This is a common error I have encountered with loan servicers. Sometimes the only way to get their attention is do what my colleague suggested and file a lawsuit. You may also just employ an attorney to send a letter on your behalf and that may get the ball rolling.
The Servicers appear to go by their version of the Golden Rule; he who has the gold rules. If you are confident in your numbers, you can file a lawsuit for Declaratory Relief asking the Court to Order them to fix their accounting errors and correct the public reporting. You just really need to make sure you are correct on the accounting because more likely than not the prevailing party will get an award of attorneys fees.
Kevin A. Spainhour, Esq. Spainhour Law Group www.slglawyer.com.