Consumer complaint received 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bridgecrest Acceptance Corporation
State: MO

Complaint narrative:
I am filing a complaint against Bridgecrest Credit Company for reporting an inaccurate and unverifiable auto loan account ( Acct # XXXX ) on my credit file. 

I have repeatedly requested verification, including a signed contract, full payment history, repossession records, and proof of joint liability. Bridgecrest has failed to provide any documentation proving that this debt belongs to me. Despite this, the account continues to appear on my Equifax credit report as a repossession with a fixed balance of {$9300.00}. 

This reporting is unlawful for the following reasons : FCRA 607 ( b ) : Furnisher must ensure maximum possible accuracy. Reporting unverifiable information, labeling the account as JOINT without proof, and omitting a Date of Last Activity violates this section. 

FCRA 609 ( a ) ( 1 ) : Consumer has the right to receive documentation of the account. No documents have been provided.

FCRA 611 ( a ) : When disputed, a full reinvestigation is required. Bridgecrest verified without evidence.

FCRA 623 ( a ) ( 1 ) ( A ) : Furnisher may not report information they know or should know is inaccurate or incomplete.

FDCPA 807 / 15 U.S.C. 1692e ( 8 ) : If collecting a post-default deficiency, they are required to mark it as disputed and not misrepresent the account. 

Common Law Defamation : Knowingly publishing false and harmful information on a consumer credit file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX SSN : XXXX DOB : XX/XX/year> To : Bridgecrest Credit Company XXXX XXXX XXXX XXXX XXXX 
XXXXXXXX XXXX XXXXXXXX CC : XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXXXXXX Subject : Immediate Deletion of Account # XXXX Legal Violations and Pending Action To Whom It May Concern, This letter is a final demand for the immediate and permanent deletion of the above-referenced account from my credit reports. I have repeatedly requested proof that this debt belongs to me, and you have failed to provide any documentation tying me to this account. Instead, you continue to furnish inaccurate, incomplete, and damaging information in violation of federal law. 

Violations of Federal Law FCRA 607 ( b ) Maximum Possible Accuracy Reporting this account as repossession with a fixed balance, while failing to provide documentation that I am responsible for it, is inaccurate and misleading.

The account is reported as JOINT, yet you have provided no proof of a co-borrower.

The Date of Last Activity is missing, yet derogatory updates continue.

FCRA 609 ( a ) ( 1 ) Right to Documentation You have failed to provide original signed loan documents, payment history, repossession notices, or any evidence that this account belongs to me.

FCRA 611 ( a ) Right to Reinvestigation When disputed through Equifax, your response failed to provide verification. Simply marking the account as verified without producing supporting documentation is unlawful.

FCRA 623 ( a ) ( 1 ) ( A ) Duty of Furnishers to Report Accurately By continuing to furnish unverifiable and incomplete data, you are violating your legal duty to ensure accuracy.

FCRA 616 & 617 Civil Liability Willful and negligent noncompliance subjects you to statutory damages, actual damages, attorneys fees, and punitive damages.

FDCPA 807 / 15 U.S.C. 1692e ( 8 ) False or Misleading Collection Practices If this account is being collected post-default, failing to mark it as disputed and misrepresenting its status is unlawful.

Common Law Credit Defamation Knowingly reporting damaging, unverifiable, and false information constitutes defamation under established case law ( XXXX XXXX TransUnion ; XXXX XXXX XXXX, XXXX ).

Company response to consumer: Closed with explanation