I disputed a 90 day late on a Federal Student Loan. There were XXXX loans corresponding to the number of semesters I was in school. I have since consolidated the loans into XXXX note, but the loan servicer at the time was Direct Loans which is no longer in business. The National Student Loan Data Center nor XXXX XXXX ( the current servicer ) have any information about me ever having a late payment. I have always paid my loans on time with the exception of the grace period and a forbearance. This information on my credit report is inaccurate and can not be verified. According to the Fair Credit Reporting Act, it should not be there. I disputed this a couple of years ago, and Equifax and XXXX ruled on the lenders behalf. Is there anything I can do about this?