Consumer complaint received 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
Good Day, This is regarding my account with the Department of Education that Aidvantage manages. I have XXXX loans : XXXX ) a direct loan with a balance of {$2900.00} and XXXX ) a direct loan with a balance of {$430.00}. I was reported to a credit agency due to a misunderstanding and a lack of communication - my loan was shifted around to different servicers, also it was deferred and then reinstated, probably more than XXXX, due to the constant changes in the government. I also applied for loan forgiveness last year because I work at a XXXX XXXX  and for a nonprofit. 

On XX/XX/XXXX, I got an email alert from XXXX  that my XXXX XXXX dropped XXXX points, and I was able to log in to XXXX and saw that the Department of XXXX had reported me XXXX. 

On XX/XX/XXXX, I called the Department of XXXX and spoke to an agent. After reviewing my account, she figured out that this was all a miscommunication and that I was not purposely avoiding paying my loans. The issue was that ALL OF MY CONTACT INFO was wrong, AND I was under the impression that my loans were forgiven or deferred since I applied for forgiveness due to my job with a public university. Not only that, but the prior government administration was encouraging it, and there was no way I knew it was reinstated. The payment is only {$50.00} a month, and I have a full-time job and would not purposely avoid paying that and messing up my credit. The only way I would not pay is if it were forgiven or put on hold. 

The agent from the Department of XXXX suggested I put myself on autopay, and I did right away. I also paid the {$250.00} ( right away ) that I was reported for and that ruined my credit and XXXX 

XXXX, XXXX, XX/XX/XXXX, when I was on the phone with an agent, she said that you have been trying to contact me for a few months since XX/XX/XXXX, but you had all the wrong contact information, so I did not receive any correspondence at all. My phone number, email, and mailing address were all wrong, and that is why I never got any correspondence from the Department of XXXX. I updated all of my information over the phone with the agent on XX/XX/XXXX, and told her that I immediately paid the past due balance + the balance for XX/XX/XXXX ( {$300.00} ) in advance. I also informed her that I would sign up for auto payments to make sure this does not happen again, even if I change my contact details again. XXXX is set up now. ( see documents in this mail ). 

On XX/XX/XXXX, I asked the agent at the Department of XXXX if she could help fix my XXXX XXXX because this is a misunderstanding. I was not avoiding paying the small amount of {$50.00} a month, and I would have happily paid that small amount monthly if I had known I had to ( contact information all wrong ). She told me to fil disputes with credit agencies. About a week ago, I filed a dispute with XXXX  and also mailed a certified letter to the Department of XXXX and pleaded my case. 

My XXXX XXXX was XXXX, and I would not have avoided paying {$50.00} a month and risked destroying a XXXX XXXX that I worked so long and hard for. I nicely asked the Department of XXXX you please look at the bigger picture, that I am obviously credit worthy. 

Fast forward to yesterday, XX/XX/XXXX - I got an email from XXXX  saying the dispute is closed on their end. I contacted Experian, and they refused to tell me anything. I then called the Department of XXXX on XX/XX/XXXX and asked about the certified dispute letter I sent them. they said they have not even started their part of the investigations, which tells me that XXXX DID NOT do the investigation. Most likely, an AI program read my dispute and closed it without giving me any due process. The dept of XXXX said they will send out correspondence when they are done. I reopened the disputes with XXXX  yesterday and filed a dispute with XXXX and XXXX, too. I do not have faith in the credit agencies that they will even treat me like a human being. 

Can you help, please? I am already getting contacts of civil lawyers because this has brought my score from XXXX to XXXX, and in this country, you can't do anything with a score below XXXX ... not even get a new job. Furthermore, from my credit history, it is obvious that I am creditworthy! 

Also, I know I am not the only XXXX of XXXX customer who had this happen to them, and hopefully, this will be seen as a systemic issue with these agencies because it is not working for the customer 's good, especially honest XXXX  like me. 

If you need documents or proof, please contact me at the email or number provided. Thanks.

Company response to consumer: Closed with explanation