Consumer complaint received 2026-02-23 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Arbor Professional Solutions, Inc.
State: MI

Complaint narrative:
Your Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX Date : XX/XX/year> To : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, MI XXXX Re : Formal Dispute of Account and Unauthorized Sale of Alleged Debt Account Number : XXXX Dear Sir or Madam, I am writing to formally dispute the above-referenced account and the reporting of this alleged debt. I also dispute the validity of any balance you claim is owed. On [ insert date ], your representative stated that XXXX XXXX XXXX allegedly attempted to contact me and sold this debt to a third party. I have no record, correspondence, or proof that : - Any lawful notice of default was provided - Any repossession notices were sent - Any post-repossession accounting was provided - Any notice of sale or deficiency balance was issued - Any IRS Form XXXX was provided, if the debt was charged off or sold Your claim that you attempted contact is unsupported and disputed. Furthermore, the original vehicle loan is itself in dispute. The vehicle sold to me was materially misrepresented and defective, including but not limited to : - Vehicle condition was poor and not as represented - Heated seats advertised were not present ( confirmed by dealership ) - Vehicle suffered vandalism while in my possession - Only one key was provided, contributing to security concerns- Rusted gas tank and other mechanical deficiencies rendered the vehicle unreliable I maintained full coverage insurance and filed police reports documenting these issues. At the time, neither the dealership nor XXXX XXXX XXXX made good-faith efforts to resolve the matter. Now, years later, I am being improperly pursued for approximately {$11000.00}, which I dispute in full. Under the * * ( XXXX XXXX. XXXX et seq. ) * * and other applicable laws, I am requesting the following : 1. Validation of the alleged debt, including : - Complete payment history - Original signed contract - Chain of title showing legal assignment to any third party - Date and amount of any post-repossession sale - Calculation of any claimed deficiency balance 2. Proof of all required notices, including : - Notice of default - Notice of repossession - Notice of sale - Post-sale deficiency notice 3. IRS Form 1099-C, if the debt was cancelled, forgiven, or sold. 4. Immediate deletion of this account from my credit reports if you can not fully validate and document the debt. Please note : - Reporting inaccurate or unverified information violates the FCRA. - Failure to provide proper post-repossession notices may bar any deficiency claim. - Continued reporting of disputed, unverified information may constitute willful noncompliance. You have 30 days to investigate and respond. If you can not fully validate this account with competent documentation, you must delete the tradeline from all consumer reporting agencies immediately. I reserve all rights under federal and state law, including the right to file complaints with the Michigan Regional state regulators, and to pursue civil remedies if necessary. Please send all correspondence to the address listed above. Sincerely, XXXX XXXX XXXX Enclosures - Copy of ID - Proof of address - police reports

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation