XXXX XXXX Mortgage is reporting me being late 30-60 days late in XXXX and XXXX of XXXX. 
I was in Forbearance from XXXX XXXX XXXX. 
My last payment to XXXX which was the previous company now Bankrupt was XX/XX/XXXX. 
In XX/XX/XXXX I made a payment to XXXX XXXX Mortgage. 
My forbearance with XXXX XXXX started in XX/XX/XXXX. 
I was never late on my mortgage. 
In XX/XX/XXXX I contacted XXXX XXXX and notified them business was picking up and I wanted to come off of forbearance. 
I made my XXXX trial payments on time in XXXX, XXXX and XX/XX/XXXX. 
In XXXX I signed the loan modification agreement. 
XXXX Mortgage took my XX/XX/XXXX payment and XX/XX/XXXX and applied them to XX/XX/XXXX which I already paid to XXXX in XX/XX/XXXX as the bank statements show. 
Cares Act states consumers can not be reported as late up to XX/XX/XXXX. I made my payment in XXXX as agreed. 
At this point I do not understand what payment was late? 

Thank you, XXXX XXXX XXXX XXXX