NHTSA Complaint #11642043 — 2011 SUBARU OUTBACK

In November 2023, I co-signed an auto loan to assist someone in securing a vehicle. However, I later discovered that my name was never placed on the title, leaving me financially liable for the loan while having no ownership or possession of the car. The individual has since failed to make any loan payments, and the bank applied lender-placed insurance (CPI) due to their failure to maintain coverage. Despite this, they continue to drive the vehicle. The New York DMV confirmed that their driver’s license and vehicle registration have been suspended due to lack of insurance, yet they have not surrendered their plates as required by law. Additionally, the vehicle was originally registered in Connecticut but later transferred to New York while using my Connecticut auto insurance policy without my consent. I was later contacted by my former insurance provider about an accident in which an unknown individual was operating the vehicle. After my insurance policy lapsed, the individual was involved in another accident while uninsured and attempted to file a claim despite having no coverage. This situation has raised serious concerns about the vehicle’s registration, insurance violations, and potential title issues that may require investigation. Given that the vehicle is still being driven despite no valid insurance, a suspended license, and an outstanding auto loan, I am seeking guidance on the appropriate steps to take.