Consumer complaint received 2025-11-03 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 this complaint against Maximus Aidvantage regarding XXXX student loan accounts currently reporting 90 days late in XX/XX/year> on my credit reports. This information is erroneous, misleading, and in violation of the Fair Credit Reporting Act ( FCRA ) as well as federal guidance regarding student loan servicing and credit reporting. 

I have never been 90 days late on my student loan payments. These alleged delinquencies were reported without any opportunity to cure, without prior notice, and without merit. This false reporting has caused substantial harm to my credit standing and misrepresents my payment history. 

Furthermore, these accounts were in compliance during the federal forbearance and on-ramp periods, during which late payments should not have been reported. Reporting these accounts as 90 days late is not only inaccurate but also illegal under federal guidance governing how servicers must report student loan payment statuses during and after these relief periods. 

Additionally, there should not be XXXX separate accounts reporting, as these loans were consolidated. This duplication inflates the appearance of negative information and further misrepresents my credit history. 

I am demanding that Maximus Aidvantage provide the following documentation to substantiate their reporting : Evidence supporting the specific delinquency reported for each account, including billing statements, payment records, and collection activity logs showing how and when they determined I was 90 days late. 

A complete payment history detailing due dates, payment dates, payment amounts received, and any deferment, forbearance, or relief applied. 

Copies of any notices allegedly sent to me prior to or at the time of the reported delinquency, as required by the Higher Education Act and FCRA to provide consumers an opportunity to cure before derogatory information is furnished.

Confirmation of servicing continuity since the loans transferred between servicers, including documentation showing that records were not improperly re-aged or duplicated. 
If Maximus Aidvantage can not provide valid evidence of these delinquencies and continuity of accurate records, I demand that : All 90-day late payment entries be permanently deleted from my credit reports with all credit bureaus. 

All affected accounts be updated to reflect Paid as Agreed Never Late. 

Any duplicate or improperly re-aged accounts be removed entirely from my credit report. 

Sending only a promissory note does not constitute adequate verification of the reported delinquency or payment history under the FCRA. 

I request an immediate investigation into this matter and written confirmation that these inaccuracies have been corrected across all credit bureaus. If this issue is not resolved promptly, I will pursue further legal and regulatory remedies with the Department of Education, Federal Trade Commission, and other oversight agencies as necessary.

Company response to consumer: Closed with explanation