I have been current on my 1st mortgage for years. However, my 2nd mortgage, which was initially included in a bankruptcy in XXXX, resurfaced demanding payment. I questioned the lender to no resolve. Eventually it was charged-off and sold to a debt collection agency. They tacked on additional fee 's almost doubling the original {$12000.00} debt. Again, questions and back & forth but no resolve, so the new higher amount was charged-off and sold once again. This new debt grew again, and I questioned and disagreed, so once again it was charged-off and sold yet again. But little did I know, it was also listed as a " Short-sale - with multiple late 's '' on the XXXX Originator database, then charged-off and sold. Finally after this last sale, the debt had reached almost 3 times the original amount. I was finally able to negotiate and the debt to have it settled for less than the original amount paying the final agreed upon amount officially closing out the debt. Now, I discover, that XXXX of the debtors, listed the debt as a " Short-sale Mortgage '' in XXXX XXXX ; only after I had made an offer on a property and in Escrow. This never showed up on any of my credit reports. ( This was extremely disheartening to XXXX, after months of house hunting ). My Realtor informed me that I would have to wait " 2 years '' to be able to purchase a property, and I had to withdraw my offer and cancel the escrow. This feels like unfair practice and deceptive bargaining. I am only requesting that this " Short-sale with multiple late 's! '' be removed from my Escrow investigation XXXX XXXX XXXX XXXX or any other Escrow tool now, rather than me wait for 2 years being penalized for this method of doing business. 
