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Their investigation did not fix an error on your report. On XX/XX/XXXX, I received correspondence from XXXX XXXX XXXX servicing that my Department of Education Loan ( account ending in XXXX ) was subject to Cares Act forbearance during which I would not need to make payments and no late reporting would be made to Credit Bureaus ( see Cares Act notice ). On XX/XX/XXXX, I paid off my Department Of Education loan in full ( see Paid in Full letter ). According to my Payment History with XXXX ( see Payment History ), the forbearance period for my loan ended in XX/XX/XXXX. Subsequently, late payments and delinquencies were reported to credit bureaus when loan payments were not made between XX/XX/XXXX and XX/XX/XXXX ; the account was marked 90 days late ( see Equifax XXXX, XXXX account su