mortgage debt and credit file

Hi!! My husband is in bad situation with mortgage shortfall debt . The things went wrong and he has faced a claim against him. But I have got a question. If somebody has got a mortgage account it must be shown in the credit file. Am I right? If it is true I am wondering how they could have a claim as it is there is not any sign in his credit file. He has not got any problems to obtain a credits etc so far. Thanks

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