Consumer complaint received 2024-07-16 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: NC

Complaint narrative:
I, XXXX XXXX, recently disputed this account with the credit reporting bureaus, and the information was reported as verified and accurate. I'm sure we both understand that most disputes are often conducted using software, such as XXXX and that mistakes can be made during that process, and that the software can have limitations when it comes to completing a proper investigation of records. I am disputing the following information : BRIDGECREST CREDIT C Balance {$13000.00} XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX ( XXXX ) XXXX directly with you, the furnisher of information. I am requesting that you conduct an investigation as outlined in the FCRA Section 623 enforceable by FACTA 312 which affords me the right to request that you as the information furnisher conduct a reasonable investigation of the information being reported to the credit bureau. If you're unable to perform a reasonable investigation, or you're unable to locate the necessary documents to investigate my dispute then you are required by the FCRA to remove the negative information from my credit reports, which can also include complete removal of the account. Furthermore, per FCRA Mandates, it is required that this misinformation be forevermore blocked from re-reporting attempts, now or in the future by your company and/or any entity. If you were able to conduct a proper investigation of the records for this account, and have identified the information reporting as being fully accurate and complete then please send me an explanation of the methods used, and a description of the records reviewed, when you conducted your investigation ; including, but not limited to, sending a copy of that information to me so I can conduct my own investigation into the accuracy of your records and verify that a reasonable investigation was completed. To confirm the investigation is done properly please provide me with the following information listed below : XXXX. A copy of the original contract or original purchase agreement that created the alleged debt. If the original contract is sent, it must include signatures from all parties. Any agreement sent must be with the original creditor and must include the original terms and conditions of the agreement that created the alleged debt, including all addendums and riders. XXXX. In addition, please send proof of the chain of ownership of the alleged debt and include proof of assignment for each change of ownership. Proof of chain of ownership must be from the original creditor to the current alleged owner without a break in the chain. XXXX. Also include a full accounting history from the original creditor including the date and amount of each payment and the Date of First Delinquency leading to the collection status. XXXX. If any interest or fees have accrued or been added to the balance, please send proof that such fees are lawfully agreed upon in the original purchase agreement. XXXX. Proof that you are legally allowed to collect on alleged debts in the state of North Carolina, including your third-Party Debt Collection Bond. 6. Also send proof that you sent the legally required notices to me before reporting this alleged debt to any consumer reporting agencies, including copies of the original notice and any letters tracking your firm maintains FTC XXXX XXXX, Recovery makes it clear that debt parking without proper notice is a violation of consumer rights. XXXX. Also, will you send me a copy of the 1099c that was issued for the charge off of this account. 

Thank You, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation