When I separated from my ex-husband in XXXX XX/XX/XXXX we agreed that he would take the house and transfer it into his name. In XXXX XX/XX/XXXX I received a late notice from U.S. Bank that stated the mortgage payment had not been made. I went to the house and discovered that my ex-husband had moved out and destroyed the property. I informed the mortgage company, U.S. Bank, in XXXX XX/XX/XXXX that I was no longer able to make the mortgage payments and the house was vacant. I informed them that I will not contest the foreclosure, I just need it to be completed ASAP so the time can start to run on my credit report. The foreclosure is still not complete even though I have called U.S. Bank several times and told them to take the house out of my name. They could not provide me with an explanation as to why the foreclosure has not been completed or what the delay is. I have just been informed that the mortgage loan is still showing on my credit report as an open account that is not being paid. Due to the U.S. Bank 's delays my credit score has dropped over XXXX points and continues to drop every month. I understand that because of the foreclosure my credit was going to be hurt, but this is ridiculous. An uncontested foreclosure usually takes an average of 120 days. The foreclosure on my home has now taken over XXXX days due to unknown delays. 
