Complaint sub-issue: Account status incorrect

I made two ( 2 ) XXXX XXXX XXXX XXXX XXXX dollar payments on or around XXXX XX/XX/XXXX. The XXXX billing system acknowledged my ACH authorizations. One was returned, and the other was posted on XXXX XX/XX/XXXXXXXX. I received a notification from the XXXX billing system that the ACH authorization for XXXX was returned NSF on or around XXXX XX/XX/XXXX. Nevertheless, my financial services company, XXXX, notified me that an ACH withdrawl had taken place on or around XXXX XX/XX/XXXX for oXXXX XXXX  ( XXXX ) dollars. This implies the ACH authorization for the other sub-account, XXXX was successful. With a monthly payment on XXXX of approximately XXXX ( XXXX ) dollars, the XXXX XXXX ( XXXX ) dollar payment covered at least two ( 2 ) months of payments. Because the account was due on the XXXX XXXX XXXX XXXX ) day of each month, that left the account delinquency status XXXX XXXX XXXX ) days past-due as of XXXX XX/XX/XXXXXXXX. On XXXX XX/XX/XXXX I requested a disaster forbearance to be applied to both XXXX and XXXX. It was granted on or around XXXX XX/XX/XXXXXXXX. According to a XXXX XXXX letter dated XXXX XX/XX/XXXXXXXX, forbearance were retroactively applied for each sub-account for three ( 3 ) consecutive months beginning from the time the loans entered repayment. However, XXXX was given an initial forbearance date of XXXX XX/XX/XXXXXXXX, while XXXX was given an initial forbearance date of XXXX XX/XX/XXXXXXXX. The XXXX sub-account allegedly exited the disaster forbearance on XXXX XXXX XXXX  with a payment due on XXXX XX/XX/XXXXXXXX. The XXXX sub-account allegedly exited the disaster forbearance on XXXX XXXX XXXX  with a payment due on XXXX XX/XX/XXXX XXXX. Both XXXX and XXXX were placed into a deferment between XXXX XX/XX/XXXXXXXX  and XXXX XX/XX/XXXX. During that time I received no periodic statements. The loans exited the deferment on or around XXXX XX/XX/XXXXXXXX. Around that same time I began receiving notices that XXXX would enter default if I did not make at least one ( 1 ) monthly payment before the last day of XXXX, XXXX XX/XX/XXXX. The due date for that billing cycle was XXXX XX/XX/XXXXXXXX. The account entered default on XXXX XX/XX/XXXX and was charged-off. The account was marked as delinquent by more than XXXX XXXX ( XXXX ) days at the beginning of XX/XX/XXXXXXXX  and was reported to the CRAs as such with a CO annotation. A notice regarding default was allegedly mailed to me around XXXX XXXX XXXX. The CO annotation has continued on my credit files for each successive month for the past eighteen ( 18 ) months. On or around XXXX XX/XX/XXXX I was notified XXXX was being transferred to XXXX XXXX XXXX The transfer was complete on or around XXXX XX/XX/XXXXXXXX. However, XXXX XXXX continued to report payment status for XXXX through the end of XX/XX/XXXX. XXXX is supplying unverifiable and inaccurate/incomplete information to the CRAs which now persists in my credit files. They have made no attempts to correct the rrors and have instead verified inaccurate/incomplete/unverifiable information to the CRAs. The bottom line is that XXXX entered default because XXXX misapplied a payment. Since XXXX has repeatedly failed to rectify the isses with this account, I am asking the CO indicators be removed for the months beginning XX/XX/XXXX through XX/XX/XXXXXXXX, and subsequently that the account/tradeline for this account be deleted.