Consumer complaint received 2022-08-10
Company: Maximus Education, LLC dba Aidvantage
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I made a CFPB complaint against XXXX on XX/XX/XXXX ( Complaint # XXXX ) regarding ( 11 ) re-aged accounts reflecting on my consumer reports. XXXX responded to the complaint stating it would remove the ( 11 ) accounts and asked that I give the consumer reporting agencies sufficient time to update my reports. It has been ( 10 ) months and the only update that has been provided to the consumer reporting agencies is that the ( 11 ) re-aged accounts are " verified. '' -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -I contacted the US Dept of Education today ( XX/XX/XXXX ) as the ( 11 ) re-aged accounts are in their possession and a representative ( XXXX XXXX XXXX went silent '' once presented with the information about these accounts. The representative completely stopped talking and placed me on an unannounced hold until her shift ended. I held the line in complete silence with her for 5 minutes before contacting the US Dept of Education on a second phone. To which, the automated system informed me that their offices were closed for the day. I resumed my call with XXXX and we continued to sit in silence for a total of 21 minutes until shedisconnected the call. I will not elaborate on how rude and unprofessional this interaction was but I will request that you review the call with the last agent who opened my account towards the close of business on XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -It is evident that the representative was unaware of the Fair Credit Reporting Act ( FCRA ) delinquent account guidelines.The guidelines state thatthe date of first delinquency ( DOFD ) is the date the consumer first becomes ( 30 ) days late and no further payments are made on the account. This date can not be changed and is ONLY established by the ORIGINAL CREDITOR who charged-off the account. If the charged-off account istransferred or purchased, the FCRA Compliance date does not change. I am attaching XXXX 's ACCOUNT COVER PAGES and ACCOUNT HISTORY for all ( 11 ) accounts serviced by the US Dept of Education. The ACCOUNT COVER PAGE indicates the Repayment Start Date, the ACCOUNT HISTORY details the account 's delinquency which led to the charge-off. No payments were ever made to the ( 11 ) accounts based on the ACCOUNT HISTORY therefore, the DOFD happened ( 30 ) days after my Repayment Start Date of XX/XX/XXXX. I am also attaching XXXX 's response to Complaint # XXXX which states these ( 11 ) re-aged accounts should be deleted. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -I would like to note that XXXX informed me that the US Dept of Education does not have my full Account History from XXXX. She stated that my Account History began the date the account was referred to the Dept of Education ( in XXXX ). If this information is correct, you are doing a grave disservice to all borrowers and compounding the financial crisis for millions of people. I am grateful to have access of my ACCOUNT HISTORY for my own evidence in situations such as these. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -The re-aged loan details are listed below andattached to this communication. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- US Dept of Education , Acct # XXXX - Original Balance $ XXXX XXXX  Loan Details document, my original principal balance was {$2800.00}, requested on XX/XX/XXXX yet {$4000.00} was dispersed according to XXXX  Account History document XXXX I never received the extra $ XXXX inquired with XXXX as to why the additional funding occurred, they told me to ask the school. I reached out to XXXX XXXX  as to where the extra {$1100.00} was disbursed and I was informed that the school returned the funds to XXXX. They were returned to XXXX yet XXXX documents show that I received the funds. I have attached my XXXX XXXXr and an email from XXXX XXXX  which shows/states that a total of {$1100.00} returned to XXXX. {$2.00} isn't accounted for.This seems to be a billing error between XXXX and XXXX, billing errors are not the consumers responsibility and this is reporting in error on my consumer report.Account Opened on XX/XX/XXXX, Repayment Start Date was XX/XX/XXXX ( per XXXX original documentation ) -- account history shows no payment was ever made to this account ; therefore, the account first became 30 days delinquent on XX/XX/XXXX. Account should have been removed no later than XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- US Dept of Education , Acct # XXXX - Original Balance $ XXXX Opened on XX/XX/XXXX, Repayment Start Date was XX/XX/XXXX ( per XXXX  original documentation ) -- account history shows no payment was ever made to this account ; therefore, the account first became 30 days delinquent on XX/XX/XXXX. Account should have been removed no later than XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -US Dept of Education XXXX Acct # XXXX - Original Balance $ XXXX Opened on XX/XX/XXXX, Repayment Start Date was XX/XX/XXXX ( per XXXX  original documentation ) -- account history shows no payment was ever made to this account ; therefore, the account first became 30 days delinquent on XX/XX/XXXX. Account should have been removed no later than XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -US Dept of Education , Acct # XXXX - Original Balance $ XXXXAccount Opened on XX/XX/XXXX, Repayment Start Date was XX/XX/XXXX ( per XXXX  original documentation ) -- account history shows no payment was ever made to this account ; therefore, the account first became 30 days delinquent on XX/XX/XXXX. Account should have been removed no later than XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- US Dept of Education , Acct # XXXX - Original Balance $ XXXXAccount Opened on XX/XX/XXXX, Repayment Start Date was XX/XX/XXXX ( per XXXX  original documentation ) -- account history shows no payment was ever made to this account ; therefore, the account first became 30 days delinquent on XX/XX/XXXX. Account should have been removed no later than XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -US Dept of Education , Acct # XXXX - Original Balance $ XXXXAccount Opened on XX/XX/XXXX, Repayment Start Date was XX/XX/XXXX ( per XXXX  original documentation ) -- account history shows no payment was ever made to this account ; therefore, the account first became 30 days delinquent on XX/XX/XXXX. Account should have been removed no later than XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- US Dept of Education , Acct # XXXX - Original Balance $ XXXXAccount Opened on XX/XX/XXXX, Repayment Start Date was XX/XX/XXXX ( per XXXX  original documentation ) -- account history shows no payment was ever made to this account ; therefore, the account first became 30 days delinquent on XX/XX/XXXX. Account should have been removed no later than XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -US Dept of Education XXXX Acct # XXXX - Original Balance $ XXXXAccount Opened on XX/XX/XXXX, Repayment Start Date was XX/XX/XXXX ( per XXXX  original documentation ) -- account history shows no payment was ever made to this account ; therefore, the account first became 30 days delinquent on XX/XX/XXXX. Account should have been removed no later than XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- US Dept of Education , Acct # XXXX - Original Balance $ XXXXAccount Opened on XX/XX/XXXX, Repayment Start Date was XX/XX/XXXX ( per XXXX  original documentation ) -- account history shows no payment was ever made to this account ; therefore, the account first became 30 days delinquent on XX/XX/XXXX. Account should have been removed no later than XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -US Dept of Education XXXX Acct # XXXX - Original Balance {$280.00} Account Opened on XX/XX/XXXX, Repayment Start Date was XX/XX/XXXX ( per XXXX  original documentation ) -- account history shows no payment was ever made to this account ; therefore, the account first became 30 days delinquent on XX/XX/XXXX. Account should have been removed no later than XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -US Dept of Education XXXX Acct # XXXX - Original Balance XXXX XXXXAccount Opened on XX/XX/XXXX, Repayment Start Date was XX/XX/XXXX ( per XXXX  original documentation ) -- account history shows no payment was ever made to this account ; therefore, the account first became 30 days delinquent on XX/XX/XXXX. Account should have been removed no later than XXXX.

Company response to consumer: Closed with explanation