Repossession of car I have never owned
A representative for a repo company came to my house several times and demanded to know where I was. Turns out that they were repoing a car used as collateral in a title loan. The car they were looking for was registered to a different individual with the same name as mine. Once contacted by phone, the repo guy was demanding that I give up the vehicle even after I told him they had the wrong person. He said that they had the right person and address (mine) and I had to go to great lengths to even get the person to identify the original lender. I suggested that this might be identity theft and he was very disbelieving. I later found out today that the original lender, in their skip tracing attempts, only used a name index so they were going after me because I had the same name. I have aleady filed a police report for ID theft (or mistaken identity), Should I contact the FTC and my attorney general as well?
Reply from DebtCollectionAnswers.com:
If your question is whether you should file a complaint against the repo company with those agencies, the answer is yes. It's up to you but you can also talk with a consumer law attorney with experience in debt collection cases, or call the Collection Complaint Hotline at 888-711-5183 for a free, confidential case evaluation. If the agency broke the law in their efforts to collect from you, you may be entitled to damages and your attorney fees.
Click here to post comments
Return to Debt Not Mine.
Learn how debt collection laws can help you!
This website does not provide legal advice.
All information is for educational purposes only.
Copyright 2007 - 2016 by Mary Reed and Gerri Detweiler.
All rights reserved.