Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
XXXX is reporting an alleged student loan tradeline they can not verify, can not validate, and can not prove legal ownership or servicing rights for. The U.S. Department of Education stated on XX/XX/year> that they are NOT the appropriate party to address this issue, which means the alleged debt is not properly tied to DOE and raises serious chain-of-title concerns. Despite DOE denying responsibility twice, Aidvantage  continues furnishing data to XXXX  and XXXX without proof of authorization. 

XXXX  DELETED this alleged account in XX/XX/year> under FCRA 1681i ( a ) ( 5 ) ( A ) for unverifiable information. Once a furnisher fails verification with one CRA, federal law requires updates across ALL CRAs under : 1681s-2 ( b ) ( 1 ) ( D ) duty to correct 1681s-2 ( b ) ( 1 ) ( E ) duty to update all CRAs consistently Aidvantage violated both by continuing to report the account to XXXX and XXXX  despite being unable to verify it for XXXX. Reporting the same unverifiable debt to some CRAs but not others is inaccurate furnishing under 623 ( a ) ( 1 ) ( A ).

Aidvantage also violated its investigation duties under : 1681s-2 ( b ) ( 1 ) ( A ) no reasonable investigation 1681s-2 ( b ) ( 1 ) ( B ) failure to review all information 1681s-2 ( b ) ( 1 ) ( C ) inaccurate results 1681s-2 ( b ) ( 1 ) ( D ) failure to correct 1681s-2 ( b ) ( 1 ) ( E ) inconsistent reporting Aidvantage/Maximus provided no verification, no method of verification, no owner identification, and no servicing-transfer documentation, violating FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ).

To date, they have provided none of the legally required documents, including : Full chain of title Ownership and servicing rights Master Promissory Note ( MPN ) Notice of Loan Transfer ( NOLT ) Payment history Servicing-transfer logs Documents relied upon for verification ACDV and e-OSCAR dispute records All documents used to verify with Experian and TransUnion This constitutes identity misattribution as defined under FCRA 603 ( q ), because no party has proven a legal relationship to me, and DOE has already denied responsibility. A furnisher can not claim the right to report a debt they can not prove they service or own.

Aidvantages inconsistent CRA reporting, refusal to provide verification, and inability to prove servicing authority constitute willful FCRA non-compliance and violate the Furnisher Rule ( 12 CFR 1022.43 ).

This alleged account is NOT mine unless Aidvantage can produce full chain-of-title and legal servicing authority. Until then, reporting it as my debt is inaccurate, unverifiable, and unlawful. 

XXXX has repeatedly failed to conduct a lawful verification or reinvestigation. In their prior CFPB response, they submitted illegible, cropped, incomplete, and missing pages in violation of FCRA 1681s-2 ( b ) ( 1 ) ( A ) - ( C ) and the Furnisher Rule 12 CFR 1022.43 ( b ) ( 1 ), which require furnishers to review all information, provide complete documentation, and conduct a reasonable investigation. An investigation based on unreadable or missing documents is not reasonable under XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX, and XXXXXXXX XXXX XXXXXXXX. 

Further, XXXX  deleted this alleged account in XX/XX/year> under 1681i ( a ) ( 5 ) ( A ) due to unverifiable information. Once a furnisher fails verification with one CRA, they are required to update ALL CRAs consistently under 1681s-2 ( b ) ( 1 ) ( D ) & ( E ). Aidvantage/Maximus violated this by continuing to report the account to XXXX  and XXXX. 

Aidvantage/Maximus has provided no chain-of-title, no proof of ownership, no proof of servicing rights, no MPN, no NOLT, and none of the documents legally required to verify this alleged loan. DOE already stated on XX/XX/year> that they are not the appropriate party, which means Aidvantage/Maximus is furnishing without confirmed authorization, resulting in identity misattribution under FCRA 603 ( q ).

I am demanding : Full chain of title Proof of ownership and servicing authority Complete, readable, unredacted documents All ACDV and e-OSCAR records used to verify the account Explanation for the XXXX  deletion Deletion from XXXX  and XXXX  if they can not verify I am preserving all evidence for federal FCRA litigation.

Company response to consumer: Closed with explanation