I had a second mortgage with RBC account # XXXX. This was settled for less than the original amount XX/XX/XXXX. It is being reported on my credit as a " charge off ''. This is preventing us from getting a mortgage. I was told by PNC to submit the following information : the dismissal from RBC, the page of my credit report where the error appears, the bureau reporting as a charge off, and a brief description, referencing the RBC account number of what happened. I was under the impression that by law, they had to respond to me in 30 days. They signed for the letter sent via priority mail XX/XX/XXXX. I called on XXXX when I had not heard anything. I was told by someone in the XXXX that they were working on it, and to call back once the 30 days had passed. I phoned the XXXX XXXX XXXX today, XX/XX/XXXX and spoke with a man named XXXX XXXX. He transferred me to " Consumer Services '' ( a nice word for collections ). They told me to call XXXX, who is a collection agency that called me immediately after I sent in my request to have information corrected on my credit report. Once I sent them the documentation I had submitted to PNC, they did not call me again. I declined the suggestion of the agent in collections to call XXXX, and instead called back to the XXXX '', where I spoke with a woman named XXXX XXXX. She indicated to me that they would send me a response. I told her they have to do that within 30 days by law, and that deadline had passed. I told her I was submitting a complaint to the CFPB because we are trying to get a mortgage and are unable to because of this. I asked her to add that to the notes on our file. She agreed to do so.