Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #18085318
Complaint Overview
Complaint ID: 18085318
Company: Bridgecrest Acceptance Corporation
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-Issue: Difficulty submitting a dispute or getting information about a dispute over the phone
State: Virginia
ZIP Code: 23224
Date Received: 2025-12-02T12:00:00-05:00
Date Sent to Company: 2025-12-02T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
To Whom It May Concern, I am submitting a formal dispute regarding the accuracy of an account reported by Bridgecrest. I am a victim of predatory lending, and the loan terms associated with this account were unfair and not clearly or properly disclosed. As a result, the information being reported on my credit file is inaccurate and misleading. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, all information furnished to consumer reporting agencies must be fair, accurate, and verified. Additionally, under FCRA Sections XXXX, credit bureaus and furnishers may be held liable for reporting false, inaccurate, or unverifiable information. I am requesting an immediate reinvestigation of this account. If Bridgecrest can not provide complete and original documentation that fully verifies the accuracy and legitimacy of this account, I am requesting its prompt deletion from my credit report. Please provide written confirmation of the results of your reinvestigation. Thank you for your attention to this matter. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #18085318 about?
Complaint #18085318 was filed against Bridgecrest Acceptance Corporation regarding Credit reporting or other personal consumer reports specifically about Problem with a company's investigation into an existing problem. It was received by the CFPB on 2025-12-02T12:00:00-05:00.
How did Bridgecrest Acceptance Corporation respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Bridgecrest Acceptance Corporation?
Yes, visit the Bridgecrest Acceptance Corporation company profile at readthecomplaint.com/company/bridgecrest-acceptance-corporation to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.