Is it legal for repo people to call someone who is just a reference using family members phone numbers on the caller ID so you'll answer?

Again, can you PROVE they were NOT at your relatives home when they called?? IF so, call a local attorney ASAP for state/case specific legal advice. No it is not legal and that very well may be a federal crime.You need to sue the bank not the repo you can sue under the Fair Credit law .If you ask them to stop calling you they must.The above poster is wrong he is a repo guy who defends repo morons no matter what they do!