Consumer complaint received 2025-04-17 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bridgecrest Acceptance Corporation
State: AZ

Complaint narrative:
Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Dear Sir or Madam, I am writing to file a formal complaint against Bridgecrest ( XXXX  Bridgecrest, Account # XXXX, XXXX  # XXXX ) regarding their fraudulent misrepresentation of my payment history to major credit bureausXXXX XXXX and XXXX My name is XXXX XXXX XXXX, and my address is XXXX XXXX XXXXXXXX XXXX AZ XXXX. The current balance on this account is {$10000.00}. I have attached relevant documentation, including my payment history and blacked-out contract pages sent by Bridgecrest, to support my claims.

Bridgecrest has engaged in deceptive and unlawful practices by deliberately misreporting the date of my first missed payment to the credit bureaus. My payment history clearly shows the first delinquency occurred in XX/XX/XXXX, with a {$5.00} late fee assessed on XX/XX/XXXX. However, Bridgecrest falsely reported to the credit bureaus that my first missed payment was in XX/XX/XXXX. This misrepresentation appears designed to extend the reporting period of this debt on my credit profile beyond the seven-year limit, intimidating me into paying the debt. As of today, XX/XX/XXXX, it has been seven years since the first delinquency, and this debt should no longer appear on my credit reports. 

Additionally, Bridgecrest has refused to provide me with a legible copy of my contract, sending only blacked-out pages, which prevents me from verifying the terms of the agreement. This lack of transparency further suggests their intent to obscure their misconduct.

Bridgecrests actions violate the following federal and state laws : Federal Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ) : Bridgecrest, as a furnisher of credit information, has a duty to conduct a reasonable investigation of disputes and correct inaccurate information reported to credit bureaus. By falsely reporting the first missed payment as XX/XX/XXXX instead of XX/XX/XXXX, Bridgecrest has failed to ensure the accuracy of the information provided to XXXX XXXX and XXXX, violating the FCRA. This is supported by cases such as XXXX v. Bridgecrest Credit Co., where Bridgecrest was alleged to have negligently and willfully violated the FCRA by failing to properly investigate disputes and correct inaccurate credit reporting.

Federal Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e : If Bridgecrest is acting as a debt collector ( e.g., collecting on a defaulted debt ), their misrepresentation of the delinquency date to extend the debts reporting period constitutes a false or misleading representation in connection with debt collection. This violates the FDCPAs prohibition on deceptive practices. While Bridgecrest may argue they are the original creditor and
not subject to the FDCPA, their conduct in misreporting payment history to coerce payment aligns with deceptive tactics prohibited under this law.

Arizona Consumer Fraud Act, XXXX XXXX  : Bridgecrests intentional misrepresentation of my payment history and refusal to provide a legible contract constitute deceptive acts or practices in the conduct of trade or commerce. Arizona law prohibits such fraudulent conduct, and Bridgecrests actions to mislead credit bureaus and obscure contract terms violate this statute. Consumers are entitled to accurate information and transparency, and Bridgecrests practices undermine these protections. Arizona Credit Reporting Regulations, XXXX XXXX : Arizona law requires furnishers like Bridgecrest to provide accurate information to credit bureaus and to correct inaccuracies promptly upon notice. By failing to report the correct delinquency date and ignoring the seven-year reporting limit, Bridgecrest has violated Arizonas credit reporting regulations, further harming my credit profile.

Company response to consumer: Closed with explanation