Consumer complaint received 2025-12-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Bridgecrest Acceptance Corporation
State: CA

Complaint narrative:
REBUTTAL TO BRIDGECREST RESPONSE XX/XX/XXXX Re : CFPB Complaint # XXXX Consumer : XXXX XXXX To Whom It May Concern : I am submitting this rebuttal in response to XXXX statement dated XX/XX/XXXX. Their response contains omissions, factual inaccuracies, and does not adequately address the key issues raised in my complaint, including the accuracy of their reporting, their investigation procedures, and their compliance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

1. Bridgecrest did not conduct a reasonable investigation of my disputes. 

Bridgecrest claims it investigated each dispute, yet no documentation was provided to show what was actually reviewed. There is no evidence of : What account records were examined Whether the original Retail Installment Contract was reviewed Whether payment history and system notes were evaluated What internal or external verification was performed Under 15 U.S.C. 1681s-2 ( b ), a furnisher must conduct a reasonable investigation upon receiving a dispute. Re-verifying the same status without producing supporting documentation does not meet this legal standard.

2. The reporting dates, delinquency status, and charge-off timeline are inconsistent and unverified. 

Bridgecrest states the account was charged off on XX/XX/XXXX, at 128 days past due : Auto loans are not typically charged off at 128 days ; industry and XXXX XXXX standards generally require 180 days/6 months delinquency. 

Bridgecrest provided no charge-off calculation, no deficiency balance details, and no accounting records to justify this reporting. 

Without substantiated dates and accounting documentation, the reporting can not be deemed accurate. 

XXXX. Collateral abandonment contradicts their ongoing reporting. 

Bridgecrest admits : On XX/XX/XXXX, the vehicle was located at an impound facility They elected not to secure their collateral This raises major issues : A. How can Bridgecrest continue reporting the loan as an active charge-off without documenting the disposition of collateral? 

If the creditor abandons the collateral, they must document the loss, update the accounting, and accurately reflect this in credit reporting. 

B. No supporting documentation was provided regarding : Whether the vehicle was sold, salvaged, or forfeited Whether insurance proceeds were applied Any updated deficiency balance How this decision affects the tradeline Reporting incomplete or selective information violates FCRA accuracy requirements.

4. Bridgecrest repeatedly failed to validate the tradeline. 

From XX/XX/XXXX to XX/XX/XXXX, I filed multiple direct and indirect disputes. Each time, Bridgecrest returned the same automated response without producing : The original signed contract Full payment history Charge-off ledger Notices of delinquency Impound decision records XXXX XXXX XXXX codes used Without producing this documentation, Bridgecrest can not reasonably assert that the tradeline has been accurately reported. 

5. Bridgecrests statement that they could not contact me is false.

Bridgecrests assertion that they attempted to contact me but were unsuccessful is contradicted by documented evidence.

I have repeatedly contacted Bridgecrest regarding this account and submitted extensive documentation, including : The police report showing the vehicle was stolen Backup documentation regarding the theft Notice to Bridgecrest that the vehicle was in an impound facility Multiple disputes through the CRAs Direct communications to Bridgecrest seeking resolution In fact, Bridgecrest previously sent written correspondence requesting additional information from me so they could respond to my inquiry, which proves they were receiving my communications and acknowledging them. This directly contradicts their claim that they could not reach me. 

Additionally, if I were not attempting to resolve the matter, I would not have filed multiple disputes and provided repeated documentation over an extended period. The record clearly shows that I have been proactive and cooperative, and Bridgecrests statement is inaccurate and misleading. 

XXXX. Bridgecrests refusal to correct unverifiable information violates the FCRA.

Bridgecrest states they can not alter accurate reporting, yet : They have not substantiated the charge-off date They have not proven the delinquency calculation They have not provided the deficiency balance breakdown They have not provided the notices allegedly sent They have not documented a reasonable investigation Under 15 U.S.C. 1681s-2 ( b ), if a furnisher can not verify disputed information with competent evidence, they are required to modify, delete, or block the inaccurate informationnot simply restate it.

7. Requested CFPB Action I respectfully request that the Bureau require Bridgecrest to provide : A full reinvestigation supported by documentary evidence.

All relevant account records including : Retail Installment Contract Full payment history Charge-off accounting Notices sent to me Collateral/impound decision documentation Metro 2 reporting codes Correction or deletion of the tradeline if Bridgecrest can not verify its accuracy.

Oversight to ensure Bridgecrest complies with its obligations under the FCRA.

Conclusion Bridgecrests response fails to correct the inaccuracies in its reporting, does not demonstrate a reasonable investigation, and does not comply with federally required verification standards. Because the disputed information remains unverified and incomplete, it can not legally be reported as accurate. 

I request the CFPBs continued assistance in obtaining a compliant and documented investigation from Bridgecrest. 

Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation