Mortgage Payments Under RESPA

I have a dispute with my Mortgage Servicing Company, they purchased forced insurance. After I proved to them that I had my own insurance they reinbursed my account. I continued making my original amount of mortgage payments the same amount that I paid before the forced Insurance was purchased. All the payments I made were deposited in the escrow and suspense accounts. Nothing was applied to interest or princapal.



My question is dose a lender have the right to report to the credit beareau non payment to escrow?



What is the order in which a lender must apply payments undr RESPA do they have the right to put the payments in Escrow or must it first be applied for interest?

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