My first and second mortgage was through XXXX XXXX. We negotiated a short sale with them. They agreed to remove the balance on the first mortgage and close both the first mortgage and second mortgage and CHANGE THOSE STATUSES TO UNRATED. The first mortgage was properly notated but the second mortgage XXXX Account XXXX ) is reflecting a status of " Charged Off ''. I disputed this with the bureaus and they left the status the same. 

The three credit bureaus would have submitted this to XXXX XXXX. They would have sent back the dispute indicating that the charged off status is correct. This is contrary to the arrangement we had for the status after the charge off. The Fair Credit Reporting Act provides that the data furnisher has the same requirements for processing disputes and providing the correct data as the bureaus do ( FCRA section 623 XXXX a ) ( 1 XXXX ( A )