Had a foreclosure on a property in XX/XX/XXXX which included my XXXX and XXXX with XXXX XXXX XXXX. We were released from any further action or collection at that time from the relief issued at that time to mortgage holders. The house was sold and they recouped almost all of their money. Either way the accounts should have been marked as foreclosure and stopped reporting. Then XXXX XXXX XXXX started trying to collect on the XXXX mortgage even though the lien was released and they were done collecting supposedly. To date they are still reporting on credit, as a Mortgage account which it can not be because the house was given XX/XX/XXXX yet Experian is still showing it as 120 days late as of XX/XX/XXXX and has been reporting it this way and ruining my credit since XX/XX/XXXX. I have challenged it with Experian and they have verified that is reporting properly, I have asked for the note that shows I still owe it if the property is foreclosed on and they will not respond or produce any validation information. Then they transfered it to a company name XXXX that has also been trying to collect it from me and we have even tried to pay them to get it to go away. Either way the are both reporting at the same time n my credit, I dont owe and shouldnt owe either of them and they are hurting my credit and I am unable to get any relief after disputing the misreporting with Experian and XXXX for XXXX and then again Experian for XXXX XXXX XXXX. I have read about my rights and this is a clear violation of FCRA and they are liable for hurting my credit and keeping me from reestablishing my credit and buying a home. Please help enforce this and keep them from hurting my credit any longer. I have uploaded the most recent credit report from the mortgage company that said I dont qualify and only because of these reporting accounts. I have also attached the response from Experian. I tried to challenge them again asking for validation and they sent me a notice saying I can dispute any longer as well. I have attached that as well. Please help. 
