What can I do if a paid-off mortgage still appears on my credit report?
Short answer
File a dispute with the credit bureaus about the error. The CFPB also says you can submit a complaint to the Bureau, which can connect you to a HUD-approved housing counselor. This explanation does not describe bureau investigation deadlines or servicer reporting steps.
Full explanation
If a mortgage you have paid off still shows as open, the CFPB's published first step is to dispute the listing with the credit bureaus.
You can also file a CFPB complaint online or by calling (855) 411-CFPB (2372). That complaint channel can connect you to a HUD-approved housing counselor.
This explanation does not state how long a bureau has to investigate, how a servicer should report a payoff, or whether you must contact the servicer first. Those steps are not added here.
Sources reviewed
I paid off my mortgage but it is still listed on my credit report as outstanding. What can I do?
Last reviewed
September 10, 2026