In 2001 I filled chapter 7 bancruptcy in Michigan. My home was excluded from the bancruptcy. I was told all that I had to do was keep making payments on the mortgage. I did that and did not have a problem, the mortgage company continued to report my payments to the credit report agencies and showed my account in good standing. However just this past September, ABN Amro (my mortgage was through them) combined with Citimortgage. Citimortgage stopped reporting my payments to the credit report agencies, refuses to allow me to access my account information on line as I had a bancruptcy, and now has reported my account as being delinquent to the credit report agencies. I have never been late for a payment and I have never missed a payment. They say it is due to the fact that the mortgage was not reaffirmed. I was told I did not have to reaffirm as the home was an exclusion. What can I do to fix this problem?

