Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #17991403
Bridgecrest Accused of Reporting Incorrect Account Status on Credit Reports
Complaint Overview
Complaint ID: 17991403
Company: Bridgecrest Acceptance Corporation
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account status incorrect
State: Iowa
ZIP Code: 50322
Date Received: 2025-10-31T12:00:00-05:00
Date Sent to Company: 2025-12-12T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Risk Assessment
Risk Level: medium
Incorrect account status reporting can negatively impact a consumer's credit score and ability to obtain future credit.
Consumer Sentiment: negative
Topics: Credit Reporting, Incorrect Information, Account Status
AI Analysis
CFPB complaint 17991403 was filed against Bridgecrest Acceptance Corporation regarding Credit reporting or other personal consumer reports (Credit reporting), specifically about "Incorrect information on your report". A consumer reported incorrect account status information on their credit report from Bridgecrest Acceptance Corporation. The complaint was received on October 31, 2025 from Iowa. The company responded with "Closed with explanation".
What You Should Do -- Consumer Action Plan
Consumers should regularly review their credit reports for accuracy and dispute any errors with the credit reporting agency and the furnisher of the information.
Legal Context & Consumer Protection Laws
The Fair Credit Reporting Act (FCRA) requires credit reporting agencies and furnishers of information to ensure the accuracy of consumer report data.
Regulatory Insight
This complaint highlights the importance of accurate account status reporting by loan servicers and the potential for FCRA violations if errors are not corrected.
Resolution Likelihood
mixed
State-Specific Consumer Protections
In Iowa, consumers have rights under state and federal law to ensure the accuracy of their credit information.
Industry Comparison
Credit reporting disputes are common, but incorrect account status is a specific issue that can have significant consequences.
Related Issues
Frequently Asked Questions
What is CFPB complaint 17991403 about?
CFPB complaint 17991403 involves Credit reporting or other personal consumer reports (Credit reporting). The consumer reported an issue with "Incorrect information on your report", specifically "Account status incorrect". This complaint was filed against Bridgecrest Acceptance Corporation on October 31, 2025.
Which company is complaint 17991403 filed against?
Complaint 17991403 was filed against Bridgecrest Acceptance Corporation. You can view all complaints against this company on their profile page at /company/bridgecrest-acceptance-corporation.
What was the company's response to complaint 17991403?
Bridgecrest Acceptance Corporation responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 17991403 filed?
Complaint 17991403 was received by the CFPB on October 31, 2025. It was sent to Bridgecrest Acceptance Corporation on December 12, 2025.
What state was complaint 17991403 filed from?
Complaint 17991403 was filed from Iowa. You can view all complaints from this state at /state/IA.
Was the consumer satisfied with the resolution of complaint 17991403?
Dispute information is not available for complaint 17991403.
What product category is complaint 17991403 about?
Complaint 17991403 is categorized under "Credit reporting or other personal consumer reports", specifically "Credit reporting". This is one of the product categories tracked by the CFPB.
How was complaint 17991403 submitted?
Complaint 17991403 was submitted via Web. The CFPB accepts complaints through web, phone, mail, email, fax, and referral channels.
What are the consumer's legal options for complaint 17991403?
The Fair Credit Reporting Act (FCRA) requires credit reporting agencies and furnishers of information to ensure the accuracy of consumer report data. This relates to a Credit reporting or other personal consumer reports complaint against Bridgecrest Acceptance Corporation involving "Incorrect information on your report".
How likely is complaint 17991403 to be resolved?
Resolution likelihood: mixed. The company's current response is "Closed with explanation". The company did respond in a timely manner, which is a positive indicator.
What does the risk level mean for complaint 17991403?
This complaint is rated as medium risk. Incorrect account status reporting can negatively impact a consumer's credit score and ability to obtain future credit.
What regulatory actions apply to complaint 17991403?
This complaint highlights the importance of accurate account status reporting by loan servicers and the potential for FCRA violations if errors are not corrected. The CFPB tracks complaints like this one to identify patterns of misconduct across the Credit reporting or other personal consumer reports industry.
What should the consumer do about complaint 17991403?
Consumers should regularly review their credit reports for accuracy and dispute any errors with the credit reporting agency and the furnisher of the information.
Are there state-specific protections for complaint 17991403?
In Iowa, consumers have rights under state and federal law to ensure the accuracy of their credit information. This complaint was filed from Iowa.
How does complaint 17991403 compare to industry norms?
Credit reporting disputes are common, but incorrect account status is a specific issue that can have significant consequences.
What steps should a consumer take if they discover incorrect account status information on their credit report?
The consumer should first dispute the information directly with the credit reporting agency (e.g., Equifax, Experian, TransUnion) and also with the furnisher of the information, Bridgecrest Acceptance Corporation, providing supporting documentation.
What is the typical timeframe for a credit reporting agency to investigate a dispute?
Under the FCRA, credit reporting agencies generally have 30 days (or 45 days in certain circumstances) to investigate a consumer's dispute and correct any inaccurate information.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.