Consumer complaint received 2026-04-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: CA

Complaint narrative:
I am filing this complaint against Bridgecrest/XXXX for inaccurate, inconsistent, and unverifiable credit reporting in violation of the Fair Credit Reporting Act ( FCRA ). This account is being reported with multiple errors, including inaccurate late payments, conflicting account information, and an unverifiable remaining balance. Due to these issues, the tradeline is materially misleading and can not be considered reliable. 1. Inaccurate Late Payment Reporting The account reflects multiple 30-, 60-, and 90-day late payments, including recent severe delinquency. However, I made documented payments during the same time period, including payments in early 2025. Despite these payments, the account continues to report escalating delinquency without accurately reflecting how those payments were applied or how the account remained in a delinquent status after receipt of payment. Reporting late payments under these circumstances, without providing a clear and accurate accounting of how payments were applied or how delinquency was determined, is unsupported, misleading, and unverifiable. The company has not provided any documentation or accounting demonstrating how the reported late payments were calculated or how the account remained in a delinquent status after receiving payments. This violates : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) furnishing inaccurate information 15 U.S.C. 1681e ( b ) failure to ensure maximum possible accuracy 2. Conflicting and Materially Misleading Information This account contains internal contradictions, including : A drastic balance reduction from approximately {$26000.00} to around {$3000.00} A notation stating the debt is being paid through insurance Continued reporting of severe delinquency and past due status These elements can not logically coexist without proper adjustment to the account status. The combination of payments, insurance activity, and continued delinquency reporting creates a materially misleading tradeline that does not reflect the true condition of the account. 3. Unverifiable Deficiency Balance Based on the balance reduction and insurance involvement, it appears that the collateral may have been repossessed, surrendered, or otherwise disposed of. However, the company has failed to provide : Documentation of repossession or voluntary surrender Sale or disposition records of the vehicle Application of insurance proceeds A complete and accurate deficiency balance calculation Without this documentation, the remaining balance is unverifiable and can not be reported accurately. 4. Failure to Conduct a Reasonable Investigation I previously disputed this account, and it was marked as updated, yet the inaccuracies remain unchanged. This indicates that no reasonable investigation was conducted and that relevant information was not properly reviewed. This violates : 15 U.S.C. 1681s-2 ( b ) 5. XXXX XXXX Noncompliance The account reflects inconsistencies between account status, payment history, balance, and insurance activity. Under XXXX XXXX reporting standards, these data fields must be internally consistent. The current reporting fails to meet these standards and is therefore inaccurate and misleading. Requested Resolution DELETION ONLY Due to the inaccurate, conflicting, and unverifiable nature of this account, I am requesting : Immediate deletion of this tradeline from all credit reporting agencies This account can not be corrected without speculation, as the underlying data is inconsistent and unsupported by documentation. Notice of Liability Continued reporting of inaccurate or unverifiable information after notice may constitute willful or negligent noncompliance under : 15 U.S.C. 1681n 15 U.S.C. 1681o I am seeking complete removal of this account due to its failure to meet federal reporting standards.

Company response to consumer: Closed with explanation