Consumer complaint received 2025-03-19 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Maximus Federal Services, Inc.
State: PA

Complaint narrative:
To Whom It May Concern : I am filing this formal complaint against the Department of Education/Aidvantage ( `` Creditor '' ) and the credit reporting agencies XXXX, XXXX, and XXXX ( XXXX Bureaus '' ) for multiple violations of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Higher Education Act ( HEA ). This complaint addresses the continued inaccurate and inconsistent reporting of my student loan accounts despite ongoing requests for validation. 

I. Accounts in Dispute The following Department of Education/Aidvantage student loan accounts are reported inaccurately across multiple credit bureaus : Inconsistent and inaccurate reporting across bureaus Department of Education/Aidvantage mismanaged my accounts providing Inconsistent and inaccurate reporting across bureaus II. Legal Violations XXXX. Violations of the Fair Credit Reporting Act ( FCRA ) : The Department of Education/Aidvantage and the credit reporting agencies have violated the FCRA in the following ways : FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) Failure to maintain maximum possible accuracy : The student loan accounts are reported inconsistently across the three credit bureaus. For example, XXXX lists one loan as " Pays as Agreed, '' while XXXX and XXXX inaccurately report delinquency and late payments. 

FCRA 623 ( a ) ( 15 U.S.C. 1681s-2 ( a ) ) Duty of furnishers to provide accurate information : The Department of Education/Aidvantage failed to provide consistent information to the credit bureaus, creating conflicting records.

FCRA 611 ( a ) ( 15 U.S.C. 1681i ( a ) ) Duty of credit reporting agencies to investigate disputes : The credit bureaus have repeatedly failed to conduct a reasonable investigation into my prior disputes. Despite multiple disputes and requests for correction, the bureaus have not corrected or removed the inaccurate information. 

XXXX. Violations of the Fair Debt Collection Practices Act ( FDCPA ) : The Department of Education/Aidvantage violated the FDCPA by : FDCPA 809 ( 15 U.S.C. 1692g ) Failure to validate debt : Aidvantage has failed to provide proper documentation verifying the accuracy and legitimacy of the reported information despite formal requests.

FDCPA 807 ( 15 U.S.C. 1692e ) Misleading and deceptive representation : Aidvantage reported conflicting account statuses across bureaus, creating confusion and misrepresenting the accuracy of my payment history. 

XXXX. Violations of the Higher Education Act ( HEA ) : The Department of Education/Aidvantage violated the HEA by : HEA 484 ( 20 U.S.C. 1091 ) Borrower Eligibility and Repayment Status HEA 432 ( 20 U.S.C. 1082 ) Secretary of Educations Authority and Reporting Guidelines HEA 485B ( 20 U.S.C. 1092b ) National Student Loan Data System ( NSLDS ) Accuracy Requirement Aidvantage has had significant inaccurate information about my identity ( e.g., wrong address, incorrect account numbers, payment history, and status, this constitutes a failure to maintain accurate records under HEA 485B.

Aidvantage misreported payment history or status 's due to incorrect borrower information, it represents a direct violation of this section. 
i validated the incorrect account information when contacting them to which they could not provide correct account information on all accounts.

HEA 493A ( 20 U.S.C. 1098a ) Prohibition on Misleading Information Reporting late payments during periods of approved deferment or forbearance, which is prohibited under federal student loan guidelines.

Failing to properly classify the loan status according to the terms of the Higher Education Act. 

Misrepresenting the loans repayment status in a manner that damages my credit standing. 

XXXX. Harm and Damages As a result of these violations : My credit score has been severely impacted by the false reporting of late payments and inconsistent account status. 

My ability to secure favorable loan terms and other forms of credit has been harmed. 

The emotional distress and financial damage caused by these inaccurate reports have been substantial. 

IV. Requested Resolution In light of the numerous violations and the creditors failure to comply with federal law, I formally demand : Complete deletion of the referenced Department of Education/Aidvantage loan accounts from my XXXX, XXXX, and XXXX credit reports. 

Removal of all associated late payments, delinquency notations, and negative marks. 

Confirmation of the deletion within the statutory 30-day window required by the FCRA.

V. Notice of Intent to Escalate If the CFPB does not compel the immediate deletion of these inaccurate accounts, I will take the following actions : File formal complaints with the Federal Student Aid Ombudsman and the Federal Trade Commission ( FTC ).

Pursue all available legal remedies, including statutory damages, under the FCRA, FDCPA, and HEA. 

Seek financial compensation for damage to my credit standing and any financial loss incurred as a result. 

creditor responses with loan repayment dates ( or lack thereof ). 
have updated credit reports to remove addresses and false personal information

Company response to consumer: Closed with explanation