My question involves collection proceedings in the State of: Texas
This is regarding a 2nd mortgage I took in 3/2000 in the state of Maryland for the purpose of home improvement. The loan was sold a few times, eventually ended up with Shellpoint. A foreclosure in 2011 did not cover any of the 2nd mortgage. The last payment I made was in January, 2010, about a year before the foreclosure.
This account is reporting as Active with a most recent missed payment date of 30 days. At least one credit report agency incorrectly lists Shellpoint as the mortgage originator.
I believe this account was charged off, but as stated it is reporting as Active (and is destroying my credit as a result). I don't have a 1099 from them, and they haven't contacted me in years.
I've disputed the debt with all three agencies, and no change. Is there any way to prove that the account is closed, in order to keep my report from showing "most recent missed payment" at 0-30 days?
Thanks for your help.

