Consumer complaint received 2025-04-18 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: TX

Complaint narrative:
I am submitting this complaint regarding the debt collection practices of Bridgecrest. Bridgecrest has violated my rights under both the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). These violations have caused me significant stress and damage to my financial standing. Violations : Failure to Validate Debt : Bridgecrest placed a debt collection account in my name, associated with account number XXXX, without validating the debt, as is required under 15 U.S.C. 1692g. I requested debt validation XX/XX/year>. Despite my requests, Bridgecrest has failed to provide verification of the debt or confirm its accuracy. Inaccurate Reporting to Credit Bureaus : Bridgecrest last reported this unverified debt to the three major credit reporting agencies as of XX/XX/year>. This reporting of inaccurate and unvalidated information violated 15 U.S.C. 1681s-2 ( a ) under the FCRA. As a result, my credit score has been negatively impacted by Bridgecrest failure to ensure the information was complete and accurate.According to the Federal Fair Debt Collection Practices Act, I have a right to have the alleged debt validated by you. 
I have to date, received no proof that I owe your company any debt and I am requesting that you forward to me full and proper documentation as evidence of this alleged debt. As per the FDCPA, it is a violation for any debt collector to pursue collection activity on an account without notifying the debtor in writing within 5 days after any communication. Additionally, I am allowed 30 days to dispute the validity of the debt. If you are unable to provide me with proper proof then you must stop attempting to collect this alleged debt. 
If you continue to claim I owe a debt that you can not confirm with proof then you will be in direct violation of the FDCPA. Additionally, any attempt on your part to report this alleged debt to my credit reports will be a violation of the Fair Credit Reporting Act. 
Please forward your documentation to me upon receipt of this certified letter. Please note that proper documentation is not a print out or bill from you but rather actual proof of the debt 's existence which should include : The name and address of the original creditor. 
A detailed account of the alleged debt, including the amount owed. 
Verification or a copy of any documents that demonstrate my agreement to pay this debt, specifically a contract bearing my signature.

Proof that your company is licensed to collect debts in my state. 
Proof that your company has been assigned the right to collect this debt on behalf of the original creditor, including an agreement that states that I would be liable to pay someone other than the original creditor. 
Regarding the last point, it is essential for you to demonstrate that you have the legal authority to collect this debt on behalf of the original creditor. I must be assured that I have given my explicit consent to allow your agency to pursue collections related to this debt. Without proper proof of assignment, your collection efforts XXXX be in violation of the I want to emphasize that until I receive the requested validation and documentation, I do not acknowledge any liability for this alleged debt. It is crucial for you to provide me with this information to avoid any further violations of the FDCPA. 
Please be advised that if you fail to provide the requested validation and proof of assignment within the prescribed time frame or if you can not substantiate the accuracy of this debt, I will not hesitate to take the necessary actions to protect my rights and interests. I will lodge complaints with the Consumer Financial Protection Bureau ( CFPB ) and any other appropriate regulatory agencies to address your non-compliance with the FDCPA and to seek a resolution in this matter. 
Furthermore, I want to make it clear that if this inaccurate and unverified debt is not promptly removed from my credit report.

Company response to consumer: Closed with explanation