Bank of America Mortgage Complaint

Bank of America Mortgage department,

Conventional adjustable mortgage (ARM) Credit decision / Underwriting California

My issue is the ongoing negative derogatory impact on my credit report, over and over again I have been denied credit loans and refinance options because my mortgage loan servicer is still reporting Qty : 19 Missed payments for BofA - - # -, even though the Account was " Paid and Closed '' on - 2012 ( 43 Months Ago ). An additional Qty : 7 Missed Payments are showing on BofA Loan - # -, where a home loan modification agreement was reached to get this account back to current/favorable status. Loan - qualified and was " Paid and Closed '' on - 2012 ( 43 Months Ago ), under the fraudulent loan provision of the National Mortgage Settlement, Which by law allowed me to claim tax exemption for the loan debt forgiveness under the Mortgage Forgiveness Debt Relief Act and seek credit repair for improper loan servicing practices. Loan - was also renegotiated thru a loan Modification.