Product: Credit reporting or other personal consumer reports

Back in XX/XX/2023 I called specialized loan servicing and advised them that I had lost my job and is there anything that they could do to do a deferment? They had told me at that time now I said OK. I had no sufficient funds in XXXX and XXXX due to when they tried to take out the payment. I have never missed a payment with them. In XXXX, they tried to take money out of my account again, and it came back as no sufficient funds per their policy, which I was not aware of at the time that if you get your third sufficient funds, you have to pay them by cashiers check. When I called in to SLS because I realized that the money did not come out of my account and it was showing that I wasnt due until XXXX XXXX and I was confused. The woman on the phone told me that I had made my payment when I had advised her that the payment did not come out of my account, she told me to go ahead and make a payment online, which I did at the same day they sent me out a letter which I did not get for a week later saying that I was no longer able to make payments online and that I had to send them by cashiers check. I told them I was not able to send a cashiers check until they reversed my money they had taken in XXXX and send it back to me so I can send them a cashiers check. They took two weeks from the time they took the money out of my account to send me the money back. At this time, it was now XXXX. They reported me to the credit bureau in XXXX, which was false because I did make the payment which they withheld for two weeks before returning. I had to have endless amount of phone calls further to be a resolution made which they reversed the Miss payment in XXXX as current. Hi then cut them two checks that are mailed directly from my bank one on XX/XX/XXXX and one on XX/XX/XXXX. Both checks were mailed directly from my bank. They cashed the first check that was cut on XX/XX/XXXX and applied it to my XXXX payment. They still have not cashed the check from XXXX. I have called sent messages and emailed proof that I cut both checks at the same time and that they are directly mailed from my bank at no time they asked me did they even look into it? Did they have any empathy. They keep continuing to close my messages in my portal, saying that the issue was fixed when it was not. I am sending them {$700.00} checks which is more than my monthly payment to cover any late fees that they continuously try to charge me when Im not late. They now have reported me late for my XXXX payment when they were paid for XXXX numbers of times have I asked them do I need to send my XXXX payment again. They never told me they never tried to look into where the check might have went. I just sent them another {$700.00} check for XXXX. I am trying to get a loan to be able to sell my home and get rid of my second mortgage. They are falsely reporting that I have not paid because of their error and no avail can I get anybody confident on the phone to do their job and actually look into what they are asking me to do. I have never missed a payment. I emailed them the information that they have requested and received a letter on XX/XX/XXXX that was dated XX/XX/XXXX, saying that they are looking into it and it was going to take the allotted amount of days that the state allows is 30 days. So they chose to report me to the credit bureau while they are looking into my allegations of them, losing a check when I have submitted proof. This is my first step to getting a resolution before submitting a lawsuit with the state of New Jersey.