Since as far as I know nobody has done it yet, I created the 'Real WRC names' mod for Colin McRae Rally 2005. It edits just two files and works for Championship mode only. Now you can race against Loeb or Solberg, if you want.
Who is included?
P Solberg nor Subaru
M Martin eng Peugeot
T Gardemeister fin Ford
S Loeb fra Citroen
C Atkinson aus Subaru
M Gronholm fin Peugeot
H Rovanpera fin Mitsubishi
G Panizzi fra Mitsubishi
F Duval fra Citroen
G Galli ita Mitsubishi
R Kresta cze Ford
J Tuohino fin Skoda
S Sarrazin fra Subaru
A Schwarz deu Skoda
J Paasonen fin Skoda
All drivers should have correct nationalities (except for Martin, as Estonian is not featured in the game) and teams. Let me know if you find errors. One of the drivers will be replaced by Colin McRae (that is - you). Skoda is not included in the original game so I added it (replacing VW Golf) but you cannot select Skoda to drive. The side-effect of this is that Golf is renamed to SKoda Fabia also in the Challenge and Career modes.
Installation: Copy the FourWhl.dat to \Colin McRae Rally 2005\data\Drivers and carsmisc.csv to \Colin McRae Rally 2005\data\Settings\cars. Remember to backup the original files first!!!