JPMorgan Chase Mortgage Complaint

JPMorgan Chase Mortgage department,

Conventional fixed mortgage Loan servicing, payments, escrow account Florida

I have a mortgage loan with Chase on a home with my partner since -/-/-. We got married in -/-/- but due to FL law we were not recognized until -/-/-. In - she filed for Chapter - Bankruptcy and the without my knowledge included the house in the filing. I have been making payments on the loan myself since -/-/-. During my mediation I pulled my credit report and realized my Chase Mortgage payments were not being reported. I did more research and found out that my spouce was removed from all financial repsonsibility for this loan. My problem with Chase is that during the entire year from -/-/- till present, my statements have not reflected any late payments or any missed payments. I learned that my loan was not paid for 2 months back in -/-/- and that I was being reported by Chase Mortgage on the transaction reports that I was late 60 days for 11 months. How is it possible that my credit does not report this, yet now that I am trying to purchase some income property it is being reported by Chase that I am late and therefore, I am being refused a loan for my investment? What rights do I have as a consumer to be notified when my loan is overdue or missed on payments? Every statement I received DID NOT reflect this. I am very upset this has affected my ability to move forward financially and that Chase is providing derogatory information that should not be reported. Chase has assumed no responsibility in their informing me of the late payments being recorded. I need help to clear my name and record up with Chase.