So call the bank back twice, and they assure me that I am not a co-signor or in any way associated with that account, but instead of just saying, Sorry, we'll fix it right away, they say I must formally dispute it, mail in credit report with full account number (Thankfully, my lender gave it to me as the annual one only lists partial numbers.) and documentation?

If they don't, well rest assured knowing that it wouldn't have worked out anyway!

(Thank God For Gulley).Also, Lending is not the same as setting up a hotdog stand.Having been through plenty of baseless lawsuits made by faceless people, I can assure you that lending privately without benefit of knowledge, license or entity is pretty high risk activity.

that's a paperwork nightmare which i can assure you leads to the pitching of rookie offers..you may never get a response....if you don't think you are being taken seriously or aren't getting return calls....ASK FOR A WRITTEN OFFER RESPONSE!

But @Jay Hinrichs just assured me above that agents don't find properties for buyers and haven't done so for decades?

If they are active, rest assured you are not alone.

Perhaps you're an expert at determining how to turn $17,500 into $50,000 of value, but I assure you that not everyone else is. 

It's a bit paranoid, but I am looking for some assurance from people with experience.

If not, I was assured I'll get a full refund. 

You need to determine if the company has systems and processes that assure their quality.