We have hired an attorney on XXXX XXXX to assist us in contacting Real Time Resolutions. As of XXXX/XXXX/XXXX Real Time Resolutions has not responded to any emails, phone calls or letters in regards to our closed account with them. 

The account was in relation to a mortgage loan associated with our XXXX home XXXX XXXX XXXX. 
Effective XXXX XXXX we no longer carried a mortgage on the home, as we voluntarily agreed to a forclosure. The original mortgage was an XXXX carried by XXXX XXXX XXXX XXXX. 
Not until after XXXX XXXX were we informed that we had a collections account active from Real Time Resolutions for the unsatisfied amount of the Home loan. 

Real Time Resolutions took the debt over after the sale of the forclosure to collect on the unsatisfied amount ( XXXX % ) which after the sale is considered an unsecured loan. 

Payment arrangement have never been made between us and real time resolutions at any time. We contacted them in XXXX XXXX and agreed on a settlement amount to close the collections account. It was then that we realized they have been reporting to the credit bureaus as late for every month up to XXXX XXXX as being XXXX days late. 
An earlier credit report shows a the correct labeling of the collection, but also reflects the incorrect late pay reportings. 
As of today in an attempt to be pre approved for a home loan we have been notified that the label of the account has recently changed to as a " mortgage account ''. 

We brought the matter to our current attorney, and he has informed us that the account has been mislabeled and should be labeled as an unsecured installment loan. We have been attempting to contact them since XXXX XXXX, XXXX at first for the incorrect reporting of late payments and now we are also facing an incorrect labeling of the account. 

Attached you will find the letter showing the settlement paid to Real Time Resolution, and County court docs supporting the sale of the home we no longer owned effective XXXX XXXX.