Consumer complaint received 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc.
State: PA

Complaint narrative:
My Husband : XXXX XXXX : My Husband : To Whom It May Concern, I am writing to file a formal complaint against XX/XX/XXXX, my student loan servicer, for engaging in unlawful, deceptive, and abusive practices related to the servicing of my student loans. I believe their actions are in violation of the Fair Credit Reporting Act ( FCRA ), the Consumer Financial Protection Act ( CFPA ), and provisions of the Higher Education Act of 1965.

Allegations : 1. Deceptive Forbearance SteeringXX/XX/XXXX repeatedly placed me into forbearance or deferment without my informed consent, even when I qualified for Income-Driven Repayment ( IDR ) plans under the Higher Education Act. This mirrors conduct outlined in the CFPBs 2017 lawsuit ( CFPB v. Navient Corp., Case No. 3:17-cv-00101 ), which alleged that XX/XX/XXXXsystematically steered borrowers into forbearance to maximize servicing revenue violating CFPA 1036 ( 12 U.S.C. 5536 ).

2. Failure to Inform About IDR and PSLF OptionsI was misled or not informed at all about IDR and Public Service Loan Forgiveness ( PSLF ), which delayed my enrollment and caused me to lose qualifying months. This behavior contradicts servicer obligations under the Higher Education Act, specifically 20 U.S.C. 1083 ( e ) ( disclosures to borrowers ).

3. Inaccurate Credit ReportingXXXX reported false delinquency information to the credit bureaus, including a 90-day late mark during a period when my account was listed as current. This violates the FCRA ( 15 U.S.C. 1681s-2 ( a ) ), which prohibits furnishers from reporting information they know or have reasonable cause to believe is inaccurate.

4. Failure to Conduct Reasonable InvestigationsWhen I disputed the inaccuracies, XX/XX/XXXXfailed to conduct a reasonable investigation or correct the errors, violating FCRA 1681s-2 ( b ). I have previously submitted disputes with no satisfactory resolution.

5. Lack of Transparency and Servicing ErrorsMy payment records are inconsistent, interest has been miscalculated, and my questions to XX/XX/XXXXrepresentatives have been met with contradictory or vague answers, further contributing to mismanagement and borrower harm.

Impact on Me : These practices have caused me : - Financial harm due to inflated interest and delayed forgiveness- Emotional distress- Credit score damage due to inaccurate negative reporting- Loss of time and opportunity while trying to correct these errors Requested Resolution : A fair resolution would include : - Full correction of my credit report, including the removal of false late payments- Retroactive application of all qualifying repayment and forgiveness months for PSLF or IDR programs- Refund of improper interest charges or fees that accrued due to unlawful servicing- Compensation for the financial and credit-related harm caused by XX/XX/XXXXXX/XX/XXXX practices- A written acknowledgment of the errors and commitment to lawful servicing practices- Direct support from a knowledgeable case handler to ensure these resolutions are implemented promptly I am requesting the following actions : - A full investigation into XX/XX/XXXXservicing of my student loans- Correction of all inaccurate payment history and credit reporting- Review and retroactive application of IDR/PSLF credit where eligible- Immediate cessation of deceptive or illegal practices- Compensation for financial harm caused by these violations Please confirm receipt of this complaint and let me know if you require any supporting documentation, which I am happy to provide.Thank you for your attention to this serious matter. I am seeking relief and accountability under the FCRA, CFPA, and all applicable borrower protections. 
Sincerely, XXXX

Company response to consumer: Closed with explanation