I did business with Wells Fargo Home Mortgage in 2 states, Iowa and Florida from 1985 until 2005, carrying a mortgage on my home.  The last 5 months I had the mortgage (I paid twice a month) I missed one of the bi-monthly payments in July.  I paid off the loan in full on December 3, 2005.  The company gave me a late report on 5 payments, July through December, even though December was paid on time.  In addition, I had a credit card with the company that was paid in full in December at the same time.  In July of 2006, my attorney for the closing in November 2005 called to ask me if I had received...