ERRO unexpected element (uri:"http://ecommerce.cbmp.com.br", local:"erro")

<?xml version="1.0" encoding="ISO-8859-1"?>
<transacao id="1" versao="1.1.1" xmlns="http://ecommerce.cbmp.com.br">
  <tid>1dfg006217FA0dfg01</tid>
  <pan>4WLjClpMHfgfdgRwGuF4SaT4OxE=</pan>
  <dados-pedido>
    <numero>1</numero>
    <valor>1</valor>
    <moeda>986</moeda>
    <data-hora>2011-08-12T10:23:30.599-02:00</data-hora>
    <idioma>PT</idioma>
  </dados-pedido>
  <forma-pagamento>
    <bandeira>visa</bandeira>
    <produto>A</produto>
    <parcelas>1</parcelas>
  </forma-pagamento>
  <status>0</status>
  <url-autenticacao>https://qasecommerce.cielo.com.br/web/index.cbmp?id=82f42bd5646545f6bcef58de4f74</url-autenticacao>
</transacao>

private Retorno criarRetorno(InputStream xml) throws JAXBException{  
    System.out.println("criarRetorno");  
  
    JAXBContext context = JAXBContext.newInstance(Retorno.class);  
    Unmarshaller unmarshaller = context.createUnmarshaller();  
    JAXBElement<? extends Retorno> element = (JAXBElement<? extends Retorno>) unmarshaller.unmarshal(xml);  
    Retorno retorno = element.getValue();  
    return retorno;  
}

ERRO unexpected element (uri:"http://ecommerce.cbmp.com.br", local:"erro"). Expected elements are (none)
javax.xml.bind.UnmarshalException: unexpected element (uri:"http://ecommerce.cbmp.com.br", local:"transacao"). Expected elements are (none)
	at com.sun.xml.bind.v2.runtime.unmarshaller.UnmarshallingContext.handleEvent(UnmarshallingContext.java:609)
	at com.sun.xml.bind.v2.runtime.unmarshaller.Loader.reportError(Loader.java:244)
	at com.sun.xml.bind.v2.runtime.unmarshaller.Loader.reportError(Loader.java:239)
	at com.sun.xml.bind.v2.runtime.unmarshaller.Loader.reportUnexpectedChildElement(Loader.java:116)
	at com.sun.xml.bind.v2.runtime.unmarshaller.UnmarshallingContext$DefaultRootLoader.childElement(UnmarshallingContext.java:1015)
	at com.sun.xml.bind.v2.runtime.unmarshaller.UnmarshallingContext._startElement(UnmarshallingContext.java:452)
	at com.sun.xml.bind.v2.runtime.unmarshaller.UnmarshallingContext.startElement(UnmarshallingContext.java:433)
	at com.sun.xml.bind.v2.runtime.unmarshaller.SAXConnector.startElement(SAXConnector.java:137)
	at com.sun.org.apache.xerces.internal.parsers.AbstractSAXParser.startElement(AbstractSAXParser.java:501)
	at com.sun.org.apache.xerces.internal.impl.dtd.XMLDTDValidator.startElement(XMLDTDValidator.java:767)
	at com.sun.org.apache.xerces.internal.impl.XMLDocumentFragmentScannerImpl.scanStartElement(XMLDocumentFragmentScannerImpl.java:1359)
	at com.sun.org.apache.xerces.internal.impl.XMLDocumentScannerImpl$ContentDriver.scanRootElementHook(XMLDocumentScannerImpl.java:1316)
	at com.sun.org.apache.xerces.internal.impl.XMLDocumentFragmentScannerImpl$FragmentContentDriver.next(XMLDocumentFragmentScannerImpl.java:3095)
	at com.sun.org.apache.xerces.internal.impl.XMLDocumentScannerImpl$PrologDriver.next(XMLDocumentScannerImpl.java:921)
	at com.sun.org.apache.xerces.internal.impl.XMLDocumentScannerImpl.next(XMLDocumentScannerImpl.java:648)
	at com.sun.org.apache.xerces.internal.impl.XMLDocumentFragmentScannerImpl.scanDocument(XMLDocumentFragmentScannerImpl.java:510)
	at com.sun.org.apache.xerces.internal.parsers.XML11Configuration.parse(XML11Configuration.java:807)
	at com.sun.org.apache.xerces.internal.parsers.XML11Configuration.parse(XML11Configuration.java:737)
	at com.sun.org.apache.xerces.internal.parsers.XMLParser.parse(XMLParser.java:107)
	at com.sun.org.apache.xerces.internal.parsers.AbstractSAXParser.parse(AbstractSAXParser.java:1205)
	at com.sun.org.apache.xerces.internal.jaxp.SAXParserImpl$JAXPSAXParser.parse(SAXParserImpl.java:522)
	at weblogic.xml.jaxp.WebLogicXMLReader.parse(WebLogicXMLReader.java:133)
	at weblogic.xml.jaxp.RegistryXMLReader.parse(RegistryXMLReader.java:173)
	at com.sun.xml.bind.v2.runtime.unmarshaller.UnmarshallerImpl.unmarshal0(UnmarshallerImpl.java:211)
	at com.sun.xml.bind.v2.runtime.unmarshaller.UnmarshallerImpl.unmarshal(UnmarshallerImpl.java:184)
	at javax.xml.bind.helpers.AbstractUnmarshallerImpl.unmarshal(AbstractUnmarshallerImpl.java:120)
	at javax.xml.bind.helpers.AbstractUnmarshallerImpl.unmarshal(AbstractUnmarshallerImpl.java:103)
	at com.accurate.acec.payment.gateway.CieloPagadorUtil.criarRetorno(CieloPagadorUtil.java:225)
	at com.accurate.acec.payment.gateway.CieloPagadorUtil.enviar(CieloPagadorUtil.java:318)
	at com.accurate.acec.payment.gateway.CieloPagadorUtil.createTransaction(CieloPagadorUtil.java:106)
	at com.accurate.acec.webservices.services.CieloWebServicesImpl.createTransaction(CieloWebServicesImpl.java:37)
	at sun.reflect.NativeMethodAccessorImpl.invoke0(Native Method)
	at sun.reflect.NativeMethodAccessorImpl.invoke(NativeMethodAccessorImpl.java:39)
	at sun.reflect.DelegatingMethodAccessorImpl.invoke(DelegatingMethodAccessorImpl.java:25)
	at java.lang.reflect.Method.invoke(Method.java:597)
	at weblogic.wsee.jaxws.WLSInstanceResolver$WLSInvoker.invoke(WLSInstanceResolver.java:101)
	at weblogic.wsee.jaxws.WLSInstanceResolver$WLSInvoker.invoke(WLSInstanceResolver.java:83)
	at com.sun.xml.ws.server.InvokerTube$2.invoke(InvokerTube.java:152)
	at com.sun.xml.ws.server.sei.EndpointMethodHandler.invoke(EndpointMethodHandler.java:264)
	at com.sun.xml.ws.server.sei.SEIInvokerTube.processRequest(SEIInvokerTube.java:93)
	at com.sun.xml.ws.api.pipe.Fiber.__doRun(Fiber.java:604)
	at com.sun.xml.ws.api.pipe.Fiber._doRun(Fiber.java:563)
	at com.sun.xml.ws.api.pipe.Fiber.doRun(Fiber.java:548)
	at com.sun.xml.ws.api.pipe.Fiber.runSync(Fiber.java:445)
	at com.sun.xml.ws.server.WSEndpointImpl$2.process(WSEndpointImpl.java:249)
	at com.sun.xml.ws.transport.http.HttpAdapter$HttpToolkit.handle(HttpAdapter.java:453)
	at com.sun.xml.ws.transport.http.HttpAdapter.handle(HttpAdapter.java:250)
	at com.sun.xml.ws.transport.http.servlet.ServletAdapter.handle(ServletAdapter.java:140)
	at weblogic.wsee.jaxws.HttpServletAdapter$AuthorizedInvoke.run(HttpServletAdapter.java:298)
	at weblogic.wsee.jaxws.HttpServletAdapter.post(HttpServletAdapter.java:211)
	at weblogic.wsee.jaxws.JAXWSServlet.doPost(JAXWSServlet.java:297)
	at javax.servlet.http.HttpServlet.service(HttpServlet.java:727)
	at weblogic.wsee.jaxws.JAXWSServlet.service(JAXWSServlet.java:87)
	at javax.servlet.http.HttpServlet.service(HttpServlet.java:820)
	at weblogic.servlet.internal.StubSecurityHelper$ServletServiceAction.run(StubSecurityHelper.java:227)
	at weblogic.servlet.internal.StubSecurityHelper.invokeServlet(StubSecurityHelper.java:125)
	at weblogic.servlet.internal.ServletStubImpl.execute(ServletStubImpl.java:292)
	at weblogic.servlet.internal.TailFilter.doFilter(TailFilter.java:26)
	at weblogic.servlet.internal.FilterChainImpl.doFilter(FilterChainImpl.java:56)
	at com.accurate.acec.store.StoreIdFilter.doFilter(StoreIdFilter.java:54)
	at weblogic.servlet.internal.FilterChainImpl.doFilter(FilterChainImpl.java:56)
	at weblogic.servlet.internal.WebAppServletContext$ServletInvocationAction.run(WebAppServletContext.java:3588)
	at weblogic.security.acl.internal.AuthenticatedSubject.doAs(AuthenticatedSubject.java:321)
	at weblogic.security.service.SecurityManager.runAs(SecurityManager.java:121)
	at weblogic.servlet.internal.WebAppServletContext.securedExecute(WebAppServletContext.java:2200)
	at weblogic.servlet.internal.WebAppServletContext.execute(WebAppServletContext.java:2106)
	at weblogic.servlet.internal.ServletRequestImpl.run(ServletRequestImpl.java:1428)
	at weblogic.work.ExecuteThread.execute(ExecuteThread.java:201)
	at weblogic.work.ExecuteThread.run(ExecuteThread.java:173)