Ok here is a similar thread - the member had a repo with no notices...
I'm pasting the link from about the middle of the thread but it's the post where I give him links and info to the letters you use for a repo deficiency....
Illegal to delete debt from reports?
That will give you some "light" reading to do..
Let me know if you have any questions and I will do my best to help.
ETA: I just saw your edit.....and yes you are correct. If there is no deficiency balance owed, it should not be on your CRs.
