Consumer complaint received 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Maximus Federal Services, Inc.
State: OH

Complaint narrative:
XX/XX/year> Re : URGENT Dispute Multiple Student Loan Accounts ( Account # XXXX ) To Whom It May Concern : I am filing this complaint regarding multiple student loan accounts currently reported by XXXX XXXX XXXX XXXX XXXX ) across all three credit bureaus under the same account number but with different balances, terms, and reporting histories. These duplicate and inconsistent entries are harming my credit score and do not reflect the reality of my financial history. 
To my knowledge, I only applied for and received XXXX student loan, which I believed to be a grant at the time. 
Despite this, there are XXXX XXXX  accounts reported with the exact same account number and differing original balances ( {$3800.00}, {$1700.00}, {$1700.00}, {$1000.00} ), monthly payments, past due amounts, and inconsistent payment historieseach showing late payments across multiple months. These accounts are duplicative, confusing, and misleading. 
The accounts : - Share the same account number : XXXX - Report different balances and late fees inconsistently - Do not align with my actual loan records or aid history - Do not reflect that I believed the original loan was a grant, not a repayable loan - Have severely damaged my credit by falsely inflating my loan count, delinquency history, and past due balances These inaccuracies violate the Fair Credit Reporting Act ( FCRA ) including : - XXXX ( b ) : Failure to ensure maximum possible accuracy - XXXX ( a ) : Duty to report accurate information - XXXX ( b ) : Duty to investigate disputed information They also create substantial harm to my financial standing, borrowing ability, and employment opportunities. 
I request a formal investigation into these reporting practices and demand deletion of any inaccurate, duplicated, or unverified Aidvantage accounts. If you require documentation to support my claim, I will provide my full credit report and relevant correspondence. 

I am also writing to dispute XXXX student loan accounts appearing on my credit report that all list the same account number ( XXXX ) but show different balances, statuses, and payment histories. These accounts are being reported by XXXX. of XXXX / Aidvantage and are present on all three credit bureaus. 

This reporting is inaccurate, misleading, and materially incomplete for the following reasons : XXXX. I only recall receiving a single student loan, which I believed was a grant. 
XXXX. These XXXX accounts all share the same account number, yet display differing balances, terms, and delinquency records. 
XXXX. These accounts were previously marked XXXXPaid/Never Late ' and only recently changed to reflect extreme delinquency ( XXXX days past due ). 
XXXX. This form of duplicate and inconsistent reporting may result from administrative or data-processing errors and violates the Fair Credit Reporting Act ( FCRA ) XXXX ( b ) regarding the accuracy and completeness of consumer information. 

I am demanding the immediate deletion of these inaccurate and duplicate accounts from my credit report. If the accounts can not be verified individually and clearly documented as separate legal obligations, they must be removed. 

Please complete a reinvestigation under FCRA XXXX and provide written confirmation of the outcome. If these accounts remain unchanged, I will escalate to the Consumer Financial Protection Bureau, the XXXX XXXX XXXX XXXX Ombudsman, and my state attorney general. 

I have enclosed identification and supporting documents and will retain a copy of this dispute for legal purposes. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Email : XXXX Phone : XXXX

Company response to consumer: Closed with explanation