So I called my student loan company and talked to them. I've had the loan for about 7-8 years now and randomly asked if I ever had late payments. They said they didn't see any except twice a year or two ago. I was like, what? So what I have been doing is doing a forbearance since interest rates on it are low. Apparently they approved the forbearance for the dates but since the forbearance was back dated they still marked those payments as late and reported to my credit bureaus. Is this right or legal? Can I contest this?