Fifth Third Bank Failed to report foreclosure claim to FHA for two years after foreclosure cinncinati, Ohio

Prior:Home was foreclosed on in 2009 due to a divorce. We tried loan modifications, short sales, ect with the lender but they wouldn't approve any of it. We even had a cash offer in hand but could never get them to return calls or emails. 
Home was sold in June of 2010, and we have the letter stating that. 

Current: Applying for a loan since it had been three years since foreclosure. Was told that HUD has on it's CAIVERS alert a claim date of 8/27/2011. Called HUD to give correct date of sale. Was told that the CAIVERS date was the date that the lender notified HUD to pay the claim on and that is the one they go by in determining when you are eligible for another loan. This puts me not eligiable until 8/28/2014. 

Why would it take a lender two years from foreclosure and over a year from sale date to report to HUD. Is there any legal action that can be taken against the lender? As I said, they were uncooperative from the start. Is there anything that can be done at this point? It is costing me a loan on a great home.