My wife and I filed and received a chapter XXXX bankruptcy in XXXX XXXX. We continued to pay Specialized Loan Servicing outside of the bankruptcy, however they refused to send monthly statements and they removed my ability to see my account on-line. In XXXX XXXX, we apparently failed to make the monthly payment, a complete oversight on our behalf. SLS then began showing that we were 30 days late, we were completely unaware, and they continued this until the discharge of the bankruptcy. They also, during this entire time, reported to the credit bureaus that we were paying on time, again making us believe everything was OK. Then suddenly when the discharge took place in XXXX XXXX, they updated all the credit bureaus to reflect that we had been 30 days late every month XXXX 48 months XXXX. We should have been shown 30 days late XXXX time in XXXX of XXXX ... XXXX time, but instead they decided to punish us and show us late for four years. In my opinion this was a willful act to blemish our credit and reputation. When we were notified of the oversight ( missing payment ) we made it good, along with fees, but this was not good enough for SLS. To me it is an unfair practice to not supply a statement to a customer and not allow them access to their account, but then you want to smear their credit when you do not receive a payment. 
