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Account status incorrect. I am disputing several 90-day late payments that have been reported across four different student loan accounts for the same underlying obligation. These late payments are inaccurately reported and should not appear on my credit report. During the time in question : My loans were placed in forbearance, which should retroactively protect me from delinquency reporting. My loan servicer was changed, and the new servicer had incorrect contact information for me ( address, email, etc. ), so I did not receive their communications. The same delinquency has been duplicated across four separate tradelines, causing excessive and inaccurate damage to my credit history. I, along with millions of borrowers, was under the impression my loans would be forgiven under