<prompt> Human: I was in a car accident that totaled my car, and: I had gap insurance which I used while continuing to make payments in order keep my account from delinquency. I never missed a payment or paid late. I have paperwork of my full payment history issued by the bank I needed it for the gap insurance. the account was mistakenly charged off AFTER I paid the loan in full.Ive spoken with numerous departments and supervisors, and the most Ive gotten is Ive never seen this happen before, this was a mistake. I will look into it for you, and get back to you within x number of business days. only to never receive any follow up. This has caused my credit score to drop significantly, and no one with the bank seems to give any fucks about fixing it. What can I do?  <response>: Contact the three credit bureaus here Youll need to contact each one individually and send in all the required documents to dispute it. It sucks but you need to do it for each bureau. 