Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
To whom it may concern at the Consumer Financial Protection Bureau, I am disputing a vehicle repossession and resulting debt being reported by XXXX XXXX. I voluntarily surrendered the vehicle in XXXX due to moving overseas. The company claims the vehicle was disposed of on XX/XX/XXXX, and has reported a deficiency balance of {$8900.00} to the credit bureaus. A debt collector Weber & Olcese later reported a different balance of {$8700.00}. 
I have not received the required notices under Michigan law and the UCC : - I did not receive a pre-sale notice informing me of the time/method of sale ( MCL XXXX ). 
- I have never received a post-sale notice showing the sale price, calculation of the deficiency, or accounting breakdown ( MCL XXXX ). 
- The amounts reported to credit bureaus and by the collector are inconsistent and unverified. 

Additionally, XXXX XXXX has only provided copies of the repossession-related notices as attachments in their response to my CFPB complaint. This is not a legally valid method of providing notice under Michigan law or UCC Article XXXX. The required pre-sale and post-sale notices must be proactively mailed or delivered directly to the consumer at the time of repossession and sale. Uploading them in response to a complaint does not retroactively satisfy those legal obligations. This further confirms that I never received proper notice, and the deficiency balance they claim may be invalid and legally uncollectible. 

Additionally, I was recently contacted on XX/XX/XXXX, by a process server who refused to leave documents unless I signed them, which I understand is improper under Michigan law. In addition, during a phone conversation with a representative, I was informed that I was required to sign documents. However, when I refused to sign, the representative then stated that signing was not mandatory. This inconsistency in their statements could be seen as an attempt to pressure me into agreeing to something under duress, which I believe is an improper practice. I did not sign any documents, and I am concerned that their actions may be part of a larger pattern of coercion or failure to follow proper legal procedures. This inconsistency should also be considered when reviewing their actions and the validity of the repossession and debt collection processes. 

Additionally, XXXX XXXX is reporting the repossession as an involuntary repossession in the documents that I was served on XX/XX/XXXX, when in fact, the repossession was voluntary. I voluntarily surrendered the vehicle due to my move overseas. This misreporting of the repossession type is inaccurate and has caused significant harm to my creditworthiness. 

XXXX XXXX violations [ ] Refused to leave papers unless you signed [ ] Wouldnt identify who they were serving for [ ] Used coercive tactics Pre-Sale Violation Did you receive a written notice *before* the car was sold? 
[ ] No ( Violation : MCL XXXX ) [ ] Notice was sent too late [ ] Notice didnt include date, time, or method of sale Accurate Accounting Violation Is the balance theyre claiming different in different places? 
[ ] Yes credit report says {$8900.00}, collector says {$8700.00} [ ] XXXX received no breakdown showing how they got to these numbers [ ] No documentation proving sale price or fees deducted ( Only sent through attachment on the CFPB in response of a complaint ) FDCPA Violations [ ] Misstated the amount or nature of the debt [ ] Threatened legal action without proper basis [ ] Continued collection while debt was disputed [ ] Tried to restart the debt by asking for a signature or payment Additionally, XXXX XXXX has only provided copies of the repossession-related notices as attachments in their response to my CFPB complaint. This is not a legally valid method of providing notice under Michigan law or UCC Article XXXX. The required pre-sale and post-sale notices must be proactively mailed or delivered directly to the consumer at the time of repossession and sale. Uploading them in response to a complaint does not retroactively satisfy those legal obligations. This further confirms that I never received proper notice, and the deficiency balance they claim may be invalid and legally uncollectible. 

I am requesting that XXXX XXXX and/or its debt collector : - Address all violations outlined in the attached Thank you for your attention to this matter. 

Sincerely

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