Consumer complaint received 2025-01-10 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bridgecrest Acceptance Corporation
State: NY

Complaint narrative:
XX/XX/year> RE : Bridge Credit XX/XX/XXXXSubject : Request for Full Removal of Repossession and Associated Account from Credit Report Dear CFPB I am writing to formally request the full removal of the repossession account associated with Bridge Credit XXXX Permanently from my credit report. This account is inaccurately and fraudulently reported, as I was not provided with the legally required notices or rights to redeem under UCC Article 9. Additionally, Bridge Credit XXXX has failed to provide the following required documents and actions, rendering this repossession and the associated balance invalid : 1. Legal notification or notice of repossession as required by UCC Article 9.

2. Confirmation of the resale via T99T, 1099-T Cancellation of Debt, or 1099C forms.

Under 15 U.S. Code 1692f, prohibiting unfair practices, and 15 U.S. Code 1602, which governs credit compliance and disclosures, I am entitled to clarity and transparency regarding the repossession process and associated debts. Bridge Credit XXXX has failed to meet these legal obligations. 

Documents Requested : To confirm the legitimacy of this account and alleged repossession, I request the following immediately : 1. The complete original alleged signature from the contract or promissory note.

2. The accounts full transaction history.

3. Any required default or acceleration notice.

4. The notice of sale document, including proof of mailing and receipt.

5. The calculation of surplus or deficiency letter following the sale.

6. Any additional finance contracts, including those related to insurance or finance products.

7. The buyers guide.

8. The purchase order for the vehicle.

9. Any and all licenses, bonds, or registration documents required by state law allowing Bridge Credit XXXX to hold or service this promissory note. 

Since you failed to provide proof of the legally required notifications or notices, you are legally obligated to zero out the balance on this account and permanently remove it from my credit report and credit profile. Failure to comply will result in my escalating this matter to regulatory authorities, including the Consumer Financial Protection Bureau ( CFPB ), and pursuing legal remedies. 

Demand for Resolution : I demand the following actions : 1. Immediate removal of this repossession account and associated balance from my credit profile.

2. Written confirmation of the removal and account closure.

3. Proof of compliance with all legal requirements related to this matter, or an acknowledgment that you can not provide such proof. 

I am writing to formally dispute inaccurate and fraudulent reporting on my consumer credit report and to request the permanent removal of any associated late fees. These actions are in violation of my rights as a consumer under the following federal laws : 1. 15 U.S. Code 1666b Timing of Payments : Payments are required to be credited on the date of receipt unless otherwise stated. I have reviewed my records, and there is no evidence that my payment ( s ) were appropriately handled in compliance with this law.

2. 15 U.S. Code 1637b : This section specifies guidelines for accurate disclosures and handling of payments and charges. The improper application of late fees and the inaccurate reporting violate the terms outlined under this statute.

3. 15 U.S. Code 1681a ( 2 ) ( I ) : As defined in this section, there is a requirement to ensure that consumer reporting agencies maintain accurate records. The inclusion of fraudulent or inaccurate information directly contravenes these obligations.

4. 15 U.S. Code 6802 : This section emphasizes the protection of consumer privacy and the limitation on sharing nonpublic personal information without proper authorization. The inaccurate reporting appears to have been mishandled in a manner that breaches these protections.

5. 15 U.S. Code 1681a : The Fair Credit Reporting Act mandates that consumer reporting agencies ensure the maximum possible accuracy of the information included in consumer reports. Failure to correct and remove inaccurate or fraudulent items violates this statutory requirement. They are Illegally reporting falsified inaccurate information to the credit Bureaus.

Failure to resolve this matter within 14 days will compel me to take further action. Please treat this letter as a formal notice of dispute regarding the inaccurate and unlawful reporting on my credit report. 

Thank you for your immediate attention to this matter. I look forward to your prompt resolution and confirmation of these actions. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation