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Investigation took more than 30 days. My finances were severely effected by the COVID- 19 pandemic. I was furloughed from my job and went on unemployment. However, due to a large amount of fraudulent cases hitting the unemployment system, my payments were placed on hold for months until the Department of Unemployment could get to my case and verify my identity. This left me with no type of income for 16 weeks. I applied and did receive a COVID forbearance. However, the company only offered a 30 day forbearance. After 30 days, I was still unable to make a payment because I still did not have any income. XXXX XXXX reported my account 60 days late to the credit bureau. This dropped my score 89 points. On XX/XX/XXXX, I made a payment of {$160.00} to bring my account current. I then rea