Credit reporting, credit repair services, or other personal consumer reports -- Incorrect information on your report -- Complaint #6193701
Complaint Overview
Complaint ID: 6193701
Company: Bridgecrest Acceptance Corporation
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account status incorrect
State: Delaware
ZIP Code: 19810
Date Received: 2022-11-13T12:00:00-05:00
Date Sent to Company: 2022-11-13T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I have taken a look at my credit report which has caused some confusion. I used my social security number/card defined under 15 USC 1602 XXXX l ) to extend credit with Bridgecrest to obtain a vehicle. I am a natural person, a federally protected consumer, and the original creditor defined under 15 USC 1602 ( g ). The vehicle which is subject to the transaction was used primarily for personal, family and household purposes. Bridgecrest has engaged in extortion and racketeering activity defined under Title 18 Chapter 42. Bridgecrest has violated my consumer rights : XXXX15 USC 1602 ( k ) : I was not informed on the cost of credit. I never received written adequate notice that sets for the pertinent facts for this consumer credit transaction XXXX15 USC 1601 ( a ) : XXXX makes it clear that consumer credit would be strengthen by the informed use of credit. The only decision I was given after the consummation of the transaction was to make payments without penalty which is a violation of 18 USC 880 -15 USC 6802 ( b ) ( XXXX ) ( B ) : I, the consumer, have never been given the opportunity to direct that my nonpublic personal information should not be disclosed to nonaffiliated XXXX parties such as XXXX, XXXX and XXXX. Nor was I given an explanation on how to exercise the nondisclosure option which is a violation of 15 USC 6802 ( b ) ( XXXX ) ( C ). -15 USC 1666 ( a ) ( XXXX ) I am aware that all extensions of credit are tied to my social security card and that the XXXX XXXX is obligated to all debts under 18 USC 8. Bridgecrest has illegally repossessed my vehicle to cause harm. They have also reported late payments to my consumer report. I am requesting additional clarification in regards to the billing errors under code 15 USC 1666 ( b ) ( XXXX ) documentary evidence under 15 USC 44 includes books of account.
Frequently Asked Questions
What is Complaint #6193701 about?
Complaint #6193701 was filed against Bridgecrest Acceptance Corporation regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2022-11-13T12:00:00-05:00.
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, credit repair services, 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.