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car totaled-not financed

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traded-in a vehicle on 03/21/01. car was totaled on 04/01/01. Dealership learned of this on 04/15/01 and at that time told me that I had not been financed, so the car was not mine. In fact, the salesman was at my home to repossess the vehicle when he learned that it was totaled. Never heard back from the dealership. Beginning of May, requested a copy of my credit report and learned that I had been financed after the dealership learned of the accident, but the began charging interest from 03/21/01. I was never contacted and would have never known that I was financed, had I not requested a copy of my credit report. Now, the finance company is reflecting late payments on my credit report. I never signed anything with this finance company. The only papers that I signed were the generic finance papers at the dealer that only listed a payment option and not a finance company. I was financed through this company after they learned of the accident and after they were assured that the car would be paid off. I need help!!!!My credit is reflecting late payments and I cannot get another vehicle because of this--is this legal?

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