I now have a bad credit report from UHEAA even tho...

I now have a bad credit report from UHEAA even though I tried in earnest to pay my bill before it was reported. I tried to use the automated system at least 4 times to pay. It wouldn't register any number I input. I tried online. I couldn't get in. I waited on hold over an hour one day and many other days for 30-40mins+ without getting through to anyone. I finally got through today. The UHEAA rep told me that they can't reverse the bad report because they could get fined. WHAT?!! Correcting their bad report because their systems of payment are messed up so I couldn't pay my bill should be their concern not a possible fine. I was told that I should have paid with snail mail or bill pay through my bank ie that I can't rely on their systems of payment and I was talked to and treated badly. If their systems of paying aren't working, reports should never be sent and they should notify customers so we have time to use old snail mail methods.