Credit Acceptance Corporation Odometer Fraud, Car Kiting, Don Foss will probably burn in hell !! Southfield Michigan

Though  I do not work work CAC,  I work for dealerships that use CAC as a financing tool.  I will be brief:
1) The problems you are having are in NO way at the fault of CAC, this is an issue with your dealer- in fact i believe it could even be accidental.

2.) Mileage has ZERO to do with the finance when teetering the 100k mark.  What I mean by this is, CAC will finance a vehicle on the SAME terms whether the car as 98,000 miles, or 110,000.  I finance cars daily that have up to 145,000 miles through CAC (not hire because we don't inventory anything hire).

3.) This is a classic case of a combo including dealer error (the mileage report), and buyer's remorse/error.  I encourage you (the original poster) to consider these things and rework you future comments regarding the matter.

You purchased your vehicle from a dealer, not CAC, all we do is finance the loans. Now, depending on the state you purchase, it CAC is supposed to hold the title, then it is the dealers responsibility to provide that info to CAC, not the other way around. When you didn't get your title(if you live in a state that requires you to carry the title), then your insurance company could have assisted you or intructed you on how to get a bonded title(CAC will refund the cost to you). If you chose not to make sure all of your documentation, title info, emissions check were not done when you signed your contract, then how could this be our fault. You were negligent in your responsiblities to you and your family. How is that the finance company's fault. We set a criteria & it is your responsibility to make sure all of your I's are dotted & T's crossed.

You signed a contract and anything written on the contract you questioned or thought was questionable, why did you sign the contract? Did you have a down payment? This may have been subtracted. What is your sales tax?
This has nothing to do with Credit Acceptance. You are refusint to pay the lender for something that has noting to do with them. This is a beef with the dealer.

Understand that if you don't pay Credit Acceptance your car will be repossed and every 30 days you go a deliquent balance it is reported to your credit report. Financiers don't pick out or audit cars they advance funds for purchase. If there was something wrong with the dealer practices then that is between you and the dealer. I advise you pay if you don't want additional problems like repo, repo fees, negative credit reporting, etc.

I am sorry that you are going through all this but here is what I would do. I work for a Car Dealer in Michigan. First of get a Carfax on the car you bought. They cost about 20.00 and it will tell you all of the times this car has been titled and when it was titled. I know for a fact that in Ohio that Car Dealers must apply for a title as soon as they get them and of course they are not suppose to sell the car without doing that first. That will give you a starting place on where is the title and who had it.

As for the miles they most likely "Rolled Back" the odometer on paper because CAC does not take cars with over 100,000 miles on them to loan money on. I know this for a fact because I told my bosses that I didn't want to deal with CAC because they "screw" people that are trying to build credit. It usually costs the dealer about $500-1000 for CAC to "buy" the paper. And if they rolled back the odometer they could be in trouble with the Federal Trade Commission.

Under Federal law an accurate mileage on the car must be maintained until the car is 10 years old, so if the car is newer than 1996 you have a claim to against the dealer also. I would call the Bureau of Motor Vehicles and make a claim against the dealer to get the ball rolling. And diffently keep copies of everything they give you if they ask you to give copies back (make copies before you give them anything).