Consumer complaint received 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation
State: NC

Complaint narrative:
I am submitting this formal complaint against Bridgecrest, XXXX XXXX XXXX XXXX for materially inaccurate and conflicting reporting of the same auto loan account. This is a direct violation of multiple sections of the Fair Credit Reporting Act ( FCRA ), XXXX XXXX  XXXX, and federal case law. 

The Issue : Bridgecrest has reported inconsistent and false payment history across all three bureaus for an auto loan account that was paid off and closed on XX/XX/XXXX. 
XXXX shows XXXX XXXX lates and XXXX XXXX lates, and wrongly labels the account as XXXX days late despite XXXX XXXX lates shown on the payment calendar. 
XXXX  shows only XXXX late payments during the same timeframe and reflects multiple on-time payments where XXXX shows delinquencies. 
XXXX, although not shown here, must be included in this investigation any and all late payments listed by XXXX  must also be removed due to the overwhelming proof that the data across bureaus is unreliable and inconsistent. 

All three are reporting different versions of reality for the exact same account this constitutes negligence, reckless disregard, and potential willful noncompliance with federal reporting obligations. 



Violations Committed : 1. FCRA 623 ( 15 U.S.C. 1681s-2 ) Furnishers are required to report accurate and consistent information. Bridgecrest failed to do so.

2. FCRA 611 ( 15 U.S.C. 1681i ) CRAs failed to conduct a reasonable reinvestigation when previously disputed.

3. FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) CRAs are obligated to maintain maximum accuracy. Contradictory reporting proves failure to meet this standard. 

XXXX XXXX XXXX  XXXX XXXX XXXX Unfair and Deceptive Practices Publishing harmful and false data affecting my creditworthiness is unlawful in XXXX XXXX and may trigger treble damages. 

XXXX XXXX XXXX  Identity Theft Protection Act ( XXXX XXXX XXXX. XXXX ) Failure to correct known errors or respond meaningfully after dispute is a breach of my consumer rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXeaffirms that credit bureaus must go beyond parroting data from furnishers. That did not occur. 



Requested Resolution : XXXX. Immediately delete ALL late payments related to this Bridgecrest account from XXXX XXXX XXXX XXXX 
XXXX. Provide the Method of Verification ( MOV ) under FCRA 611 ( a ) ( XXXX ) for each bureaus reinvestigation and explain how XXXX agencies came to XXXX different conclusions. 
XXXX. Correct the tradeline to reflect Paid/Closed Never Late or completely remove it if no reliable verification is possible. 
XXXX. Acknowledge that failure to comply will result in legal escalation and a complaint to the XXXX XXXX XXXX XXXX XXXX. 



Supporting Evidence : I am prepared to upload screenshots of : XXXX payment calendar showing XXXX XXXX and XXXX XXXX lates ( with no XXXX lates ), XXXX calendar showing only XXXX lates and several on-time months that XXXX  reports as late, XXXX pending records, which must be removed due to tainted data from Bridgecrest. 



This dispute is NOT about verifying with the creditor. This is a case of irrefutable internal conflict between the XXXX bureaus. That is YOUR burden to fix. I am demanding immediate correction, not excuses. 

Bridgecrest ( formerly XXXX XXXX XXXX has a documented pattern of credit reporting abuse. In XXXX, the Consumer Financial Protection Bureau ( CFPB ) fined DriveTime/Bridgecrest {$8.00} XXXX for harassing debt collection tactics and inaccurate credit reporting to XXXX XXXX XXXX XXXX. The enforcement order specifically addressed their failure to correct false data and mandated changes to their reporting practices. 

In XXXX XXXX. Bridgecrest XXXX XXXX, XXXX, XXXX. XXXX ( XXXX ), Bridgecrest was sued for violating the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate balances and failing to reasonably investigate disputes a nearly identical situation to mine. Though arbitration was compelled, the core allegations remain relevant and show Bridgecrests continued FCRA noncompliance. 

Other cases like XXXX v. Bridgecrest ( XXXX ) and XXXX v. Bridgecrest ( XXXX ) have included allegations of improper credit reporting, FDCPA violations, and unfair trade practices showing this is not an isolated issue, but part of a broader pattern of abuse. 

These cases, along with controlling federal law including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) make it clear that when data is inconsistent, unverifiable, or parroted back by e-OSCAR systems, it must be corrected or deleted. 

Given Bridgecrests known track record and the conflicting tradeline data across bureaus, the only legally acceptable outcome is : All late payments must be removed, or The tradeline must be permanently deleted under FCRA 611 ( a ) ( 5 ) ( A ) and 623 ( a ) ( 1 ) ( A ). 

Bridgecrest and the bureaus have legal exposure if they continue to report unverifiable derogatory marks that damage my creditworthiness. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation