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Reporting company used your report improperly. 15 U.S. Code Section 1681 S-2 Responsibilities of furnishers of information to consumer reporting agencies. Section ( F ) reporting information during XXXX pandemic ( i ) Definition in this subsection : ( I ) Accommodation The term " accommodation '' includes an agreement to defer XXXX or more payments, make a partial payment forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the XXXX XXXXXXXX. Covered period The term " Covered Period '' means the period beginning on XX/XX/year> and ending on the later of_ 120 days after XX/XX/year> ; or later or 120 days after the date on which the National Emergency concerning the novel XXXX XXXXXXXX ( XXXX ) outbreak decl