Consumer complaint received 2025-09-16 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: TX

Complaint narrative:
I am filing a complaint regarding inaccurate and unfair credit reporting by my federal student loan servicer, Aidvantage. 

I have a positive student loan payment history spanning over 15 years. My account has been on autopay for the majority of that time. My loans have also been transferred between different servicers at least XXXX times. During these transfers, my minimum monthly payment amount changed, but I was never informed that my autopay was no longer covering the full minimum due. 

My Aidvantage account history confirms that payments were made every month, including {$120.00} in XX/XX/XXXX, {$120.00} in XX/XX/XXXX, and {$120.00} in XX/XX/XXXX, as well as {$200.00} in XX/XX/XXXX. Despite these ongoing payments, Aidvantage reported me as 90 days late in XXXX and XX/XX/XXXX. 

This reporting is inaccurate for three reasons : XXXX. Payments Were Made : Payments were received in XXXX, XXXX, and XX/XX/XXXX. Even if they were slightly below the required minimum ( which I did not know had changed ), it is inaccurate to report that no payments were made for XXXX days. 
XXXX. Deferment Effective XX/XX/XXXX : My deferment was approved beginning XX/XX/XXXX through XX/XX/XXXX ( see attached Aidvantage approval letter ). Once deferment began, no payments were due. Reporting me as delinquent in XX/XX/XXXX is factually wrong.

3. XXXX XXXX and Autopay Issues : My loans were transferred between multiple servicers, and during those changes the minimum due was increased without my knowledge. Because my account was on autopay, I reasonably believed my account was being paid correctly.

Additionally, Aidvantages own deferment letter states : Any delinquency on your account has been addressed with a separate forbearance. When your repayment resumes, you will not be delinquent on the loans. Despite this assurance, they have continued to furnish delinquency information to XXXX. 

By reporting me as 90 days late in XXXX retroactively and XX/XX/XXXX despite receiving payments, despite my deferment being effective as of XX/XX/XXXX, and despite the servicers failure to properly notify me of payment changes following loan transfers, Aidvantage is furnishing inaccurate and incomplete information in violation of the Fair Credit Reporting Act ( FCRA ). 

I also note that I lost my job in XX/XX/XXXX, which is why deferment was granted. I have been a responsible borrower for more than 15 years, and this sudden negative reporting does not reflect my true payment history or intent. 

I request that Aidvantage and the credit bureaus correct my credit report immediately by removing the XXXX late marks for XXXX and XX/XX/XXXX. 

I have attached : Aidvantage payment history ( showing payments in XXXX, XXXX, XXXX, and XX/XX/XXXX ) Aidvantage deferment approval letter ( showing deferment beginning XX/XX/XXXX )

Company response to consumer: Closed with explanation