Consumer complaint received 2025-07-28 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: PA

Complaint narrative:
Issue : The XXXX  report on Page 7 lists " SL SP : Student loan, Payment b loan '' under account types with derogatory indicators, but it does not provide specific details such as the account number, creditor name, balance, payment history, or current status. This lack of specificity makes it impossible for you to verify whether the account is accurate or belongs to you. 
Why It's an Inaccuracy : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, credit reports must provide complete and accurate information. Incomplete reporting, such as listing a student loan without verifiable details, can be considered inaccurate or unverifiable. This vagueness could also indicate a reporting error, such as a misattributed account or a duplicate entry. 

XXXX  Report - Unspecified Derogatory Indicators Potentially Involving Student Loans : Issue : The XXXX  report highlights several derogatory indicators impacting your FICO Scores, including : Seven accounts with " 60 days late or worse or have a derogatory indicator ''.

Three collections reported.

A recent missed payment within the last six months.

Only one account currently paid as agreed.

Why It's an Inaccuracy : The lack of specific attribution to student loan accounts creates uncertainty. If student loans are included in these derogatory indicators, the details ( e.g., account numbers, creditor names, or dates of delinquency ) are not provided, which violates FCRA requirements for clear and accurate reporting. Additionally, the recent missed payment within six months may be misreported or incorrectly attributed to a student loan if, for example, the loan was in deferment or forbearance, or payments were made but not recorded.

Issue : The XXXX  report includes accounts with negative statuses that may involve student loans : An unsecured installment account ( potentially a student loan ) is reported as " Charge-off '' with a balance of {$1200.00}, closed on XX/XX/XXXX, and last payment made on XX/XX/XXXX. The high balance is listed inconsistently as " $ XXXX '' ( likely a typo for {$1400.00} ). 
A revolving account ( possibly misclassified if its a student loan ) is reported as " Account 120 Days Past Due Date '' with a balance of {$430.00}, closed on XX/XX/XXXX, and last payment made on XX/XX/XXXX. 

Why It's an Inaccuracy : These statuses may be incorrect if, for instance : The student loan was in deferment, forbearance, or an income-driven repayment plan, which should not result in a charge-off or delinquency status. 
Payments were made but not properly recorded by the creditor or credit bureau. 
The account is misclassified ( e.g., a student loan reported as a revolving account or unsecured installment account ). 
The balance or high balance contains errors Suspicion of Identity Theft or Fraudulent Activity : Issue : The TransUnion report shows repetitive and potentially erroneous data, such as : The address " XXXX XXXX XXXX, XXXX, PA '' repeated excessively on Page 3, which may indicate a data entry error or fraudulent account activity. 
The address " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. TX. XXXX '' repeated on Page 52, which is unrelated to your reported XXXX address and may suggest an account opened fraudulently. 
Why It's an Inaccuracy : Repetitive or incorrect addresses can be a red flag for identity theft, where accounts ( including student loans ) may have been opened in your name without your knowledge. If student loan accounts are tied to these addresses, they may be fraudulent or misreported.

Company response to consumer: Closed with explanation