Consumer complaint received 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : Formal Demand for Removal of Inaccurate Repossession Entry Notice of Violation of UCC 9-611, 9-613, 9-615, and 9-616 Dear [ XXXX XXXX XXXX XXXX XXXX ], I am writing to formally dispute and demand the removal of a vehicle repossession entry currently listed on my credit report. This entry is inaccurate, incomplete, and reported in violation of multiple sections of the Uniform Commercial Code ( UCC ), which governs secured transactions and creditor obligations after a default.

The entry in question is for the following account : Credit Acceptance Account Number : XXXX Reported Status : Repossession I assert that the creditor failed to comply with the following required provisions of the UCC : Violation of UCC 9-611 Notification Before Disposition of Collateral This law requires that the secured party ( lender ) send an authenticated notice of default and intent to repossess or dispose of the collateral ( vehicle ) to the debtor in a timely and commercially reasonable manner. Demand : I request that you provide documented evidence that I received such notice at least 10 days before repossession and that the notice was properly authenticated and sent to my correct address. Violation of UCC 9-613 Contents and Timing of Notification Before Disposition of Collateral This provision outlines exact requirements for the contents of the notice ( including the date of disposition, method, and terms ). Failure to comply invalidates the creditors right to collect a deficiency or report a lawful repossession. Demand : Please provide a copy of the complete pre-sale notice sent to me, clearly showing all information required by UCC 9-613, including the sale date, method of sale, and amount expected. Violation of UCC 9-615 Application of Proceeds of Disposition ; Liability for Deficiency If the sale of the repossessed vehicle was conducted, the creditor must account for and correctly apply the proceeds to the outstanding debt and disclose any surplus or deficiency.

Demand : Please provide a full accounting ledger showing the amount received from the sale, how it was applied, and proof that the sale was conducted in a commercially reasonable manner as required by law.

Violation of UCC 9-616 Explanation of Calculation of Surplus or Deficiency The creditor is required by law to send a detailed explanation of how any deficiency or surplus was calculated and applied. Without this notice, any negative reporting of a deficiency is invalid.

Demand : Please provide the explanation of deficiency letter that was sent to me as required by UCC 9-616.

Conclusion and Demand for Immediate Action Because the reporting of this repossession and any related deficiency balance fails to meet legal compliance under multiple sections of the UCC, it must be considered inaccurate and unverifiable under the Fair Credit Reporting Act ( FCRA ).

In accordance with the FCRA ( 15 U.S. Code 1681i ), I demand that you remove this inaccurate and unverified repossession from my credit file immediately.

Failure to do so may result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potential legal action for damages due to willful and negligent reporting.

Please complete your investigation and provide written confirmation of deletion within 30 days, as required by law. 
Sincerely, 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