Consumer complaint received 2025-04-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc.
State: DC

Complaint narrative:
NOTICE This Complaint Is Not a Duplicate : Any Attempt to Misclassify It Constitutes Procedural Misrepresentation and Regulatory Misconduct ========================================================================= This complaint is not a duplicate of any prior submission, including but not limited to CFPB Complaint ID XXXX. It documents a new, independently reportable violationspecifically, Aidvantages continued misrepresentation of a prior CFPB complaint filed against XXXX ( ID XXXX ) as the basis for its internal fraud classification, as well as its stated policy of collapsing multiple complaints into a single response record. 
========================================================================= Any attempt by Aidvantage to mischaracterize this complaint as previously addressed or duplicative will be treated as a fraudulent procedural act and a misuse of the federal consumer complaint system, in violation of : 12 U.S.C. 5536 ( a ) ( 1 ) ( B ) Prohibition on deceptive and abusive acts or practices ( UDAAP ) ; 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) Furnishers duty to correct and update inaccurate information ; D.C. Code 28-3904 ( e ), ( f ) Misrepresentation and failure to honor consumer rights under the D.C. Consumer Protection Procedures Act ; 18 U.S.C. 1001 Material false statements to a federal agency or in a matter within federal jurisdiction. 
========================================================================= This complaint arises from a new, post-dated violation that took place after prior complaints were filed. It involves a materially false assertion made by Aidvantage in its XX/XX/2025 response, falsely linking a separate CFPB complaint ( filed against XXXX ) to its internal servicing records, and reaffirming a pattern of improper fraud designation and procedural concealment. 
========================================================================= Furthermore, Aidvantages stated policy of responding to multiple complaints under one CFPB complaint number constitutes an attempt to suppress individualized complaint visibility, obstruct the official regulatory record, and evade accountability for ongoing and distinct legal violations. 
========================================================================= Any further attempt by Aidvantage to mislabel this submission as duplicative or to suppress its factual and legal claims through internal aggregation policies will be preserved as evidence of regulatory misconduct and will be escalated as warranted. 
========================================================================= NOTICE : Aidvantages continued misuse of the CFPBs complaint designation system to obscure procedural violations is being independently tracked as part of an active evidentiary dossier for potential regulatory enforcement and civil litigation, if warranted. 
========================================================================= Subject : Systemic Misrepresentation by Aidvantage False Identity Theft Designation, Unauthorized Use of CFPB Complaint Record, and Violation of Federal Furnisher Obligations ========================================================================= To : Consumer Financial Protection Bureau, FTC ========================================================================= CC : Aidvantage Credit Bureau Management ========================================================================= Date : XX/XX/2025 ========================================================================= Complainant : XXXX XXXX XXXX ========================================================================= Complaint ID Referenced ( for background ) : ========================================================================= XXXX ========================================================================= XXXX ========================================================================= XXXX ========================================================================= XXXX ========================================================================= Affirmation of Independent Legal Action and Federal Record Accuracy ========================================================================= I submit this complaint in my individual legal capacity and affirm that I am not affiliated with any credit repair organization. This submission documents federal loan servicing misconduct and preserves all rights for civil, regulatory, and evidentiary enforcement. Aidvantage is formally on notice. 
========================================================================= I. Unauthorized Identity Theft Designation of Federal Loan Account ========================================================================= Aidvantage unilaterally designated one or more of my federal student loan accounts as involving identity theft without my authorization, without law enforcement documentation, and without any identity theft report submitted by me. 
========================================================================= This act constitutes : ========================================================================= A material misrepresentation of the status of a federal student loan, ========================================================================= A falsification of servicing records, ========================================================================= A violation of FCRA 1681s-2 ( a ) ( 1 ) ( B ) and 12 U.S.C. 5536 ( a ) ( 1 ) ( B ) ( UDAAP ). 
========================================================================= I have submitted a notarized affidavit and two FTC Fraud Reports affirming no identity theft was reported. Aidvantage proceeded with a fraud designation despite this documentation. 
========================================================================= XXXX. Misuse of CFPB Complaint System to Justify Internal Fraud Protocol ========================================================================= In its XX/XX/2025 response, Aidvantage cited CFPB Complaint ID XXXX was filed against XXXX the basis for initiating a fraud classification on my federal loan. 
========================================================================= This claim is demonstrably false. 
========================================================================= The referenced complaint does not mention identity theft, was not submitted against Aidvantage, and was never intended as a fraud-related dispute. Aidvantages use of this record to trigger internal fraud protocols constitutes a misrepresentation in a federal proceeding and may violate : ========================================================================= 18 U.S.C. 1001 False statements to a federal agency, ========================================================================= 12 U.S.C. 5536 ( a ) ( 2 ) Misrepresentation to a consumer or regulator, ========================================================================= FCRA 1681s-2 ( a ) ( 1 ) ( B ) Furnisher duty to correct inaccurate information. 
========================================================================= III. Transmission or Attempted Transmission of False Identity Theft Information ========================================================================= Aidvantage has either transmitted or attempted to transmit this false identity theft classification to one or more consumer reporting agencies through E-Oscar or equivalent systems. 
========================================================================= This conduct violates : ========================================================================= FCRA 1681e ( b ) Failure to ensure maximum possible accuracy, ========================================================================= 12 C.F.R. 1022.42 Accuracy and Integrity Rule under FACTA, ========================================================================= CFPB Bulletin 2014-01 Prohibition on furnishing misleading or false information. 
XXXX Aidvantage has not produced documentation identifying the system or person responsible for triggering the fraud classification despite multiple formal requests. 
========================================================================= IV. Procedural Suppression of the Official Regulatory Record ========================================================================= Aidvantages statement that multiple complaints regarding the same concerns will be responded to under one CFPB complaint number reflects a policy of collapsing distinct complaints to limit regulatory exposure. 
========================================================================= This tactic obstructs the integrity of the Bureaus public complaint system. Each complaint filed documents new dates, new legal violations, and escalating conduct. Collapsing separate records may violate : ========================================================================= 12 U.S.C. 5495 CFPB coordination and supervisory authority requirements. 
========================================================================= This behavior appears designed to evade systemic accountability for recurring violations. 
========================================================================= V. Enforcement Referral and Legal Preservation ========================================================================= Pursuant to the Bureaus statutory mandate under 12 U.S.C. 5495 ( Coordination ), I formally request that this matter be referred for supervisory and enforcement review, and that the Consumer Financial Protection Bureau coordinate with relevant federal and state agencies to ensure proper oversight, investigation, and legal remedy. 
========================================================================= The following agency referrals are warranted based on distinct legal authorities, each directly implicated by Aidvantages conduct : ========================================================================= 1. Consumer Financial Protection Bureau ( CFPB ) Enforcement Division ========================================================================= Aidvantages actions violate core provisions of the Fair Credit Reporting Act, including : ========================================================================= o 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) : Duty of furnishers to correct and update inaccurate information.

========================================================================= o 15 U.S.C. 1681i : Failure to conduct a reasonable reinvestigation upon notice of dispute.

========================================================================= o 12 U.S.C. 5536 ( a ) ( 1 ) ( B ) : Prohibition on deceptive or abusive acts or practices under the Consumer Financial Protection Act ( UDAAP ).

========================================================================= These violations fall squarely within the CFPBs enforcement jurisdiction and implicate the agencys role in overseeing the accuracy and integrity of the credit reporting system.

========================================================================= 2. Federal Trade Commission ( FTC ) ========================================================================= Aidvantages repeated misrepresentations to both consumer and regulatorparticularly its misuse of an unrelated CFPB complaint to justify a false fraud designationviolate the Federal Trade Commission Act, specifically : ========================================================================= o 15 U.S.C. 45 ( a ) : Prohibition on unfair or deceptive acts or practices in or affecting commerce. 
========================================================================= The FTC retains parallel jurisdiction over non-bank servicers and deceptive consumer-facing practices, and is positioned to investigate systemic misrepresentation or pattern violations. 
========================================================================= 3. Department of Justice ( DOJ ) Civil Division, Consumer Protection Branch ========================================================================= Aidvantages conduct may constitute federal offenses under : ========================================================================= a. 18 U.S.C. 1001 : False statements in matters within the jurisdiction of a federal agency.

========================================================================= b. 18 U.S.C. 1341 : Mail fraud, based on the use of USPS to transmit materially false information.

========================================================================= c. 18 U.S.C. 1343 : Wire fraud, where electronic systems ( including CFPB portal and E-Oscar transmissions ) were used to perpetuate misrepresentations. 

========================================================================= DOJ is authorized to initiate both civil and criminal proceedings where false statements or fraudulent schemes affect federal records or regulatory systems. 
========================================================================= 4. National Association of Attorneys General ( NAAG ) ========================================================================= Aidvantages conduct may violate multiple state-level consumer protection laws, including : ========================================================================= d. D.C. Consumer Protection Procedures Act ( CPPA ), D.C. Code 28-3904 ( e ), ( f ) : Prohibiting misrepresentation and omission of material facts in connection with consumer services. 

========================================================================= Given the multistate and federally regulated nature of the loan, a NAAG-coordinated review is appropriate under 5495s requirement for intergovernmental coordination to prevent regulatory evasion. 


========================================================================= All factual assertions, sworn affidavits, and certified documents are preserved in accordance with the Federal Rules of Evidence 902 and 1005. No further burden-shifting, misclassification, or procedural obfuscation by Aidvantage will be accepted. This matter now requires cross-agency supervisory action. 
========================================================================= Submitted by : XXXX XXXX XXXX

Company response to consumer: Closed with explanation