Consumer complaint received 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
Consumer Complaint : Bridgecrest Acceptance Corp Unauthorized Repossession, Failure to Provide Notice, Removal of credible payment history proofs from their website and my online account, and False Credit Reporting I am submitting this complaint regarding Bridgecrest Acceptance Corp. for improper repossession of my vehicle, failure to provide legally required notice of default or right-to-cure, and the furnishing of false and misleading credit information to XXXX  and other consumer reporting agencies in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ), and related consumer protection provisions. 

From the time I purchased the vehicle in XX/XX/XXXXXXXX  through XX/XX/XXXX, payments were made directly through the Bridgecrest online payment portal. Although I experienced temporary hardship in XXXX, I communicated directly with Bridgecrest and continued to make payments. In XX/XX/XXXX, I contacted Bridgecrest to notify them of temporary hardship and arranged to make the monthly installment in two parts. 

Bridgecrest accepted and processed these payments by the end of XXXX. 
Therefore, I was not in default leading into XX/XX/XXXX. However, in XX/XX/XXXX, I discovered that my vehicle had been removed without any notice of default or repossession. No letter, email, text message, or phone call was issued prior to the taking of the vehicle. 

After discovering the repossession, I attempted to log into my Bridgecrest portal only to see that my account data, including payment history, had been removed. This constitutes withholding of consumer payment records and may be viewed as spoliation of evidence.

Following the repossession, Bridgecrest reported to XXXX  and other bureaus that the vehicle was repossessed due to non-payment. This is false. Furnishing credit information that the furnisher knows or reasonably should know to be inaccurate violates FCRA 1681s-2 ( a ). 

Additionally, in XXXX, Bridgecrest failed to report nearly a full year of timely payments to the credit bureaus, which prevented me from refinancing the vehicle loan and from obtaining stable housing. Although Bridgecrest later mailed paper statements acknowledging the payments, they did not correct or update the credit reporting with the bureaus. This demonstrates a pattern of negligent and incomplete credit furnishing that caused documented financial harm. 

Requested Resolution : 1. Immediate correction and update of all credit bureau entries to accurately reflect payment history.

2. Removal of the repossession and all associated derogatory marks from my credit files.

3. Written acknowledgment that no required notice was provided prior to repossession.

4. Compensation for financial harm caused by wrongful repossession and false credit reporting. 

I respectfully request that the Consumer Financial Protection Bureau investigate Bridgecrests conduct and ensure compliance with federal and state consumer protection laws. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX GA XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation