<prompt> Human: I appreciate any advice you might be able to give!My ex-husband and I divorced a few years ago. Despite on-time mortgage payments usually over the minimum amount as well for over a decade, the awful housing market meant that we were still upside-down on our mortgage. I stayed in the house after the divorce. As it became clear that we were looking at either a short sale or a foreclosure, I called Wells Fargo to find out what my options were. I was refused access to the account. Apparently some clerical error in the processing of our refinancing several years earlier had resulted in my name being removed from the mortgage altogether. WF absolutely REFUSED to even SPEAK with me about the mortgage. They did mail out a form that my ex-husband signed in order to allow WF to work with me, but when we mailed it back, it mysteriously was lost in the mail and was never processed by WF.Fast-forward about a year, and the house was sold in a short sale. My ex-husband had to sign all of the paperwork himself because WF still maintained that my name was nowhere on the account.EXCEPT... When I requested a copy of my credit report recently, I see that the short sale is indeed on MY credit report.I made MORE than a good-faith effort to work with WF to explore options for the house, but their refusal to work with me in any fashion, based on the fact that my name was allegedly not associated with the mortgage in any fashion, resulted in me having no options other than the short sale... which obviously should NOT be on my credit report, if WF really did not have my name on the account.How do I go about making my case, and to whom? THANK YOU!  <response>: Dispute, not my account 