In XXXX, my ex-wife and I finalized our divorce. In the divorce filing she fully relinquished all interest in our home to me. At the time our home was in the negative and had no equity. Our home had a 1st and 2nd mortgage with XXXX. Because of the divorce and reduced income I could not afford the payments and the home went into foreclosure. 

In XXXX, my ex-wife filed and received a chapter XXXX discharged bankruptcy which included her interest in the 1st and 2nd home loans. 

In XXXX XXXX, I received a " Cancellation of Debt '' IRS XXXX from the 2nd XXXX on the house, which was no longer from XXXX, but now held by " Greentree Servicing. '' The XXXX was for {$72000.00} I filed XXXX in my XXXX income taxes. I checked my credit reports and all XXXX bureaus reported that I was in arrears in the XXXX XXXX loan. I wrote XXXX letters to Greentree about the XXXX and the fact that it was being reported as being " late payments. '' Greentree wrote back to me and indicated they had no record for me having a loan with them even though, I had provided my SSN and account number. This scenario went on for many months. 

In XXXX, I reached an agreement and a loan modification on my 1st mortgage with XXXX and managed to keep my home. I currently reside in the same house. 

In XXXX, after I made several calls to Greentree, and after being told that they had no record of me, one of their representatives found my loan record. He advised that my loan could n't be found because it was a " Closed and Released '' file and that it was no longer considered collectable. I explained to the representative that there was negative reporting on my credit reports and an existing lien on file against my home by their firm. He promised me that it would be corrected. He said they would report that my account was closed and " charged off. '' He also told me that they would " XXXX '' the XXXX XXXX lien against the house since the debt was dismissed and I had already received an IRS XXXX in XXXX for the debt. 

As promised, Greentree did eventually stop the negative reporting on my credit reports. 

The existing problem and my complaint is that I checked with XXXX title companies and XXXX XXXX XXXX XXXX and Greentree has not removed the XXXX XXXX lien against my house and reconveyed the lien as promised. 

In the last month, I called Greentree in regards to this matter and they once again are telling me there is no record of me or the loan and therefore they can not reconvey the XXXX since they have no record of it and it basically does n't exist. 

I need your help in getting this XXXX XXXX lien removed/reconveyed against my house since that is what I was charged for in the XXXX - XXXX tax form and was promised by Greentree when they told me told the loan was " Closed and Released. '' 
