Consumer complaint received 2024-04-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: Bridgecrest Acceptance Corporation
State: NY

Complaint narrative:
To whom it may concern : Account Name : BRIDGECREST CREDIT pursuant to 15 USC 1692g. 15 U.S. Code 1601, U.S. Code 1692c I REQUEST THAT YOU PROVIDE TO ME VERIFICATION OF THIS ALLEGED DEBT. VERIFICATION CONSISTS OF A FORMAL DECLARATION IN WHERE YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE AND MUST BE NOTARIZED. Since this debt is disputed pursuant to the Fair Debt Collection Practices Act, you are required to cease all collection of this alleged debt which includes reporting to my consumer report with XXXX, XXXX, AND XXXX. I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies. You are reporting this collection as an " open account '' which is not under FCRA compliance. This is inaccurate reporting and it needs to be removed immediately. Please send me a copy of my credit report when the above collection is deleted. XXXX XXXX XXXX Scam 1.5. Code $ 16816-2 a consumer reporting agency shall black the reporting of amy rmation in the file of a consumer that the consumer identifies as information that resulted 1 an alleged identity theft, not later than 4 business days after the date of receipt. is been 30 days and you are in VIOLATION of this law because I am a victim of identity I Please delete these Items IMMEDIATELY! le accounts should not be furnished on my consumer report as they are in VIOLATION!!! er, 15 US Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject absection ( c ) any consumer reporting agency may furnith a consumer report under the wing circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the merchant to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT Reporting anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer i am demanding the deletion of the accounts listed IMMEDIATELY! 15 U.S.C. 1692d 15 US Code 1681c These accounts should not be furnished on my consumer report i Under, 15 US Code 1681b. Delete this Item off my account immediately. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX, or XXXX ) this action may constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against and your client for the following : violation of the Fair Credit Reporting Act, violation of the Fair Debt Collection Practices Act, and Defamation of Character. ( per se ). If your offices can provide the proper documentation as requested in the following Declaration, I will require at least 30 calendar days to investigate this information, during which time all collection activity Shall Cease and Desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of information to a credit reporting repository that could be inaccurate, incorrectly reported and invalidated. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( Including XXXX, XXXX, and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports and shall be seeking legal counsel to assist in pursuing a Cease and desist against your agencies for false reporting. According to my records the information you are reporting on this account is inaccurate. I demand that you remove this information from my credit report immediately. By the provisions of the Fair Credit Reporting Act of 1970, 15 U.S.C. 1681 et seq., I demand that these items be reinvestigated and deleted from my credit record. Please send me the names and addresses of the companies that you contacted so I may follow up. Under the terms of the Section 168 li of the Act, you have 30 days from receipt of this letter to verify this disputed information. In the event you fail to verify this data, or fail to respond to this request altogether, the here should be no additional charges for this notification. disputed data must be deleted in its entirety. Also, pursuant to 15 U.S.C. Section 1681d of the Act please notify me when the inaccurate items have been deleted from all of my credit files. According to the provision of Section 1681j,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation