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The good news, if there is any, is that the bank got screwed too. They actually own this title-less car until you complete paying the loan back. So they're on your side. Get them involved, and start screaming real loud to the Car Commission. I don't really know why you'd have to wait for the carfax history before doing that... Sounds to me like the sooner you notify the bank, the sooner you can get them in action resolving it.
Good Mr. robot is right, though--to keep them on your side, you should stay current on the loan until they tell you that you can do otherwise. If not, they're out on BOTH sides of the loan rather than just one, and you become their other enemy.
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