Business ProfileforLiberty One Credit Union

I purchase autos (Solstice and ********* and receive financing from LibertyOne FCU, I paid off the Solstice but not the ******** due to a personal financial hardship and being without a job due to illness during the pandemic (COVID). I communicated with both the President and VP (located in *********/****** **), asking them to release the title of the Solstice that was paid off, so that I could sell it and take the money to help pay off the ******** but the President ****** refused. They will not release my clear title for the Solstice I paid off and then they charged-off the ******** and is holding the title for that car also! The President ****** emailed me in January 2024 telling me to send them $10k + if I want the titles. The President **** and Liberty One FCU are also clearly in violation of the Fair Credit Reporting Act. They neither accurately nor fairly reported my account to the ********************** Bureaus, now they have ruined my credit score and still holding my auto titles hostage. I cant do anything with either vehicle now, and the ******** was stolen and I have no proof of ownership. Because it has been over 4 years since the first missed payment on the ******** and charged-off, it is also now past the *********** Statute of Limitations of a fair/collectible debt; Yet they refuse to release my titles and are trying to still collect money on a debt they charged off for the ******** which I no longer have.