XXXX insurance sent a check to Bank of America after my fire, to be credited to my mortgage account and BAC Home loans cashed the check for {$42000.00} and never credited my account. Then they sold the loan to XXXX XXXX servicing who is now claiming I owe THEM the full amount of my original loan with BOA. Both companies destroyed my credit report and despite my having a copy of the canceled check, that BoA cashed, the credit bureaus wo n't correct the mistake and neither will BoA or XXXX. 
