Consumer complaint received 2025-04-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Maximus Federal Services, Inc.
State: DC

Complaint narrative:
Subject : Final Demand for Full Debt Validation, Disclosure of Permissible Purpose, and Federal Complaint Notice Dear Aidvantage, This correspondence is in direct response to your failure to fully validate the alleged student loan debts under the following account numbers, as originally demanded : * XXXX XXXX XXXXAIDVANTAGE XXXX Loan # XXXX * XXXX  XXXX  XXXXXXXXAIDVANTAGE XXXX Loan # XXXX * XXXX  XXXX  XXXXAIDVANTAGE XXXX Loan # XXXX * XXXX  XXXX XXXXAIDVANTAGE XXXX Loan # XXXX * XXXX XXXX XXXXAIDVANTAGE XXXX Loan # XXXX * XXXX XXXXF XXXXAIDVANTAGE XXXX Loan # XXXX * XXXX XXXX  XXXXAIDVANTAGE XXXX Loan # XXXX Your response failed to meet the requirements outlined under 15 U.S.C. 1692g ( FDCPA ) and 15 U.S.C. 1681c-2 ( FCRA ). Sending promissory notes with pre-filled data does not constitute full validation under the law, and it does not address my specific demands, which include : 1. Full Validation & Chain of Title You did not provide a complete chain of title proving the legal right of Aidvantage or the U.S. XXXX XXXX XXXXn to collect this alleged debt. A statement that loans have not changed ownership does not fulfill this obligation. I require copies of all assignments, transfers, or servicing rights since origination with dates and authorizing parties. 

2. Complete Accounting Breakdown You have not provided a detailed accounting showing how the current balance was calculated including interest, principal, fees, and penalties. This is a required part of debt validation under federal law. 

3. Permissible Purpose & Credit Report Access You failed to state your permissible purpose for accessing my credit file under 15 U.S. Code 1681b. If you or any of your affiliated entities pulled or reported information to any credit bureau without my consent or without a legitimate collection basis, that is a violation of the FCRA. 

4. Privacy & FERPA/Data Breach Violations Your vague statement referencing the Privacy Act of 1974 and FERPA does not absolve you of responsibility for protecting my personal and educational records including my Social Security number and education-related data. You failed to address my allegation of unauthorized access and distribution of personal data. 
For the record : * If Aidvantage shared, transferred, or granted access to my data without prior written consent, you are in violation of FERPA, FTC Act Section 5, and potentially federal data breach laws. 
* I will be reporting this incident to the U.SXXXX XXXX XXXX XXXX, the Federal Trade Commission ( FTC ), and the Consumer Financial Protection Bureau ( CFPB ) for immediate investigation. 

Final Warning & Legal Notice As of today, you are in willful noncompliance with federal debt collection and consumer protection laws. If I do not receive full and proper validation including all requested documents, accounting, and proof of legal authority within 10 days of receipt of this letter, I will proceed with the following actions : * File a formal complaint with the U.S. XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) * Submit a FERPA violation complaint with the U.S. XXXX XXXX XXXX * File an FTC complaint for data privacy and identity abuse * Initiate a civil lawsuit for damages related to FDCPA, FCRA, FERPA, and Privacy Act violations Additionally, if these accounts are reported on my credit report without proper validation, I will invoke my rights under 15 U.S.C. 1681c-2 to request that the accounts be blocked and permanently removed due to identity theft and unauthorized activity. 

This letter serves as your final notice. You are instructed to cease and desist all collection activity and credit reporting related to these accounts until full compliance has been met. 
Sincerely,

Company response to consumer: Closed with explanation