I have disputed three times now the validity of Equifax reporting I am 120 days or more past due on XXXX of my student loans. I have spoken with XXXX/XXXX and they do not show I was ever late, yet Equifax keeps coming back with a response that it was verified by XXXX/XXXX. I do not believe they have verified anything with anyone. I have all of the backup stating I have never been past due. Equifax is the only credit agency reporting this incorrect payment status. I would like Equifax to remove the late payments immediately.