Consumer complaint received 2025-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
OFFICIAL COMPLAINT AIDVANTAGE / DEPARTMENT OF EDUCATION Subject : Aidvantage XXXX Department of Education Failure to Correct Across CRAs, Failure to Conduct a Reasonable Investigation, Inconsistent Reporting, and Multiple Violations of the Fair Credit Reporting Act ( FCRA ) To Whom It May Concern : This complaint concerns serious and ongoing violations by Aidvantage ( Department of Education servicer ) relating to the reporting and investigation of my federal student loan account, including violations of : 15 U.S.C. 1681e ( b ) Maximum accuracy requirement 15 U.S.C. 1681i Reasonable reinvestigation requirement 15 U.S.C. 1681s-2 ( b ) Furnisher duties upon receiving notice of a dispute 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) Reinsertion rules 15 U.S.C. 1681e ( a ) Reasonable procedures to assure compliance Case law interpreting FCRA standards, including XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX In short : XXXX deleted this tradeline in XX/XX/XXXX due to verification failure, Aidvantage responded to CFPB with unreadable, illegible documents, and the account remains deleted on XXXX as of XX/XX/XXXX, yet XXXX and XXXX continue reporting it as if verified. 
This is textbook noncompliance and willful violation of federal law. 

1. FAILURE TO CORRECT ACROSS ALL CRAs FCRA 1681s-2 ( b ) Under 1681s-2 ( b ), once a furnisher receives a dispute from a CRA or the CFPB , the furnisher MUST : Conduct a reasonable investigation Review ALL relevant information Correct inaccuracies Report the results Update ALL CRAs to maintain consistent reporting Aidvantage failed each step XXXX 

XXXX  DELETED the tradeline in XX/XX/XXXX Under 1681s-2 ( b ) ( 1 ) ( D ), a furnisher must promptly notify all CRAs if information is inaccurate or can not be verified. 

Experian is still reporting it TransUnion is still reporting it This violates the FCRA because a loan can not be verified on one bureau and unverifiable on another. 

Federal courts have held : XXXXXXXX XXXX XXXX ( 3d Cir. 1997 ) CRAs and furnishers must conduct more than a perfunctory investigation they must review all information provided. 

XXXXXXXX XXXX XXXX ( N.D. Cal. 2010 ) A furnisher must ensure all CRAs are updated consistently after resolving a dispute. 

XXXX v. XXXX ( 4th Cir. 2004 ) A furnishers investigation must be reasonable, not superficial.

Aidvantage violated all of this.

2. ILLEGIBLE DOCUMENTS PROVIDED IN PRIOR CFPB COMPLAINT ( XX/XX/XXXX ) When I filed a CFPB dispute in XX/XX/XXXX, Aidvantage uploaded documents that were : unreadable blurry incomplete not legible incapable of supporting verification Under FCRA 1681i ( a ) ( 4 ), a furnisher must provide meaningful evidence supporting the accuracy of the information.

Providing illegible documents is equivalent to providing no evidence at all.

This is a willful failure to properly investigate This strengthens a federal lawsuit This supports punitive damages under 1681n ( a ) ( 2 ) 3. CONTINUED REPORTING AFTER DELETION = ILLEGAL REINSERTION ( FCRA 1681i ( a ) ( 5 ) ( B ) ) Equifax deleted the tradeline in XX/XX/XXXX. 

Any future reporting of the same account requires : Certification of accuracy from Aidvantage CRAs to notify consumer within XXXX business days Neither occurred. 

Continued reporting by XXXX XXXX XXXX = unlawful reinsertion = automatic FCRA violation Courts have held : XXXX XXXX XXXX, XXXX ( 9th Cir. 2014 ) Failure to properly reinvestigate and reinsertion errors create liability. 

XXXXXXXX XXXX XXXX XXXXXXXX ( 3d Cir. 2010 ) CRAs and furnishers must act with maximum accuracy, especially in cases involving identity or verification issues. 

XXXX actions violate both. 

4. FAILURE TO MAINTAIN MAXIMUM POSSIBLE ACCURACY FCRA 1681e ( b ) Under 1681e ( b ), furnishers must ensure reporting is accurate, complete, and consistent across CRAs. 

Yet : XXXX deleted the account XXXX is still reporting it XXXX is still reporting it No bureau provided documentation proving accuracy This is inconsistent, inaccurate, misleading, and legally unacceptable.

Company response to consumer: Closed with explanation