Consumer complaint received 2025-04-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
Subject : Follow-Up to CFPB Complaint # XXXX Discrepancies, Fraud Concerns, and Inadequate Validation of Federal Loan To Whom It May Concern, I am writing to submit an updated and urgent follow-up to my complaint under case number XXXX regarding an alleged student loan serviced by Aidvantage. 

While the loan is claimed to fall under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and I have received a Master Promissory Note ( MPN ) as validation, I must emphasize that this documentation does not adequately validate the debt as legally mine for the following reasons : 1. Name Discrepancy and Identity Concerns The MPN Aidvantage provided lists the name " XXXX XXXX '', which does not match my legal name, XXXX XXXX XXXX XXXX used in all my official and financial documentation, including Secretary of State records . 
This inconsistency raises a serious concern regarding potential identity confusion or fraud, particularly in light of historical fraud issues related to XXXX XXXX, where this loan is allegedly connected. 

2. MPN Is Not Sufficient Debt Validation While the MPN is a required form under federal student loan programs, it does not, by itself, prove current ownership, standing, or servicing rights. It is a general form that anyone with identifying information could potentially sign, and does not : Prove I signed it, Confirm my consent to this specific loan, Show that the debt is still owed and collectible, or XXXX Aidvantage as a legal party authorized to collect.

Federal law requires debt collectors including federal loan servicers to validate debts upon dispute, especially where there are concerns of fraud, identity mismatch, or payment errors. 

3. Potential Fraud and Misrepresentation The MPN itself states under False Certification and Unauthorized Payments that borrowers may be discharged from loan obligations in cases of : Identity theft, Falsified signatures, Fraudulent certification by the school, and Situations where the borrower did not attend the school or did not benefit from the program. 

XXXX XXXX the institution linked to this loan has a documented history of irregularities and possible fraud. Given the time period ( XXXX ), and that I attended for only six months and understood the balance was paid in full, I am asserting my right to request : A full and itemized payment history, Proof of loan disbursement, Verification of the identity and authorization used to originate the loan, and A statement confirming Aidvantages legal servicing rights. 

4. Right to Dispute and Protection Under Federal Law As a borrower, I am protected by federal law, including : The Fair Debt Collection Practices Act ( FDCPA ) ( where applicable ), The Higher Education Act of 1965, and The Federal Trade Commission Act, particularly in cases involving potential misrepresentation or fraud. 

Requested Actions : I request that the CFPB compel Aidvantage to provide : Full documentation verifying that the loan is connected to my legal identity ( XXXX XXXX ) ; Clear proof of loan disbursement and servicing rights ; A complete transaction and payment history ; Documentation to confirm the loan remains valid and unpaid ; and A response to the possibility of false certification or identity misuse under federal loan discharge conditions. 

Without this verification, I do not acknowledge this debt as legitimate or collectible. 

Thank you for your time and advocacy in helping ensure transparency and borrower protections.

Company response to consumer: Closed with explanation