Consumer complaint received 2025-05-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc.
State: AZ

Complaint narrative:
XXXX XXXX Email : XXXX Date of Birth : XX/XX/XXXX StudentAid.gov Loan Account No : XXXX Date : XX/XX/XXXX To : Consumer Financial Protection Bureau ( CFPB ) Subject : FORMAL CFPB COMPLAINT UNAUTHORIZED ACCESS, FEDERAL VIOLATIONS, AND DEMAND FOR LOAN DISCHARGE I am filing this formal complaint with the Consumer Financial Protection Bureau against the XXXX Department of Education and any affiliated third-party contractors or agencies involved in the unauthorized access, mishandling, and breach of my personal and federal student loan information related to XXXX XXXX Account No. XXXX. 

This breach occurred via the Department of Government Efficiency ( XXXX ) prior to its official access being revoked in XX/XX/XXXX and constitutes multiple violations of federal law, a total collapse of custodial integrity, and gross negligence on the part of those entrusted to secure my most sensitive personal and financial information. 

Violations and Legal Grounds 1. Violation of the Family Educational Rights and Privacy Act ( FERPA ) 20 U.S.C. 1232g My education and loan records were accessed without proper consent by an unauthorized agency. This directly violates FERPAs protection of personally identifiable information ( PII ). The Department of Education failed in its duty to prevent and respond to this violation.

2. Privacy Act of 1974 5 U.S.C. 552a This breach also constitutes a direct violation of the Privacy Act, which mandates that personal records maintained by federal agencies be protected from unauthorized access and dissemination. I demand to invoke my rights under this law to contest and amend any records accessed or altered through this unlawful breach.

3. Federal Rules of Evidence Rule 901 ( Chain of Custody & Document Authentication ) This breach calls into question the legitimacy, source, and accuracy of all documents, contracts, and data associated with my federal loans. Due to the broken chain of custody and compromised data security, I am formally challenging the enforceability of these debts.

4. Federal Trade Commission Act 15 U.S.C. 4158 ( Unfair and Deceptive Practices ) This incident represents clear federal negligence in protecting consumer data. The U.S. Department of Education and its affiliates have engaged in unfair and deceptive practices by failing to properly secure my private information, putting me at significant and ongoing risk of identity theft and financial harm. 

Actions Ive Been Forced to Take to Protect Myself Due to your failures, I have had to independently take these emergency measures : Changed credentials on all major personal and financial platforms ( including StudentAid.gov ) ; Enabled multi-factor authentication across accounts ; Filed fraud alerts with Experian, Equifax, and TransUnion ; Subscribed to identity theft monitoring and credit protection services ; Reviewed and documented all financial activity for suspicious behavior. 

These are not preventativethey are reactive countermeasures forced upon me because your systems failed. 

Formal Demands for Immediate Relief 1. Full cancellation and discharge of all federal student loans under Account No. 9459158461, based on the irreparable breach of custodial integrity, FERPA violations, and Privacy Act infractions.

2. Immediate freeze and suspension of all collections, interest accrual, credit reporting, or enforcement actions related to this account until a full legal audit is completed. 
XXXX. Comprehensive forensic report detailing : All unauthorized access events, Dates and nature of breach, Individuals and agencies involved, The legal basis ( or lack thereof ) for such access. 
XXXX. Written confirmation that this complaint has been formally escalated within your agency and that appropriate regulatory enforcement procedures are underway. 

If I do not receive a full and lawful resolution within 30 calendar days, I will escalate this matter to : The Family Policy Compliance Office ( U.S. Department of Education ), The Federal Trade Commission, Congressional oversight committees, and Pursue legal action through private counsel.

Any further attempt to collect on these compromised loans will constitute continued legal misconduct and subject your agencies to further liability. 

Respectfully, XXXX XXXX Signature : ___________________________ Date : XX/XX/XXXX 2025

Company response to consumer: Closed with explanation