Consumer complaint received 2022-12-09
Company: Maximus Education, LLC dba Aidvantage
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Re : Update Personal Information & Inaccurate Information Subject : Disputing Information in Credit Report After reviewing my credit report I see that the following information is not being reported correctly. Please update the following account information and remove all other information from my credit report for accuracy. 

Late Payment Information : After reviewing my current credit report I see that the following information is not being reported correctly. There have been many errors, for reasons unknown, in my credit reporting, reflected on my credit report that has been disputed and removed, as I have discovered recently, and require that this information below also be removed from my credit report for accuracy. 

Ive found the following items listed below to be in error. These accounts are listed with late or missed payments and that is incorrect. The following accounts were NEVER late and should be listed as PAYS, PAID AS AGREED, and/or IN GOOD STANDING. 

Account Name + Account Number I was never late on the following account/s. This is an error from the account holder at the time. Please update the account/s as PAID/ CURRENT. 

Account Name : Dept of Ed/ AidVantage Account # : XXXX 180 days past due as of XX/XX/XXXX to XX/XX/XXXX, XXXX XXXX  150 days past due as of XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX 120 days past due as of XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX 90 days past due as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX There should be no late payments reflected on this account and this credit report. Please update and remove these late items/ information from my credit report, for accuracy. 

Inaccurate Information : Account Name : XXXX  XXXX XXXX XXXX XXXX Account # : XXXX Resolved and Paid Off with Creditor/ XXXX XXXX There should be no outstanding/ open payments/ accounts reflected on this account on my credit report/ s. Please update these items/inaccurate information and remove them from my credit report, for accuracy. 

I understand the provision in the Fair Reporting Act and I am well within my right to require all of the above as outlined and that these items be investigated and removed from my credit report for accuracy. I understand that you are obligated to check and verify these items as posted, as accurate, and provide proof of your findings as requested, otherwise must remove the above from my credit report. 

Please remove any and all incorrect information and information that can not be verified, as I have detailed above. I understand that you must complete this investigation within 30 days of receiving this letter. 

If you find this request in error from your perspective, then I expressly request the provision in the Fair Reporting Act and require you to provide written proof showing your findings and the validity of this reporting for further investigation of these errors. 

Please send me an updated copy of my credit report reflecting these changes to the address above. 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation