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Their investigation did not fix an error on your report. In XX/XX/XXXX, I obtained an auto loan from Credit Acceptance Corporation ( CAC ) for a vehicle that, unbeknownst to me at the time of purchase, had significant mechanical issues. Over the course of ownership, the vehicle frequently broke down, requiring numerous costly repairs. Despite investing substantial funds into fixing the car, it continued to have recurring problems. By XX/XX/XXXX, the vehicle was no longer operational, and the cost to repair it exceeded its value and the remaining balance on the loan. Due to the financial burden of repairing a non-functional vehicle and compounded by a change in life and home income, I was unable to continue making payments. Consequently, the vehicle was repossessed once in XX/XX/XXXXXXX