Specifically, this conclusion can be explained in detail through the following points:

First of all, during the epidemic, many people's lives were greatly impacted, including the decrease of work income and the increase of living expenses. These factors may cause some people to fail to repay on time or credit card arrears, resulting in overdue credit information.

Secondly, the China Municipal Government is also aware of the impact of the epidemic on people's lives, and has actively taken a series of measures to help the affected individuals and enterprises tide over the difficulties. One of them is the special handling policy for overdue credit information. According to these policies, borrowers can submit complaints, explain and prove that the overdue period is due to the epidemic situation, and provide corresponding evidence.

Third, the outcome of the appeal needs to be determined according to the specific circumstances. Banks or other financial institutions will review each appeal case and decide whether to accept the appeal and make adjustments according to the evidence and explanations provided by the applicant. If the complaint is accepted, the bank can modify the credit report, adjust or delete the overdue records.

In short, the overdue credit information caused by the epidemic can be appealed. In the process of appeal, the borrower needs to provide reasonable explanation and relevant evidence to prove that the overdue period is due to the epidemic situation. Whether to accept the complaint in the end depends on the specific situation and the audit of financial institutions.

Extended data:

During the epidemic, the China government took many measures to deal with the economic and social impact. Including the special handling policy of overdue credit. According to the requirements of local and national policies, financial institutions need to give more understanding and tolerance to individuals and enterprises affected by the epidemic. The introduction of these policies has provided some relief and help to the people affected by the epidemic, enabling them to better cope with the overdue predicament.

However, in the process of appeal, the borrower needs to provide accurate and complete supporting materials and fill in relevant application forms as required. Proof materials can include income proof, detailed living expenses, letter of explanation and other relevant proof documents. In addition, the borrower should explain and prove the causal relationship between overdue behavior and epidemic situation in detail as much as possible to increase the success rate of appeal.

It is worth mentioning that since the policies of banks and financial institutions may be different, borrowers are advised to know the specific requirements of financial institutions in detail before appealing and communicate with relevant institutions to ensure the smooth application process.

In any case, keeping good communication and cooperation with financial institutions in time is the key to solve the problem of overdue credit reporting. This will help to ensure the smooth progress of the appeal procedure and provide more opportunities for the adjustment of individual overdue records.