Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation
State: OH

Complaint narrative:
Bridgecrest is inaccurately reporting payment history on my consumer credit report for an automobile loan, despite multiple certified disputes that specifically addressed incorrect payment reporting. Bridgecrest, as a data furnisher, has a legal obligation to ensure that all reported information is accurate, verifiable, and compliant with federal laws. However, Bridgecrest has failed to conduct an investigation or verify its reporting, leaving incomplete, misleading, and unverified payment data on my credit file. 
Bridgecrest Failed to Investigate Disputes in the Legally Required Timeframe Under 15 U.S.C. 1681s-2 ( b ), Bridgecrest is required to conduct a reasonable investigation when a consumer disputes information on their credit report. I have submitted multiple certified disputes regarding incorrect payment history, specifically citing the following disputed payments : Disputed Payment on XX/XX/year> Incorrectly marked as late, despite confirmation of on-time processing. 
Disputed XXXX on XX/XX/year> Reported as missed, though documentation shows a successful transaction. 
Disputed XXXX on XX/XX/year> Marked as delinquent, even though the payment was made on time per my records. 
Despite these clear errors, Bridgecrest has failed to provide verification or conduct any meaningful investigation into my disputes, making its continued reporting of this payment history a direct violation of the FCRA. 
Furthermore, under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), a data furnisher must respond within 30 days of receiving a dispute. Bridgecrest has exceeded this timeframe multiple times, making its continued reporting of the disputed payment history a clear violation of federal law. 
Modifying or Deleting Unverifiable Payment History Does NOT Violate Any Industry Standards Bridgecrest is obligated to ensure that its data is fully verifiable and accurate before continuing to furnish it. Updating or deleting unverifiable payment history does NOT violate : The Fair Credit Reporting Act ( FCRA ) The FCRA requires maximum accuracy, not the preservation of disputed or unverifiable data. 
XXXX XXXX XXXX XXXX ( XXXX ) XXXX Guidelines These guidelines regulate the reporting of credit information but do not mandate the retention of disputed or unverifiable information. 
Bridgecrests Data Furnisher Agreement with Credit Bureaus Data furnishers are contractually required to correct or remove inaccurate or unverifiable data. 
However, continuing to report unverifiable or inaccurate payment history directly violates the FCRA and places Bridgecrest at risk of regulatory and legal consequences. 
Bridgecrests Reporting Violates the Law of Equity Even if the payment history was previously accurate, its continued reporting without verification serves no legitimate purpose and creates financial harm. 
Failure to verify the accuracy of the reported payment history means it is legally unreliable and must be corrected. 
Inaccurate or unverifiable reporting harms my financial standing and creditworthiness, without justification. 
Allowing unverified data to persist on my credit file is fundamentally inequitable, particularly when it negatively impacts lending decisions. 
Bridgecrest has demonstrated a pattern of non-compliance by ignoring disputes and continuing to report unverifiable payment data. This failure to verify information leaves me with inaccurate, damaging credit reporting that must be corrected. 
I have finished litigation with XXXX and was informed by executives that XXXX does not have the capability to modify payment history, only the data furnisher who has a signed agreement with XXXX in relation to a closed account can.

Company response to consumer: Closed with explanation