Consumer complaint received 2024-01-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Maximus Federal Services, Inc. (GA)

Dear DEPT OF ED/AIDVANTAGE, I hope this letter finds you well. I am writing to exercise my rights as a federally protected consumer under the Fair Credit Reporting Act ( FCRA ), specifically citing 15 U.S. Code 6802. As such, I hereby formally opt out of any and all authorizations, whether written, unwritten, verbal, or nonverbal, that I, the consumer, may have previously provided to your agency. It is my right as a consumer, protected under federal law, to opt out of authorizations regarding the reporting or disclosure of my information to any third parties. I am requesting immediate action to ensure that any previously provided authorizations are revoked and no longer considered valid for reporting or disclosing my information. This request includes, but is not limited to, any previous authorizations given for the reporting of personal, financial, or credit-related information to any entities or third parties. I expect your agency to promptly update its records to reflect my decision to opt out of these authorizations in accordance with the FCRA and federal consumer protection laws. I am also writing to bring to your attention a matter of utmost concern regarding the potential violation of my rights under the Family Educational Rights and Privacy Act ( FERPA ) by Aidvantage. Upon reviewing documentation and correspondence, I have reason to believe that personal transaction information has been disclosed without my explicit consent. As a federally protected student under FERPA, I am entitled to the confidentiality of my education records, including any financial transactions associated with my student loans. The specific incident involves the unauthorized disclosure of personal transaction information related to my student loans. I am concerned that this action may constitute a violation of my rights under FERPA, as it involves the unauthorized release of sensitive financial details without my explicit consent. I am also disputing and bring to your attention a matter concerning Aidvantage 's reporting of late payments on my credit report, which I believe is in violation of 15 U.S.C. 1666b ( a ). Upon careful review of my credit report, I have identified instances where Aidvantage has reported late payments inaccurately. According to 15 U.S.C. 1666b ( a ), creditors are required to report accurate and up-to-date information to credit reporting agencies. I maintain that the reported late payments are not reflective of my payment history with Aidvantage. I kindly request an immediate investigation into this matter to determine the circumstances surrounding the disclosure of my personal transaction information. Additionally, I request clarification on the policies and procedures in place to ensure compliance with FERPA regulations, specifically regarding the handling and disclosure of student loan-related information. Please provide a detailed response outlining the steps taken to rectify this situation and prevent any future unauthorized disclosures of personal transaction information. I trust that Aidvantage is committed to upholding the privacy rights of students and complying with federal regulations.