Is your lender a local lender or a large, national company? Have you tried calling your lender and specifically asking for a letter of explanation? Is your credit being affected negatively on one national credit service or is it multiple?
As previously mentioned, a real estate attorney could assist you easily, but it might cost a bit. If refinancing your current mortgage would be financially beneficial I would suggest shopping for competent mortgage lenders that would care enough to assist you in clearly up your credit score. Many local lenders around here offer credit score assistance to help discern themselves from larger, national lending companies. If you happened to find a lender was good at what they do, and actually cares about heir clients, you might be surprised how they can help in poor credit situations...
Since it has been a while since your question was asked we would love an update on any additional information you discovered.
We do welcome anyone else who has more info on this topic to chime in.