Consumer complaint received 2023-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc. (TX)

Hello, My student loan servicer, Aidvantage, has reported me late on my student loan payments to the credit bureaus due to incorrect enrollment information. I was enrolled from XXXX XXXX XXXX XXXX at XXXX  XXXX University XXXX with no breaks and no withdrawals. A month after graduation in XXXX XXXX, they reported me 90 days late on payments for both of my student loans, 120 days late the following month, and 150 days late the month after. 

They incorrectly applied the XXXX grace period for my loans. Over the phone, they told me that they applied the grace period from XX/XX/XXXX through XX/XX/XXXX, while I was still enrolled in classes. They say that XXXX  XXXX reported me as " XXXX '' for the Fall XXXX semester, which is why they applied the grace period starting XX/XX/XXXX. 
Ive sent two letters to Aidvantage requesting investigation, requested investigation twice through the online portal, and made several phone calls attempting to clarify the issue and seek resolution. 

Aidvantage has denied my credit report retraction requests, stating that their information is correct, and they are going off whaXXXX XXXX XXXX XXXX XXXX XXXXXXXX ) has reported to the XXXX XXXX XXXX XXXX XXXX ( XXXX ). They say that my presentation of transcripts and official proof of enrollment from XXXX for Fall of XXXX is not sufficient for them to change reporting to the credit bureaus, and that I must reach out to XXXX to have the information corrected. 

I sent one letter to Aidvantage in XXXX of XXXX, and another in XXXX of XXXX. I submitted the online requests around this timeframe as well. I also sent an email to Aidvantage containing my official proof of enrollment information for Fall XXXX. On XXXX, Aidvantage acknowledged that I XXXX enrolled for Fall XXXX, and adjusted my new beginning of repayment date to the correct date, XX/XX/XXXX. They changed my period of subsidized interest to reflect this new beginning of repayment date but did not change the delinquency status that they reported to the credit bureaus. On subsequent follow-up calls, they told me that they can not change the delinquency information because they are going off what XXXX has XXXX to the XXXX. 

I have reached out to the XXXX XXXX XXXX XXXX and the XXXX Registrars office twice. The Registrars office tells me that they have my status as Enrolled for Fall XXXX, and that Financial Aid is responsible for reporting to the XXXX. After calling XXXX XXXX, they also say that they show my status as Enrolled for Fall XXXX and say that this is what they reported to the XXXX. 

I have also initiated investigations through the XXXX website in an effort to get a third party involved, but there has been no success on this front yet. 

I am stuck between the XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and Aidvantage with no resolution in sight. It is unclear what path to take forward. XXXX insists that they have reported the correct information and suggest that I send a proof of enrollment to Aidvantage. I sent the proof of enrollment to Aidvantage, but they say that this is insufficient to retract the delinquency marks on my credit report, and that the responsibility for correcting the error rests with XXXX. 

Help resolving this issue is greatly appreciated. 

Have a great day, XXXX