Consumer complaint received 2025-05-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Maximus Federal Services, Inc.
State: MA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the validity and accuracy of the student loan account currently being serviced by Aidvantage, originally under the management of XXXX and originating with XXXX XXXX. My dispute is based on the following : Origination & Contractual Concerns The loan ( s ) in question were initially originated with XXXX XXXX. I have not knowingly or willingly entered into any binding contractual repayment agreement with Aidvantage. There is no signed contract or amendment between myself and Aidvantage that lawfully assigns them the authority to enforce repayment under thier terms. Per contract law, specifically the Uniform Commercial Code ( UCC ) Article 3-302 and Restatement ( Second ) of Contracts 317, any assignment of a contract must be valid and disclosed to the obligated party. I assert that no such valid and acknowledged assignment has occurred. 

Violation of Consumer Protection Laws Additionally, under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 et seq. ), I have the right to request verification and detailed proof of the debt, including the full chain of custody, original signed promissory notes, and any agreements showing a legal transfer of servicing rights. I hereby request these documents. Failure to provide adequate verification may be construed as an attempt to collect an unsubstantiated debt.

Breach of Privacy & Unauthorized Third-Party Involvement Recent reports and disclosures regarding the involvement or access of XXXX Musk and/or affiliated private entities in federally serviced or private student loan data raises serious legal and ethical concerns. If my private student loan or personal credit information has been shared or accessed without my explicit consent, this constitutes a violation of my rights under the Privacy Act of 1974 ( 5 U.S.C. 552a ), as well as the Gramm-Leach-Bliley Act ( GLBA ) and potentially the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ).

If this unauthorized access or sharing has occurred, I consider the contract to be breached. I did not consent to have my personal or financial information transferred into the hands of a non-governmental third party, especially one not named in the original agreement.

Requested Action : Provide a complete validation of the debt and legal documentation showing your right to enforce it. 

Provide evidence of any legal transfer of servicing rights from XXXX XXXX to Aidvantage, including consumer consent. 

Provide a record of any third parties who have accessed my information and under what authority. 

Cease all collection attempts until proper validation is provided. 

If you are unable to satisfy these requests, I demand that the account be closed and all records of it removed from my credit reports with all major credit bureaus in compliance with the FCRA. 

Please respond within 30 days of receipt of this letter, as required under applicable federal law. I am prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and, if necessary, pursue legal recourse. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation