I have an " adverse '' account on my credit report with XXXX Mortgage Company and a claim of delinquency starting XXXX/XXXX/2014. 

They report a delinquency on XXXX/XXXX/2014 for failure to pay a mortgage payment in the month of XXXX ; however, I provided XXXX fully executed settlement documents and the deed to my home on XXXX/XXXX/2014 ( less than 30 days from the payment due date ). Per the IRS Form XXXX they issued to me, the fair market value of the home was {$250000.00} while I only owed them {$210000.00}. 

Based on the fact the mortgage was fully satisfied on XXXX/XXXX/2014, the delinquency in XXXX should be removed from my credit report and the account status should be changed to a satisfactory account across all three credit bureaus. 

In addition, Transunion 's credit report states, " Any rating that is shaded indicates that it is considered adverse. '' The shading starts at " 30 days late '' ; therefore, Transunion should have never allowed this account to be coded as adverse.