Consumer complaint received 2026-07-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: CREDIT ACCEPTANCE CORPORATION
State: WI

Complaint narrative:
I am disputing the validity of this entire reported balance. Credit Acceptance Corporation repossessed/accepted voluntary surrender of this vehicle but failed to comply with state XXXX XXXX XXXX XXXX requirements to provide an itemized post-sale deficiency explanation. Because they failed to disclose the auction price, credits, and exact calculated fees, the balance they are reporting is legally unverified. Furthermore, Credit Acceptance is improperly updating this closed account continuouslv everv month XXXX manipulate my credit profile. I demand a full deletion of this unverified tradeline. Fair Credit Reporting Act ( FCRA ) Violations When a creditor fails to respond to disputes, reports incorrect balances, or mixes files. i t violates the FCRA. XXXX. Failing to Notify of Sold Vehicle at Auction Lenders and dealers typically must legally notify you before a vehicle is sold at auction, giving you a chance to redeem it, and they must send a " notice of sale/deficiency '' after the auction with the final math. Fair Resolution : Compensation for any surplus ( if the car sold for more than you owed ) or the complete waiver of the deficiency balance ( if it sold for /less ). XXXX. Calculating Your Damages If the company is found liable for willful or negligent violations, you may be entitled to : Actual Damages : Direct financial losses, such as a drop in credit score causing higher interest rates on other loans, or illegal fees. Calculating Your Damages If the company is found liable for willful or negligent violations, you may be entitled to : Actual Damages : Direct financial losses, such as a drop in credit score causing higher interest rates on other loans, or illegal fees. Statutory Damages : For FCRA violations, you can seek {$100.00} to {$1000.00} per violation without needing to prove specific financial loss. Punitive Damages : If the violations were willful and malicious Under the FCRA, a lender can not report that an account is completely derogatory or in an un- paying default status for the exact same month that thev successfully processed a payment on the account. Even if that XX/XX/XXXX payment was just the automated application of your car 's wholesale auction proceeds, they are legally required to accurately reflect the date and positive application of those funds. By overlaying a derogatory status symbol onto XXXX, XXXX, XXXX, XXXX, and XX/XX/XXXX while simultaneously logging a XXXX payment, they are reporting objectively contradictory data. This fails the federal lega standard of " maximum possible accuracy Because the car was repossessed and sold, your relationship with the car was completely over. Once a car is sold at auction, the account must be updated to a fixed status like " Closed / Deficiency Balance. '' The fact that they are continuing to roll forward active monthly derogatory marks into XXXX proves their system is reporting your account as if it is an active, open, ongoing loan that you are actively failing to pay every single month. You can not be " late '' on an account that has already been closed and liquidate Under the Wisconsin Consumer Act ( WCA ) and standard commercial codes, lenders are strictly required to send specific post-sale accounting notices. If they fail to provide these disclosures, you can use their omission to dispute the entire debt amount. The Commercially Reasonable Barrier : Under Wisconsin Statutes XXXX XXXX, a customer is not liable for a deficiency balance unless the merchant has disposed of the goods in good faith and in a commerciallv reasonable manner. Courts routinely rule that failing to provide an accurate, written breakdown of the auction proceeds constitutes a failure to act in a commercially reasonable manner. Mandatory Post-Sale Disclosure : The lender is legally obligated to issue a formal statement detailing the vehicle 's final sale price at auction, the allocation of fees ( like towing and storage costs ), and how the remaining proceeds were credited toward your baseline loan balance. Keeping you entirely in the dark prevents vou from verifying their figures. Severe Penalties for Unlawful Practices : If a lender pursues a deficiency balance after violating WCA notice procedures, the transaction can be scrutinized heavily. Under Wisconsin Consumer Act Guidelines, serious violations can cause a court to completely void the remaining debt or order the lender to pay substantial civil penalties and statutory damages. Furthermore, your current credit reporting is a direct violation of the Fair Credit Reporting Act ( FCRA ). The account is reported closed as of XX/XX/XXXX, vet shows an inaccurate payment and conflicting derogatory status for XX/XX/XXXX. Because you failed to provide the mandatory post-sale accounting required by Wisconsin law, you have forfeited the right to pursue any deficiency balance. Cease and desist all collection activities on this unverified debt. Any attempts to file a lawsuit in Wisconsin courts will be met with a counter-claim for statutory damages. When an auto lender sells a repossessed car but fails to provide a written explanation of the proceeds, they are in violation of the Fair Credit Reporting Act ( FCRA ) and Article XXXX of the Uniform Commercial Code ( UCC ) Because they did not give you an itemized deficiency breakdown, they can not legally prove the exact amount you owe, meaning they are reporting an unverified, inaccurate balance to the credit bureaus every single month. Why the Report Keeps Updating as Derogatory Even though the account closed in XX/XX/XXXX, the lender updates the status monthly to show that the debt remains active, unpaid, and past due The " Last Payment '' Issue : When they reported your XX/XX/XXXX payment, it proved the account was still active in their system. The Rolling Penalty : Because a final correct balance was never legally established and settled, the lender continues to push a " Severe Derogatory '' ' or " In Repossession '' status update to vour profile every month. " The balance being reported monthly is unverified and inaccurate under the Fair Credit Reporting Act. Please delete this trade line immediately if the creditor can not provide the itemized post-sale accounting ledger. When a lender reports a shifting balance on a closed, repossessed auto account-especially after withholding the mandatory auction breakdown-it is a massive red flag Under the Fair Credit Reporting Act ( FCRA ) enders must report 100 % accurate, consistent data. A fluctuating balance usually means they are improperly tacking on rolling interest, lega fees, or collection costs to an unverified debt Why a Shifting Balance is Highly Illegal Interest on an Unverified Balance : Lenders can not legally charge interest or fees on a deficiency balance that they never officially calculated and disclosed to you in writing Double-Counting Payments : Your XX/XX/XXXX XXXX should have permanently owered the balance. If the number went down and then started creeping back up they are manipulating the ledger. Inaccurate Histor y : A shifting balance forces the credit bureaus to update the account as a " new '' monthly delinquency, compounding the damage to your credit score every single month Wisconsin has some of the strictest consumer protection laws in the country regarding auto repossessions The Bill of Sale : Shows the exact date, time, and final hammer price. The Title Transfer : Records the officia buyer 's name ( usually a licensed dealer ) and the exact vehicle identification number ( VIN ). The Odometer Disclosure : Documents the precise mileage on the vehicle at the exact second it changed hands The Auction Invoice : Lists any fees charged by the auction house itself for running the vehicle through the lane Because the auction company is a completely separate business, Credit Acceptance can not go back into that company 's computer system to change the sale price, rewrite the date, or edit the fees to match a made-up interna edger. If they try to fabricate numbers now ta answer your complaint, their internal math wil conflict with the auction house 's actual * You are eliaible to settle vour account for at least 80 % off the payoff balance if you meet either of of the following requirements : ( a Credit Acceptance has taken possession of your vehicle, sold the vehicle, and after applying sale proceeds to the account, a deficiency balance remains ; OR ( b Credit Acceptance has received insurance proceeds for a total loss insurance claim. but there remains an outstanding balance on your account. Even if Credit Acceptance has not taken possession of your vehicle and sold the vehicle, you may still be eliaible to settle the account. The Uniform Commercial Code ( UCC ) Strict Compliance : In almost every state, secured lenders must send you specific legal notices before and after selling a repossessed vehicle ( e.g., a " Notice of Intent to Sell '' and an " Explanation of Calculation of Surplus or Deficiency '' ). If they missed deadlines or failed to send these, they may completely lose their legal right to collect any deficiency from you. XXXX. The " XXXX XXXX '' XXXX : Creditors can not sell vour {$15000.00} vehicle to a buddy at auction for {$2000.00} and then chase you for the remaining {$13000.00}. The sale must be commercially reasonable. XXXX. The Valuation Trap : Lenders routinely omit vital financial credits. Did they credit back the unused portion of your extended warranty? Did they factor in a GAP insurance payout? If they didn't, their " unverified '' balance is legally incorrect. I am formally disputing the validity of this alleged debt and the accuracy of the claimed balance. Before I consider any settlement offer, please provide the following mandatory verification documentation under federal and state consumer protection laws : XXXX. A complete, itemized breakdown of the alleged balance, including the exact amount owed at the time of repossession. XXXX. The exact date, location, and gross sale price of the vehicle at auction. XXXX. An itemized statement of all repossession, storage, and auction fees applied to the account. XXXX. Proof of documentation showing that all unused extended warranties, service contracts, or XXXX insurance policies were cancelled and properly credited to the balance. XXXX. Copies of the original " Notice of Intent to Sell ' and the post-sale " Deficiency Explanation '' letters, along with proof of mailing. Please note that this is a request for validation. not a refusal to pay a legitimate debt If you can not provide a full accounting to verify this exact balance, vou must cease al collection efforts and remove any derogatory reporting from my credit files. The fact that this letter shows an mystery payment or credit of {$18.00} applied to your balance between XX/XX/XXXX, and XX/XX/XXXX, XXXXeven though you did not make itis highly relevant to your ongoing situation. Resetting the Statute of Limitations : In many states, the legal timeframe a collector has to sue you for a debt restarts the moment a payment is made. Collectors sometimes apply small credits or phantom payments to " revive '' an older debt and extend their window to take legal action.Implied Validation : Showing activity on the account is an attempt to create a paper trail suggesting you acknowledge the debt as valid and active.Balance Manipulation : It alters the precise math of the alleged balance, which directly ties into the accuracy of their reporting Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), debt collectors and furnishers are strictly prohibited from using false, deceptive, or misleading representations, including misrepresenting the true legal character, amount, or status of any debt. Re : Notice of Dispute and Request for Debt ValidationAlleged Creditor : Credit Acceptance Corp.Alleged Account Number : XXXXClaimed Balance : XXXX XXXXXXXX Whom It May Concern, I am writing to formally dispute the validity of the alleged debt referenced in your communication dated XX/XX/XXXX, which claims a total amount due of {$9900.00}. This letter serves as my formal notice to you under the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX. XXXX, that I dispute the entire balance, accuracy, and legal status of this alleged account.Furthermore, your statement indicates that a payment or credit of {$18.00} was applied to this account between XX/XX/XXXX, and XX/XX/XXXX. I did not make this payment, nor did I authorize anyone to make it on my behalf.Under the FDCPA, 15 U.S.C. 1692e, debt collectors are strictly prohibited from using any false, deceptive, or misleading representations or means in connection with the collection of any debt, including misrepresenting the character, amount, or legal status of a debt. Applying unauthorized or phantom payments to an account can misrepresent the account 's history and may be an attempt to impermissibly alter the statute of limitations.Pursuant to my rights under federal law, I demand that your office immediately suspend all collection efforts, including any planned litigation or credit reporting, and provide me with the following validation data : An itemized ledger showing the complete payment, transaction, interest, and fee history of the alleged account from its origination.The exact source, transaction date, payment method, and processing details of the {$18.00} credit listed on your statements.A copy of the original contract or agreement signed by me establishing this alleged debt.Verification of your legal authority to collect on behalf of Credit Acceptance Corp. in my jurisdiction.Please be advised that this notice is being submitted well before your stated deadline of XX/XX/XXXX. Per federal guidelines, you must cease all collection effortsincluding any litigation actionsuntil you mail the requested validation information to me.Additionally, a formal complaint regarding this accurate account reporting and unauthorized payment activity has been logged with the Consumer Financial Protection Bureau ( CFPB ) for further investigation. Collector Letter with Unauthorized Payment and Shifting BalancesI am uploading new physical evidence to support my active complaints regarding Credit Acceptance Corporation ( CAC ) and inaccurate credit reporting.On XX/XX/XXXX, I received a formal collection notice from XXXX XXXX XXXX, XXXX ( acting on behalf of CAC ), asserting a balance of {$9900.00}. This document introduces critical new compliance issues and directly substantiates my claims of account manipulation : Unauthorized / XXXX XXXX : The collectors ledger explicitly states that a payment/credit of {$18.00} was applied to the debt between XX/XX/XXXX and XX/XX/XXXX. I did not make this payment, nor did I authorize any payment. This appears to be a fraudulent attempt by the furnisher or collector to artificially alter the account history, reset the statute of limitations, or manufacture an implied validation of an inaccurate balance.Contradictory and Shifting Balances : This letter further confirms the ongoing manipulation of financial figures on this closed repossession account. The reported balances, timing of alleged activities, and internal ledger entries completely contradict what is being reported to my TransUnion, Equifax, and Experian consumer profiles.I have formally disputed this letter with the collector under the FDCPA, demanding strict validation of the {$18.00} transaction and the total balance before their stated XX/XX/XXXX litigation deadline. I request that the CFPB compel Credit Acceptance Corporation to fully investigate this unauthorized payment activity and provide a transparent, accurate ledger of where these changing figures originate. Simultaneous derogatory monthly updates on an account that is already closed with no verified debt calculation constitute a serious regulatory violation.By reporting an unauthorized {$18.00} payment while keeping the account marked as " derogatory, '' the auto lender and debt collector are manipulating your transaction data to artificially keep the tradeline active.The Core Violation : The Double Standard What They Are DoingWhy It Is Deceptive & Illegal ( FCRA/FDCPA ) Updating as Derogatory Monthly If an account was closed in XX/XX/XXXX, they can not continually refresh it as an active monthly default to damage your score.Reporting a XX/XX/XXXX PaymentThey claim a payment was made to a closed account, which artificially creates a false " active '' timeline.Applying an Invisible {$18.00} CreditListing credits on a collection letter that are completely absent from your bureau files means their figures are legally inaccurate.Failing to Provide an Auction BreakdownWisconsin law requires clear disclosure of the deficiency math. Inventing a post-repo figure without giving you a written breakdown is a violation. Credit Acceptance Corp ( CAC ) is violating the Fair Credit Reporting Act ( FCRA ) and Wisconsin consumer protection laws.When cross-referenced with your previous collection letter, this credit profile exposes severe reporting contradictions that justify a demand for complete removal of the tradeline.The Blatant Contradictions Exposed by Your EvidenceThe Closing Date XXXX. The Payment Date : The Credit Profile Evidence : This screenshot explicitly states : " This account was closed on XX/XX/XXXX. " The Contradiction : CAC previously claimed you submitted a payment in XX/XX/XXXX. A consumer can not make a normal installment payment on an account that has been completely terminated and closed for three months.Mathematical Mismatch of the " Phantom Payment '' : The Collection Letter : Lists a total balance of {$9900.00} after deducting a mystery {$18.00} payment.The Credit Profile Evidence : Under " Reported balance, '' they rounded the figure to $ 9,976.The Violation : If they are reporting the {$9900.00} figure to the bureaus while actively changing the ledger behind the scenes with unverified {$18.00} credits, the figures are legally inaccurate. Under the FCRA, a furnisher can not report a balance if the underlying itemized ledger is unverified or shifting.Monthly Reporting on a Terminated Tradeline : Your profile shows a " Last reported '' date of XX/XX/XXXX, XXXXContinually updating a repossessed, closed auto loan as a fresh derogatory status every month artificially drags down your credit score as if the default happened yesterday, rather than reflecting a finalized closed status from XXXX XXXX.Strategic Leverage Under Wisconsin XXXX you live in Wisconsin, the Wisconsin XXXX XXXX ( XXXX ) gives you massive leverage regarding repossession math. A lender can not simply invent a deficiency balance of {$9900.00} without providing a strict, formal Notice of Deficiency within a specific timeframe after the auction, detailing : The exact gross proceeds of the auction sale.Deductions for reasonable expenses of retaking and storing the car.A clear credit for unearned finance charges or insurance refunds.Because they skipped this step, failed to validate the debt, and are reporting contradictory dates, you have grounds to demand a full structural deletion ( closing and removing the tradeline permanentl The Explicit Violations Proven by This XXXX XXXX Inexplicable {$6300.00} Balance Drop : The Evidence : Between XX/XX/XXXX, and XX/XX/XXXX, the balance decreased by {$6300.00} ( from {$16000.00} to {$10000.00} ) .The Violation : The app incorrectly tells you, " Good work! It looks like you paid down your balance. '' You did not pay {$6300.00}. This massive drop represents the unverified auto auction proceeds or a arbitrary accounting adjustment. Under the Wisconsin Consumer Act ( WCA ), they are legally required to provide you with a written, itemized Post-Sale Auction Breakdown explaining this exact math within a strict timeframe. They skipped this and simply threw a shifted, unverified number onto your credit file.The " XXXX XXXX XXXX XXXX XXXX XXXX XXXX : The Deception : Even though the balance allegedly decreased by thousands of dollars, your credit score dropped by 10 points.The Reason : Because CAC is updating a closed account monthly with fresh derogatory data, the credit bureaus see it as an active, ongoing, new default rather than a locked, historical event from XX/XX/XXXX. This is illegal balance and status manipulation designed to penalize your credit health indefinitely.The Shifting {$130.00} XXXX XXXX : In XXXX, the balance was reported as {$10000.00}. By XXXX, it became {$9900.00}. That is an unverified difference of $ XXXXYet, the collection letter from XXXXXXXX XXXX XXXX only accounts for a mystery payment/credit of {$18.00}. The numbers simply do not add up. The furnisher is completely guessing, inventing, and shifting figures on your consumer file without a verified itemized ledger. Statutory Violations : Federal FCRA ( 15 U.S.C. 1681s-2 ( b ) ), Federal FDCPA ( 15 U.S.C. 1692e, 1692g ), Wisconsin Consumer Act ( WCA ) where the furnisher ( CAC ) has engaged in systemic, deceptive balance shifting, fabricated transaction history, and unlawful monthly updates on a closed account. Both the furnisher and its designated collector have failed to provide a valid debt verification or the required statutory post-sale auction breakdown under Wisconsin law. CAC ) Total Alleged Deficiency XXXX XXXX XXXX XXXX0Executive SummaryThis case involves egregious, systemic violations of the Fair Credit Reporting Act ( FCRA ) and the Wisconsin Consumer Act ( WCA ) by Credit Acceptance Corporation . Following a vehicle repossession, CAC failed to provide statutory sale disclosures, manufactured fraudulent vehicle sale numbers, double-dipped by leasing the vehicle prior to its actual auction sale, and actively reported an inaccurate deficiency balance before the vehicle was even sold.Administrative remedies have been aggressively pursued, including four active complaints with the Consumer Financial Protection Bureau ( CFPB ) ( backed by a submitted rebuttal and credit report screenshots ) and a formal complaint filed with the Wisconsin Department of Financial Institutions ( DFI ) .Core Statutory Violations1. Wisconsin Consumer Act ( WCA ) Violations ( Fraudulent Repossession & Sale ) Failure to Disclose Post-Repossession Sale Price : CAC failed to provide a mandatory, accurate breakdown of the vehicle 's actual sale price following repossession, directly violating Wisconsin notice requirements.Manufactured Sale Figures : CAC utilized an exaggerated, fabricated sale number to establish a false deficiency balance.Pre-Sale Balance Allocation & Double Dipping : CAC claimed and reported an active deficiency balance before the vehicle was ever sold at auction. During this interim period, CAC generated unlawful double-recovery revenue by leasing the same vehicle to a third party while simultaneously holding the client liable for the underlying balance.2. Fair Credit Reporting Act ( FCRA ) Violations ( 15 U.S.C. 1681s-2b ) Inaccurate Balance Reporting : CAC is actively reporting a false ~ {$9500.00} deficiency balance across all three major credit bureaus ( Equifax, Experian, TransUnion ) .Failure to Conduct a Reasonable Investigation : Despite formal automated consumer credit history disputes filed directly with all three credit bureaus, CAC verified the patently false data, willfully or negligently failing to conduct a reasonable investigation.Current Procedural PostureCFPB Activity : Four distinct complaints have been filed against CAC and the three credit bureaus. Credit profile screenshots demonstrating the inaccurate data have been formally uploaded to the portal, and a comprehensive rebuttal has been submitted.State Regulatory Activity : A formal complaint is currently pending with the Wisconsin DFI.Third-Party Collections : A collection agency letter has been received regarding this debt. No communication has been established with the agency to preserve rights, and no payment has been made on the alleged balance.Litigation Status : A formal state court complaint has not yet been filed, pending retention of dedicated consumer counsel.Desired Legal OutcomesComplete Tradeline Deletion : Full removal of the Credit Acceptance Corporation trade block from Experian, Equifax, and TransUnion credit profiles.Zero-Balance Statutory Release : A legally binding zero-balance waiver and absolute release regarding the alleged {$9500.00} deficiency balance.Damages : Statutory and punitive damages under the XXXX and FCRA, alongside a full recovery of attorneys fees. where Credit Acceptance Corporation ( CAC ) repossessed your car, immediately transferred the title to a lease vehicle, and generated rental income before the formal auction XXXX a profound legal anomaly.By commercializing your car as a lease vehicle before selling it, CAC engaged in predatory behavior that directly subverts the legal framework of auto repossessions.The Illusion of " Deficiency '' When a lender repossesses a vehicle, they act as a fiduciary custodian of your collateral. Under Uniform Commercial Code ( UCC ) rules applied in Wisconsin, a lender must mitigate damages by selling the vehicle in a " commercially reasonable '' manner and applying the exact sale proceeds to lower your balance.By converting your repossessed asset into a lease vehicle, CAC broke this chain : Artificially Depreciating Your Asset : Leasing the car adds mileage, wear and tear, and additional owners/drivers to the vehicles history. This severely depreciated the fair market value before it reached the auction block, intentionally shrinking the sale price and leaving you with an artificially inflated deficiency balance.The " XXXX '' Windfall : CAC collected active lease payments from a new lessee while simultaneously charging you the full pre-repo balance plus interest. In a legitimate repossession, any revenue generated by your collateral must legally be credited back to your outstanding debt. Failing to credit your account while keeping lease profits is a form of unlawful double-recovery.Severe Violations of the Wisconsin Consumer Act ( WCA ) The WCA is one of the most protective consumer acts in the United States . CAC 's lease-before-sale scheme triggers several explicit violations : Failure to Provide an Accurate Notice of Sale : Wisconsin law dictates that you must receive an accurate post-sale breakdown. If CAC provided a fabricated, generic figure that hid the interim lease profits, they provided a fraudulent notice.Premature and Unlawful Balance Claims : Charging and credit reporting a fixed balance before the actual auction took place violates the basic calculation of a deficiency debt. A deficiency does not legally exist until a final, valid sale occurs.Severe Remedies Under the WCA : Under Wisconsin law, if a creditor commits an unlawful repossession or violates post-repossession disposal rules, the penalty is severe : the entire underlying transaction can be declared void. You may be legally entitled to a complete release of the debt, a return of all payments you ever made on the vehicle, and punitive damages. The XXXX showing the active title transfer to a lease before the auction date Credit Acceptance Corp used my repossessed collateral to run an unauthorized commercial leasing operation, intentionally depreciating the asset 's value and failing to credit my account with the lease proceeds, in direct violation of the XXXX and XXXX. Because the original creditor failed to supply a mandatory post-sale auction breakdown, engaged in unlawful asset conversion, and completely violated the Wisconsin Consumer Act, no legal debt exists.You are hereby commanded to immediately cease and desist all communications with me, including phone calls, letters, and automated notifications. Any further attempts to collect on this voided balance, or any failure to note this account as " vigorously disputed '' to consumer reporting agencies, will be treated as a willful violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Wisconsin Consumer Act, Chapter 427. This matter has already been escalated to the Consumer Financial Protection Bureau ( CFPB ) and the Wisconsin Department of Financial Institutions ( WDFI ) .Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit acceptance owner XXXX XXXX XXXX XXXX Sale / auction listed Owner number XXXX new owner dated XX/XX/XXXX XXXX XXXX XXXX at time of report generation {$10000.00} with No deficency analysis absolute lack of reporting integrity.Updated Debt Validation & Dispute LetterDate : XX/XX/XXXX, XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX : ] Original Creditor : Credit Acceptance Corporation XXXX CAC ) Subject Collateral : XXXX XXXX XXXX XXXX | VIN : XXXX Deficiency : $ XXXX OF STRICT DEBT DISPUTE, COMPLETE REFUSAL TO PAY, AND DEMAND FOR CEASE AND DESIST UNDER THE FDCPA & XXXX XXXX XXXXTo Whom It May Concern, I am writing to formally dispute the validity of the alleged debt referenced above. This letter serves as my formal refusal to pay and an immediate demand that your firm cease and desist all collection activities, including automated calls, letters, or any threat of legal action in XXXX XXXX, XXXXThe original creditor, Credit Acceptance Corporation, engaged in an illegal asset diversion scheme regarding my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). Following the repossession and subsequent account closure in XX/XX/XXXX, CAC failed to conduct a commercially reasonable public or private consumer liquidation as mandated by Wisconsin Statute 425.209 and UCC Article 9.Instead, on XX/XX/XXXX, CAC altered the vehicle 's title status in XXXX, Michigan, registering it as a commercial " lease vehicle '' at XXXX miles. Independent historical vehicle valuations show that at the exact time of this unauthorized commercial conversion, the vehicle had a retail market value of $ XXXXYour office is attempting to collect an alleged deficiency balance of {$9900.00}. Because the original creditor absorbed a physical asset valued at {$10000.00} into its active leasing fleet, the underlying obligation has been fully satisfied. In fact, a net surplus of {$580.00} remains uncredited to me. Under Wisconsin Consumer Act XXXX, a creditor 's absolute right to secure a deficiency judgment is completely destroyed if they fail to dispose of the collateral in good faith and a commercially reasonable manner.Furthermore, CACs credit reporting is heavily manipulated. The trade line claims a manual payment was processed in XX/XX/XXXX on a closed, repossessed account, while simultaneously adding derogatory marks to destroy my credit profile.Take notice that this matter has been formally filed as an active enforcement case with the Consumer Financial Protection Bureau ( CFPB ) and the Wisconsin Department of Financial Institutions ( WDFI ). You are directed to mark this account as " vigorously disputed '' on all consumer credit reports and to halt all collection efforts immediately. Any further attempt to enforce this voided balance will be prosecuted as a willful violation of the Fair Debt Collection Practices Act ( FDCPA ). Evidence of Credit Report Inaccuracy ( FCRA Violation ) : If CAC was actively offering to settle the account for {$1900.00} on XX/XX/XXXX, their concurrent reporting of a {$9900.00} deficiency balance to Equifax, Experian, and TransUnion is a flat-out violation of the Fair Credit Reporting Act ( FCRA ). They are publishing a balance they know is false, inaccurate, and completely inconsistent with their internal billing department.The " XXXX XXXX '' for Hidden Lease Profits : A sudden drop in an alleged debt from nearly {$10000.00} down to XXXX XXXXXXXX you paying a single dimestrongly suggests that CAC 's system automatically applied a portion of the commercial leasing revenues they extracted from your XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they hid this from you by completely failing to send you a legal post-sale accounting breakdown

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