Credit reporting laws

[WaveCrash]

Georgia

Hello
I need help/information on laws/regs on what and how creditors can report to credit agencies.
Is it legal for the creditor to itemize their reports to credit agencies if they only send one monthly statement.
Specifically about student loans. In my case I was waiting for disability discharge approval and was late on two statement they reported to agencies as 8 individual accounts each late.
If we get one statement, one account, one total amount due monthly is it legal for them to report each individual loan separately to agency.
I was not late paying 8 statements. How is this FAIR credit reporting? I can't even rent an apartment because it looks like I was late paying 8 separate accounts.

 

[Zigner]

I'll preface this by saying that I don't know how the law treats it. My response is based on a real world view of it: You had 8 loans and you were late on all 8. It doesn't matter if you're making one consolidated payment, it's still 8 loans.

 

[adjusterjack]

I can't even rent an apartment because it looks like I was late paying 8 separate accounts.

It doesn't "look" like that, it "is" that.

You have 8 separate loans, each with a different loan number.

That you make one payment a month for all of them for convenience doesn't change that.

Nothing illegal happened.