Consumer complaint received 2020-10-25
Company: CREDIT ACCEPTANCE CORPORATION
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
CREDIT ACCEPTANCE CORPORATION XXXX XXXX  XXXX CREDIT DISPUTE DEPT XXXX, MI XXXX Phone : ( XXXX ) XXXX I received a copy of my credit report and found the following item ( s ) to be errors. 
I am writing in regards to the above referenced accounts and transactions. 
This vehicle was repossessed by Credit Acceptance Corporation in the XXXX of Pennsylvania in XX/XX/2019. The exact date of this Repossession is unknown because I was out of the state when the car was taken. 
Additionally, Once the lender has repossessed the car, a sale of the car may be scheduled. Pennsylvania law requires lenders to provide the debtor with a notice of sale before the sale of the car. This notice must provide the debtor with information in writing of the date, time and location of the scheduled sale. 
Cars are usually sold at auction to the highest bidder. Personal property found inside a repossessed car may not be kept by the lender. The lender must provide the debtor with information regarding the recovery of personal property. Lenders must return the license plates of the car to the registered owner. Unfortunately, the law was broken and my rights were violated according to Pennsylvania State Repossession Laws. I NEVER received any notice of the scheduled sale of my vehicle. After disputing directly with Credit Acceptance, I received the notices and the certified mail receipts clearly showing they did not timely deliver the proper notices and the mail was returned to sender undelivered. Also, my valuable personal property and license plate was NEVER returned to me and my items were basically stolen. 
Also, statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle. As per Section 609. Disclosures to Consumers [ 15 U.S.C. 168 1g ], I am entitled to see the source of the information, which is the original contract that contains my signature and please note, the original creditor DID NOT PROVIDE ME any copy of the requested contract. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and DELETED from my report. It is my understanding that you will re-check these items with the creditor who has posted them. Please DELETE any information that the creditor can not verify. The items that the original creditor sent me as a result of my request for debt validation are ATTACHED in this letter. 
I will need this re-investigated timely in case I need to pursue legal action including initiating formal complaints to the state attorney general, better business bureau, CFPB and XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation