Repossession of car I have never owned

by Michael

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

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.

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