Consumer complaint received 2025-08-10 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:
RE : Account XXXX XXXXXXXX Fraudulent Loan Discharge Request To Whom It May Concern, This letter is in direct response to your XX/XX/XXXX, request for additional documentation and your subsequent XX/XX/XXXX, CFPB response. I have already provided Aidvantage with a valid FTC Identity Theft Report, sworn affidavit, proof of identity, and all supporting documentation in my possession. 
The additional items you are now demanding such as signature samples from XXXX, address records from that period, and proof of payment for a loan I never authorized are not in my possession because I did not open or authorize this account. As the victim of identity theft, I can not produce documents that never existed. 
The promissory note you attached is not valid proof that this debt belongs to me. Under FCRA 605B and 34 CFR XXXX, you must provide reasonable evidence that the loan is mine before continuing to report or collect on it. A copy of a promissory note with a disputed signature does not meet this standard because : 1. Signature Dispute I have sworn under penalty of perjury that the signature on that note is not mine. 2. No Original Document Authentication You have not provided the original promissory note with a documented chain of custody from origination to present.

3. No Identity Verification Records There is no proof of in-person identification, such as a copy of my government-issued ID from the time of signing, with my signature witnessed and verified by school or loan personnel.

4. No School Enrollment or Disbursement Proof You have not provided certified school records confirming my attendance, disbursement dates, or that funds were applied to my student account. 5. No Payment Transaction Records You have not shown proof of where and how funds were deposited or disbursed, with routing/account numbers matching an account under my control.

For actual legal validation, you would be required to produce all of the following : - The original, wet-ink signed promissory note with full chain-of-custody documentation ; - A government-issued photo ID from the time of loan origination, witnessed and verified by the school or lender ; - Certified school enrollment and attendance records for the period in question ; - Proof of disbursement showing the exact account ( s ) the funds went to ; - Payment history records showing I personally made payments toward this loan ; - Any communications or applications from me containing my verified signature and matching identity documents.

Without this level of verifiable evidence, the account is unsubstantiated and must be removed. Continuing to delay review or demand impossible documentation is a violation of your legal obligations. If you can not determine authenticity from the records you already have, that is an admission the account is unverifiable and must be discharged.

I am now formally demanding that Aidvantage : 1. Complete the fraud discharge determination within 15 calendar days based on the documentation already submitted.

2. Provide me with a written statement confirming the fraudulent loan will be discharged and deleted from all credit reports, OR provide a legally sufficient explanation for denial supported by verifiable evidence as outlined above.

Failure to comply will result in immediate escalation to the U.S. Department of Educations Federal Student Aid Ombudsman Group, additional CFPB complaints, and pursuit of legal remedies for continued violations of the Fair Credit Reporting Act and the Higher Education Act.

This is your final opportunity to resolve this matter without further escalation.

Company response to consumer: Closed with explanation