Then you should not use mqtt.cfg anymore. This is for MQTTv1 (same with the MQTT Action Addon)
For MQTTv2 Read:
- smarthome/extensions/binding/org.eclipse.smarthome.binding.mqtt/README.md at master · eclipse-archived/smarthome · GitHub
- [CLOSED] MQTT binding version 2.4 (Pre-release !)
Also: read: How to ask a good question / Help Us Help You (you should have mentioned your OH2 and binding version in the first post
)