loan was removed from my credit. 

On XX/XX/XXXX, a new dispute was sent directly through XXXX which is when I realized that it had been added back onto my account. It stated resolved that same day with XXXXXXXX stating that the data furnisher ( s ) verified the information on your credit file. 

On XX/XX/XXXX, the account was removed from my debt but moved to in collections/charge-off by BRIDGECREST with a balance of {$34000.00}. 

On XX/XX/XXXX, I received a call from XXXX and text message stating that it was XXXX from XXXX on behalf of Bridgecrest attempting to contact me about a XXXX XXXX XXXX XXXX XXXX XXXX. I gave her a call back, she was looking for the vehicle. I relayed to her that that car was not under my possession and I had disputed this vehicle multiple times as it was a fraud. She stated that she would note that. I have not been contacted since. 

This has dropped my credit score over XXXX points bringing my credit score to XXXX on XXXX and XXXX on XXXX  It has been a process of months of disputes with no answers. I will also be filling a complaint with the State Attorney Generals Office as I no longer know what to do. XXXX has been responsive when I have contacted them. Thank you.

Company response to consumer: Closed with explanation