Consumer complaint received 2025-08-29 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: AL

Complaint narrative:
Dear Federal Student Aid, XXXX XXXX & US Department of Education-DOE , XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX  , contacted US DOE [ Department of Education ] in XX/XX/XXXXXXXX  and was assured all educational loans were in forbearance, active steps were being implemented in retraction of late payment reporting, from all 3 credit bureaus, and MY Educational Loan accounts were being made current [ that included, if necessary, retroactive forbearance and payment pause during times of false XXXX  in XXXX XXXX XXXX  ]. I later discovered, DOE, under Biden-Harris administration had placed MY Educational Loans in a forbearance status on XX/XX/XXXX, XXXX ( please see pages XXXX, XXXX XXXX ), of which, Aidvantage, the servicer, refuses to acknowledge. In fact, a number of Income Driven Repayment Plans, IDR, were placed in an administrative forbearance XXXX, XXXX of XXXX pending an injunction. 

Aidvantage is fraudulently and recklessly reporting late payment to all 3 credit bureaus, and defiantly refuses to correct that grossly inaccurate information. Most egregious, I am XXXX  XXXX  and XXXX  XXXX ( deemed so by Social Security Administration, SSA, as of XX/XX/XXXX, XXXX ), and should have received an automatic XXXX  discharge. I have no reportable taxable income, nor any earned income, since receiving XXXX payments in XXXX of XXXX  ( 9 years ago ). 

I should have been automatically identified by SSA and DOE data matching process for XXXX  discharge over 4 years ago. The fact that late payments are being reported, when I should have been GRANTED AUTOMATIC XXXX  DISCHARGE, is a direct result of the systemic failure OF THEM FAILING TO PROCESS THAT AUTOMATIC DISCHARGE WITHIN THE LAST 4-YEARS, AND, FAILING TO TIMELY PROCESS THE PENDING MANUAL XXXX  DISCHARGE APPLICATION THAT HAS BEEN IN REVIEW FOR OVER 180 DAYS [ XXXX MAILED XXXX XXXX, AND DELIVERED ON XXXX ]. 

In addition, extremely extenuating circumstances, like being falsely XXXX  in XXXX XXXX XXXX  under color of law during the dates of XX/XX/XXXX, XXXX through XX/XX/XXXX, XXXX, prevented annual recertification of IDR plan in XXXX of XXXX. Nonetheless, all education loans were placed in forbearance on XX/XX/XXXX, XXXX under Biden-Harris administration , and Aidvantage defiantly refuses to acknowledge these facts, nor retract the grossly inaccurate delinquent reporting. 

AIDVANTAGE IS IN DIRECT VIOLATION OF FAIR DEBT COLLECTION PRACTICES ACT 15 USC 1692, 1681 & FEDERAL CONSUMER FINANCIAL PROTECTION ACT OF XXXX ( XXXX ). AS AIDVANTAGE, a loan servicer, IS ENGAGING IN UNLAWFUL, UNFAIR, DECEPTIVE, ABUSIVE ACTS & PRACTICES [ UDAAPs ] AND THEIR ADVERSE REPORTING CONSTITUTES FRAUD, ABUSE, TARGETED EXPLOITATION, AND EXTORTION. I AM DISPUTING AIDVANTAGESS ADVERSE CREDIT REPORTING AND DEMANDING RETRACTION OF SUCH REPORTING BE MADE TO ALL 3 CREDIT BUREAUS ( XXXX, XXXX, & XXXX  ) NO LATER THAN XX/XX/XXXX, XXXX OR LEGAL LAWSUIT WILL COMMENCED IN FEDERAL COURT. I ATTEST, AFFIRM, AND CERTIFY ALL INFORMATION VERY ACCURATE AND VERY TRUTHFUL.

Company response to consumer: Closed with explanation