Good afternoon, I 'm in need of assistance. I 'm hoping you can see to it that this gets resolved. 

XXXX Bank had the second lien on my property located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX. The property went to foreclosure in XXXX. XXXX XXXX was the last reported date on my credit report revealing I was 120 days past due. This was my last time since negative. 

In early XXXX I discovered XXXX was reporting that I had a monthly obligation of {$23000.00} on this old debt. This was reflecting in my monthly DTI. I disputed this information through Experian in late XXXX XXXX when my Credit Score was XXXX. I have been rebuilding my credit since the foreclosure ( XXXX XXXX ) and imagined that this erroneously large monthly obligation 's removal would only help me. Instead, XXXX Bank eliminated the monthly obligation and updated the status to a charge off as of XXXX XXXX. 

Now my credit report says I have a RECENT LATE as of XXXX XXXX - but the last time I was late with payments was XXXX XXXX. Compass recent reporting of my charge off occurred in XXXX XXXX and their adherence to this date makes lenders and other affiliates assume I was recently late on my obligations. But as you can see on the evidence provided I was NOT late on any payments in XXXX XXXX. ( I have n't been late on any payments since XXXX XXXX. ) How could I be late on an account that has been closed since XXXX? XXXX wrote that the balance is past due as of XXXX XXXX but I was 120 days past due from XXXX XXXX. 

I was recently declined a mortgage because of this reporting. Even though the notes say the Charge Off will drop in XXXX suggesting it is an old charge off their reporting is erroneous and inaccurate and make it appear that this is recent. 

Per Experian my Time Since Negative is XXXX years ( point one years ). Please help. I have n't been late since XXXX and it is all related to the foreclosure. 

Please help. The Time Since Negative is completely inaccurate. Please remove the negative date and have it report accurately to reflect that the time I was last negative was XXXX XXXX. 

Thank you kindly. 

XXXX XXXX