<prompt> Human: Hi everyone - cross posting this between rpersonalfinance and rlegal advice. If there are errors, please let me know and I will edit my post to reflect any wrongful info, etc. Lengthy post ahead, but I thank you all for reading and any advice you may have.In need of some legal andor financial advice here.Story - My boyfriend is getting ready to close on a house and the first closing date was scheduled to be on November 13, 2015 today. Yesterday, in preparation for closing, his credit report was pulled again. Throughout the entire process, we made sure that no new credit items were opened and that all open credit was current with no delinquencies or late payments that would be reported. We were in for a surprise - When the lasted credit report was pulled, a certain student loan company reported his account as delinquent with payment being over 90 days late.Heres the catch. The said account was in forbearance and we received, via email and the account inbox with said company, proof of forbearance with the next payment being due on December 6. 2015. The delinquency was reported on October 31, 2015 - Several days before the forbearance period was required. I reviewed the forbearance statements, and it states that he can not make payments while it is in forbearance, but the loan will still accrue interest and at the end of the forbearance period, the interest will be added to the loan and payments must be made if Im reading right, its allowing the interest on the loan not paid in forbearance to be converted over to the principle, and then the loan has an adjusted principle amount after the fact?. The loan is at 4.2, so the interested on a 1,200 loan was negligible.Now, heres the big problem. This reporting has dropped his score 148 points and has now raised a flag with his mortgage broker and the approval of his home mortgage. With this many points taken off the report, he is at risk of no longer qualifying for what he was approved for and is at risk of losing 3000-13000 if he cannot close. We did contact the student loan company about this and were told that they could remove it under three circumstances. My boyfriend would have to be currently enrolled in school and is not, be or have been active military in the last 12 months or prove that said student loan company has made an error...Now, heres where it gets interesting. Our broker who is awesome and a badass took a three-way call with my boyfriend and the loan company I was present on the calls, but not a speaker. We informed the company of their error and included the information on the forbearance letters and that they, presumably, falsely reported a delinquency in payment to the credit bureaus. They responded by saying that all their information is correct, the delinquency is correct and they will not assist in removing it from the credit report. So, I guess Im trying to ask if theres anything we can do, financially or legally. Majority of our money Im invested in this as well as I have provided gift money for this transaction, with the accommodating letter proving this gift is tied up in the transaction with the house and we cannot afford to pay off the loans in full. They said they would not remove it even if it was, and the minimum payment on it is only 50month. We have until the 19th of November to figure this out before the contract on our house. The sellers will be out of country permanently as of tomorrow, November 14, and have assigned Power of Attorney over to their realtor only to sign the contract. What do we do from here? The only thing the loan company said they can do is forward it to their dispute center and let it resolve from there, but that can take 3-5 business days. We cannot afford to lose the contract. Is it possible to take legal action for damages against the loan company for a false report?Again, thank you all for reading. Im at a total loss as to how to proceed.Tl;dr - buying a house, student loan co falsely reported account delinquent but said account was in forbearance, wont assist in removing and now were looking like were screwed.  <response>: File a dispute with whichever of the three credit bureaus are reporting showing the error. Depending on the outcome you can sue under the Fair Credit Reporting Act, but it certainly wont be resolved fast enough to help you right now. Even just threatening to sue will probably get their attention, though. 