I have been disputing and fighting AES for two years because of late payments that were added to my credit report during a back dated forbearance and finally won! History: I requested a back dated forbearance which would cover the dates of the late payments and AES granted me the forbearance with a letter stating it would be back dated. However, they did not remove the late payments from my credit report. After numerous calls to AES (reps and supervisors), I found out that as of November 2014, they have changed their policy to remove late payments when a back dated forbearance or deferment was granted and covers the dates of the late payments. However, anyone who had late payments prior to November 2014 would not benefit from the new policy. I was LIVID because my late payments were from early 2014. I tried to dispute by opening a case with Omnibus, but they were no help! Finally, I decided to file a dispute through CFPB website explaining that AES has changed their policy, but refuse to apply it for customers whose late payments were before November 2014. AES responded agreeing to remove the late payments from ALL 3 Credit Reporting Agencies. I have since checked my credit reports and the late payments were removed! Hope this helps anyone else in the same scenario.