<prompt> Human: My husband and I bought our first home in April of this year. We mortgaged about 250,000 altogether. I had been very conscious of our credit score prior to purchasing the house, but after closing I saw that my credit score took a huge hit. I ordered my annual credit report and saw that on my Equifax report, my 1 mortgage is listed twice as 2 separate mortgages with 2 separate amounts one is clearly one mortgage payment lower than the other. Our mortgage was initially with loanDepot and sold to Cenlar Administration after one month.I submitted a form on Equifax to file a credit dispute. I received a ticket number and an order completion date of one month from the request. After a month and a half, I got an email saying my inquiry was reviewed and no action would be taken.Then I googled the topic and read online that it could be an error in transferring the mortgage balance once the loan was sold and that I should contact the original lender. I did, they told me they couldnt do anything about it and it was my new lenders fault.I called my current mortgage company and explained the dispute. The customer service rep assured me it would be resolved and Id receive confirmation in the mail. About a month later I got a letter stating that I would need to order and mail a credit report to the lender if I wanted them to investigate. I called the company to ask if they would reimburse for the cost to reorder my credit report since my free one that I initially ordered like 4 months ago has expired and they told me they would call me back. I havent heard back in about a week.How can I get this resolved without having to shoulder the costs of ordering or sending a new credit report? I am a little frustrated that I had to waste my free annual report tracking down fraudulent information and I still have no idea how to resolve it. Any advice would be greatly appreciated!Edit: I guess I should clarify: my concern is not that the mortgage was transferred, I know thats common. My credit report literally says that I have 2 mortgages for a total of 500k, which is twice what my actual mortgage is. I have a hard time believing that its not affecting my credit score because my credit report now lists my debt to income ratio at 98.I have already filed a dispute with Equifax and it took them over 30 days to close the dispute without correcting the problem.  <response>: I am a little frustrated that I had to waste my free annual report tracking down fraudulent information and I still have no idea how to resolve it.Isnt this one of the main points for having the free annual credit reports? 