Consumer complaint received 2025-08-08 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Michigan XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, Michigan United States Minor , Outlying Islands Near. [ XXXX ] Date : XX/XX/year> To : Credit Acceptance Corporation XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX Subject : Formal Complaint, Dispute, and Demand for Immediate Corrective Action Unlawful Property Seizure and Fraudulent Litigation ( Case No. XXXX ) To Whom It May Concern, This correspondence serves as my formal dispute and demand for corrective action regarding your unlawful actions in seizing, or attempting to seize, property belonging to my family in connection with a consumer transaction to which I am not a party. These actions violate Michigan law, federal consumer protections, and constitute fraud upon public institutions. 


I. Violations of Michigan Law Credit Acceptance has unlawfully attempted to enforce seizure or control over property that does not belong to the alleged debtor and is not collateral for any consumer credit transaction involving me. Your conduct is in violation of, but not limited to : 1. MCL 600.6104 ( 1 ) Limiting enforcement to property of the judgment debtor only.

2. MCL 600.6018 & 600.6023 Prohibiting seizure of exempt property and property not legally owned by the debtor.

3. MCL 440.9609 ( 1 ) ( a ) Prohibiting repossession without a valid security interest and due process.

4. MCL 600.2907a Establishing civil liability for malicious or wrongful execution against property.

II. Reckless Disregard and Lack of Due Diligence You failed to confirm legal ownership, lien status, or any secured interest before proceeding. This blatant disregard for statutory and procedural safeguards has caused a ripple effect of damages, including : Loss of transportation and resulting wage loss. 
Severe financial hardship and unplanned expenses. 
Emotional distress, anxiety, and mental anguish. 
Health decline requiring medical treatment. 
Family strain, distancing, and breakdown of relationships. 


III. Fraud Upon Public Offices By misrepresenting facts and concealing the true ownership of property, you have defrauded : The City of XXXX by misusing enforcement processes. 
XXXX XXXX by abusing county court procedures. 
The XXXX XXXX XXXX in XXXX, Michigan by presenting false claims in XXXX XXXX. XXXX. 


IV. Attached Motion Enclosed is my Motion to Set Aside in Case No. XXXX, which outlines the full extent of statutory violations and fraudulent conduct at issue. 


V. Demand for Corrective Action You are hereby directed to : 1. Immediately cease and desist all unlawful seizure or enforcement activity against property not connected to any valid consumer credit transaction involving me.

2. Correct and withdraw all false claims and filings with courts, governmental bodies, and credit reporting agencies.

3. Provide written confirmation within 14 days that all enforcement actions have been halted and the matter resolved.

4. Compensate for the financial, emotional, and reputational harm suffered.

Failure to comply will result in : Complaint to the Michigan Attorney Generals Consumer Protection Division.

Filing of a Notice of Fraud Upon the Court in the 3rd Circuit Court.

Pursuit of all legal and equitable remedies available to me.

I certify that the statements herein are true to the best of my knowledge and reserve all rights without prejudice. 

Respectfully, XXXX XXXX XXXX, Executor of the XXXX XXXX XXXX XXXX Estate ( XXXX ) XXXX | XXXX Enclosures : Motion to Set Aside Case No. 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