<prompt> Human: I have a joint car loan with my ex-wife Who is supposed to be refinancing the car, but hasnt.She decided to stop paying on the car and also change all contact information on the account so I wouldnt be notified until my credit was hit with a missed payment, which caused my credit score to drop a whopping 90 POINTS! Granted, I should have been paying closer attention, but she had not ever stooped this low. I contacted the loan office who the joint car loan is through, and paid up to make the payments current, then explained that information on the account was changed without my permission. They first told me that they hadnt reported it to the credit bureaus, but after calling them back a day later, they said it has been reported and to contact the credit bureaus to submit a dispute. I contacted all three bureaus and put in disputes. I just received emails today saying that they had denied the disputes and are not taking off the delinquent mark on my credit. Here are the facts... Personal information was changed on the account to keep me from being informed about any late payments, so i received no notification, even by phone regarding this. Additionally, I have made all of the payments current now with the loan company, they have told me themselves that the missed payments were not my fault, and the credit bureaus are still denying resolving this. Im refinancing my house in a couple months after getting a home equity loan to finish the basement, and I will be unable to refinance if I cant get this fixed, I seriously need to know how to get this taken off, any ideas?  <response>: Youre being denied the dispute because its not a valid defense. The CRAs dont care about your personal life.Its your responsibility to make sure payments are made, no matter what the circumstances. 