I have a 2 different mortgage companies reporting the same information on my tri-merge credit report (AMC Mortgage services and Citi Residential) with the same mortgage account number and open date (March 2006). The difference is that the loan was originally serviced by AMC Mortgage and then lost it in foreclosure, then Citi Residential took over. Citi Residential date of last activity was July 2007 and AMC was May 2007. My issue is that Citi Residential who last had the loan is not reporting a balance due, monthly payment or past due amount; AMC on the other hand is reporting a balance due, montly payment and past due amount. This is affecting how all three bureaus report my debt to income ratio. Any suggestions?I received I.R.S Form 1099-A, Acquisition or Abandonment of Secured Property, from Citi Residential in 2008 for said mortgage.