Consumer complaint received 2025-07-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
XX/XX/XXXXXXXX XXXX XXXX XXXX Dispute Center Subject : Formal Dispute of Inaccurate Credit Information XXXX  Account # XXXX and XXXX  XXXX Account # XXXX Dear XXXX  Consumer Dispute Center, I am writing to formally dispute significant inaccuracies related to two credit card accounts on my credit report : XXXX account # XXXX and XXXX XXXX account # XXXX, both of which are currently in collections. Upon thoroughly reviewing my credit report file, I have identified multiple inaccuracies in the reported information, including opened dates, last activity dates, last payment dates, and balances, which require immediate attention. 

The specific inaccuracies I wish to address are as follows : XXXX  Account # XXXX : Opened Date : The reported opening dates for this account are incorrect. The accurate opening dates for this account are XX/XX/XXXXXXXX  and XX/XX/XXXX. I kindly request you to verify and validate all data associated with this account. 
Last Activity Date : The reported last activity dates on this account are inaccurate. The accurate last activity dates are XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I respectfully request you to verify and validate all data associated with this account. 
Last Payment Date : The reported last payment dates on this account are inaccurate. The accurate last payment dates are XX/XX/XXXX and XX/XX/XXXX. I kindly request you to verify and validate all data associated with this account. 
Balance : The reported balances on this account are incorrect. The accurate balances are {$1000.00} and {$700.00}. I respectfully request you to verify and validate all data associated with this account. 




XXXX XXXX Account # XXXX : Opened Date : The reported opening dates for this account are incorrect. The accurate opening dates for this account are XX/XX/XXXX and XX/XX/XXXX. I kindly request you to verify and validate all data associated with this account. 
Last Activity Date : The reported last activity dates on this account are inaccurate. The accurate last activity dates are XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I respectfully request you to verify and validate all data associated with this account. 
Last Payment Date : The reported last payment dates on this account are inaccurate. The accurate last payment dates are XX/XX/XXXX and XX/XX/XXXX. I kindly request you to verify and validate all data associated with this account. 
Balance : The reported balance on this account is incorrect. The accurate balance is {$880.00}. I respectfully request you to verify and validate all data associated with this account. 

These inaccuracies not only violate my rights under the Fair Credit Reporting Act ( FCRA ) but also misrepresent my credit history, financial responsibility, and current account statuses. To rectify this situation and ensure the accuracy and fairness of my credit report, I am formally requesting the immediate removal of these erroneous items from my credit report. 

I am drawing your attention to the XXXXXXXX XXXX XXXX XXXX which exemplifies how incorrect reporting can negatively impact consumers ' rights and financial well-being. In the XXXX case, XXXX  failed to remove inaccurately reported items despite discrepancies, highlighting the critical nature of accurate reporting and adherence to FCRA guidelines. 

Under my rights granted by the FCRA, I demand the swift removal of the aforementioned inaccuracies to restore the accuracy and fairness of my credit report. I kindly request written confirmation upon the completion of your investigation and the correction of these inaccuracies. 
I sincerely appreciate your prompt attention to this matter. 

Your assistance in resolving this dispute and upholding the accuracy of my credit information is invaluable. Should you require any further information or supporting documentation, please feel free to contact me at XXXX Thank you for your cooperation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation