Our XXXX loan was sold to Carrington Mortgage Services. After two months, they said we could get into a program to reduce our indebtedness on our home since we were underwater. Carrington then sold the loan to XXXX XXXX for approximate value of our house. Carrington was paid in full for the loan yet they reported that we short sold the loan. Since we still live in the house, this is impossible. Senator XXXX XXXX 's office has stated that we were not in any Nevada home refinance program. Note that Carrington purchased the loan in XXXX 2014 and sold it in XXXX of 2014. The report on our credit prevents us from obtaining lower interest in a refinance for three years. 

Note also that we never signed any paperwork with Carrington 
