Consumer complaint received 2025-07-23 00:00:00
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.
State: FL

Complaint narrative:
Aidvantage/Dept . of Education Failure to Provide Requested Documentation and Reporting Unverified Student Loan Accounts in Violation of FCRA & FDCPA Company : Aidvantage / Department of Education Servicer Account Numbers : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Complaint Summary : I am filing this complaint against Aidvantage ( servicing for the Department of Education ) for failing to provide proper documentation and continuing to report inaccurate and unverified information to the consumer reporting agencies in violation of the Fair Credit Reporting Act ( FCRA ) and possibly the Fair Debt Collection Practices Act ( FDCPA ). 

On [ insert original dispute date ], I submitted a formal written dispute requesting full validation of the above student loan accounts. My letter demanded : 1. A copy of the original signed Master Promissory Note ( MPN ) with my wet signature.

2. A full payment history, including breakdowns of interest, principal, forbearances, deferments, and fees.

3. A full chain of assignment ( which servicers managed my loans and when ).

4. A complete accounting ledger showing how the debt was calculated.

5. Proof that I authorized this debt.

6. Proof of legal authority to furnish this information to credit reporting agencies.

7. A forbearance and deferment ledger with detailed dates and terms.

Despite their obligation to fully investigate and respond under FCRA 1681i ( a ) and 1681s-2 ( b ), Aidvantage responded through the CFPB portal stating they enclosed documents but attached absolutely nothing.

Their response : Reiterates that I signed a promissory note but does not provide a copy.

Claims my payment history was included but failed to attach it.

Offers a vague explanation and instead directs me to call them or visit a website.

This is a deliberate failure to comply with both the FCRA and FDCPA, and it obstructs my right to validate, resolve, or challenge the debts. No verification = no right to furnish the information per FCRA 1681i ( a ) ( 5 ) and FDCPA 1692g.

I also emphasized how this inaccurate or unverified reporting is negatively impacting my : Credit score Debt-to-income ratio Lender perception Employment and housing opportunities Ability to dispute or rehabilitate the debt To date, these accounts remain on my credit report and are continuing to damage my credit profile even though no complete or verifiable documentation has been provided.

Requested Resolution : I am requesting that the CFPB formally require Aidvantage and the U.S. Department of Education to : 1. Provide the full documentation as previously requested including the signed Master Promissory Note, full payment and deferment history, and complete chain of assignment.

2. If they can not verify this information with the exact documentation requested, they must immediately delete these accounts from all consumer reporting agencies, in accordance with FCRA 1681i ( a ) ( 5 ).

3. Provide written confirmation of the outcome of this complaint.

Company response to consumer: Closed with explanation