I went through a divorce in 2009. With our bank I asked for a new account, which they did. We also had a line of credit that I wanted transferred in my name. Which I thought they did. Of all the time he ran his report, and I ran mine, he never showed up as a cosigner. I'm currently behind on payments. This has now been reported on him. The account number reported has a promissory note attached to our joint account number but not my account number. His name also has never shown up on my statements. He has disputed this with credit bureau and the bank said it was legit. I don't understand how this is legal.
You are mixing up a couple of concepts. It seems you are most concerned about the loan. It sounds like this was a joint obligation. Most creditors will not release a borrower from a loan unless they get something for it. How the bank tracks it internally with account numbers and how it may have been reported to credit bureaus will not impact the civil liability to repay the loan.
Perhaps you should take all your documents and consult with a lawyer who can go through the documents.
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