Consumer complaint received 2024-11-04 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: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX Email : XXXX Phone : XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, XXXX XXXX Subject : Demand for Inclusion in Navient Settlement and Investigation of Compliance Violations Dear CFPB, I am writing to formally demand inclusion in the current Navient settlement based on their non-compliance with federal laws governing student loans, repayment programs, and accurate credit reporting practices. I am a former borrower with Navient under account number XXXX and am experiencing unjust harm due to Navients actions, including mishandling my repayment options and deleting records of my account to deny any relationship. 
Navient engaged in deceptive practices that significantly impacted my financial well-being : 1. Misrepresentation of Income-Driven Repayment Plans : Navient misled me regarding income-driven repayment ( IDR ) plans, failing to adequately notify me of annual recertification requirements. As a result, I incurred additional interest and penalties, a burden exacerbated by Navient 's failure to provide clear, accessible information on these programs. 
2. Failure to Comply with Credit Reporting Requirements ( XXXX XXXX Compliance ) : Navient has reported inaccurate, negative information to credit bureaus regarding loans I held with the now-defunct XXXX XXXX XXXX . These loans should be removed as they were legally questionable and reflect a failure to uphold federal standards of accuracy in reporting, including compliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), which mandates the highest standards of accuracy, timeliness, and completeness in consumer reports. 
XXXX. Deletion of Records and Access : Navient has taken steps to erase my borrowing history, which I believe is an attempt to shield themselves from liability. This act appears to be a violation of laws governing financial record-keeping and is likely intended to prevent accountability under applicable U.S. Code sections, including those covering unfair, deceptive, and abusive acts or practices ( UDAAP ) per 12 U.S.C. 5531 and 5536.

Given these circumstances, I am requesting : Immediate inclusion in the Navient settlement or an investigation into Navients practices as they pertain to my case. 
Full compliance with all XXXX XXXX standards, as my credit report must be corrected to remove erroneous negative entries related to loans from the XXXX XXXX XXXXXXXX. 
A review of Navient 's record-keeping practices in relation to my account, as the deletion of my account information appears to violate data integrity requirements set forth by the CFPB and applicable federal statutes.

In addition, I request that all relevant citations and federal statutes governing these violations be applied to my situation to ensure fair treatment and relief. 
Thank you for your attention to this matter. I look forward to a prompt and comprehensive response. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation