Consumer complaint received 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
Dear Sir/Madam, I am writing as an educated consumer to formally dispute inaccurate, inconsistent, and damaging information being reported by Bridgecrest Credit Company , LLC ( also listed as XXXX/Bridgecrest ) on my credit reports with all three of your agencies XXXX XXXX XXXX XXXX XXXX 
Upon reviewing my credit reports dated XX/XX/year>, I identified material discrepancies regarding this auto loan account across all three bureaus : XXXX  reports this account as Over 120 Days Past Due, with a balance of {$11000.00}, marked with codes for Voluntary Surrender and Auto Loan. 


XXXX lists it as Voluntary Surrender with a balance of {$11000.00} and terms indicating XXXX monthly payments but still reporting ongoing derogatory statuses well after the vehicle was surrendered. 


XXXX  reports it as Voluntarily Surrendered with {$11000.00} past due, but the payment history and balance reporting materially conflict with the other two bureaus. 


These inconsistencies violate my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Specifically : 15 U.S.C. 1681i ( a ) requires you to conduct a reasonable reinvestigation of any disputed information that is incomplete or inaccurate.

15 U.S.C. 1681e ( b ) obligates you to maintain maximum possible accuracy in consumer credit reports. 


Reporting materially inconsistent or incomplete information is a violation of these statutes and has directly impaired my ability to obtain credit, employment opportunities, and has contributed to significant financial hardship. 


Additionally, I contend that : The loan was voluntarily surrendered in accordance with the terms agreed to with the lender. 


The current reporting reflects an inflated past due balance, with no clear explanation of how it was derived. 


Inconsistent payment histories and status designations across the bureaus cause undue confusion and harm my creditworthiness. 


I demand the following under my rights per the FCRA : A full reinvestigation into this account with Bridgecrest. 


Immediate correction or removal of any inaccurate or inconsistent information. 


A full explanation of your findings and actions taken. 


Enclosed are copies of my government ID and proof of address for identity verification, as well as relevant pages from each of my credit reports highlighting the inconsistent reporting.

Failure to comply may result in me escalating this matter via complaints to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my state attorney general. I reserve all legal rights, including seeking damages under 15 U.S.C. 1681n and 1681o for willful or negligent noncompliance. 
Please complete your reinvestigation within the 30-day timeframe required by law and provide written results to me at the address above. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation