Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Maximus Federal Services, Inc.
State: OR

Complaint narrative:
LEGAL NOTICE CEASE & DESIST OF REPORTING TO CONSUMER REPORTING AGENCIES XXXX XXXX XXXX XX/XX/year> ALLEGED ACCOUNTS # XXXX To Whom It May Concern : Re : Formal Dispute of Alleged Debt Reported by DEBT COLLECTOR XXXX DEPARTMENT OF EDUCATION/AIDVANTAGE  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, VA XXXX I am challenging your ownership to collect on this alleged debt SUITCASE GO AFTER DEPT EDUCATION AIDVANTAGE XXXX BONDS TO SUE UNAUTHORIZED DOUBLE BOOKKEEPING ENTRIES BONDS, SECRET CONTRACTS, DOUBLE RECOVERY, INSURANCE FRAUD, SECURITIES FRAUD, FIDUCIARY DUTIES, ACCOUNT FORWARD FLOW AGREEMENTS, CHAIN OF ASSIGNMENT USC 1666B BILLING ERROR ALSO SEND THE BONDS INFORMATION AND THE HIGHEST BIDDER ACCOUNTS, RECEIVABLE ACCOUNTS PAYABLE ( XXXX  ) ( XXXX  ) FULL DISCLOSURE PRINCIPLE, REVENUE RECOGNITION PRINCIPLE, K-10 FORM SEC, INVESTORS DOCUMENTS CERTIFIED COPY OF PROMISSORY NOTE FRONT AND BACK NAMES OF INVESTORS OF THE PROMISSORY NOTE, SPECIAL VEHICLE DOCUMENTS INORMATION PLEASE DONT MAKE ME SUBPOENA YOUR RECORDS! 
I am writing to formally dispute the accuracy and legitimacy of an alleged debt listed on my credit report under the name of the Department of Education/AIDVANTAGE . This entry appears to reflect an obligation that your organization purports to originate, yet no valid, verifiable contractual agreement or proper documentation has been furnished to substantiate my liability. 
Pursuant to Title 15 of the United States Code and the protections provided under the Fair Credit Reporting Act ( FCRA ), I am exercising my right to contest any information in my credit report that is incomplete, inaccurate, or unverifiable. Additionally, under the Fair Debt Collection Practices Act ( FDCPA ) and established contract law principles, the burden remains with the creditor to provide a valid chain-of-assignment and any agreements evidencing a contractual obligation on my part. 
Specifically, I dispute the following : 1. Lack of Valid Documentation : No original, signed contract or any legal instrument establishing my agreement to this debt has been provided. Under contract law, any claim of liability must be supported by clear, conclusive documentation. I demand that you produce all evidenceincluding any chain-of-assignment recordsthat allegedly supports this debt. 
2. Failure to Validate the Debt : In compliance with both the FDCPA and FCRA, I request a complete validation of the alleged debt along with an itemized statement detailing the amount, interest, fees, and any other charges. Documentation verifying that the Department of Education is authorized to collect on this account is also required. 
3. Non-Compliance with Accounting Standards : If the reported balance or calculations have been prepared in contravention of Generally Accepted Accounting Principles ( GAAP ), this further invalidates the reporting. Accurate accounting standards must be observed for all financial entries, and I challenge the figures provided as inconsistent and erroneous. 
If you are unable to produce the required validation and supporting documentation within the statutory 30-day period, I demand that the disputed entry be permanently removed from my credit file. Failure to correct these inaccuracies will leave me no choice but to pursue all available legal remedies to protect my rights under federal law. 
Please send me written confirmation that you have received this dispute and specify that an investigation has been initiated. Additionally, provide copies of all documents used in your investigation and issue an updated copy of my credit report reflecting any changes once the investigation is complete. 
This letter is written without prejudice to my rights under U.S. federal law, and I expressly reserve all rights in connection with this matter. Sincerely, XXXX XXXX XXXXLiving man Beneficiary of ESTATE XXXX XXXX XXXX

Company response to consumer: Closed with explanation