Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
Aidvantage continues to report inaccurate student loan delinquency despite prior disputes and lack of proper investigation. 
What happened : I am filing this follow-up complaint against Aidvantage regarding my federal student loans. Despite multiple disputes through both the credit bureaus and the CFPB, Aidvantage continues to report inaccurate, outdated, and misleading delinquency information to the credit reporting agencies. I was informed that my loans had been transferred from XXXX to Aidvantage by the Department of Education in XX/XX/XXXX. However, Aidvantage claims that I was past due for 188 days, and they are refusing to remove this information even though the account is now in good standing following an administrative forbearance processed on XX/XX/XXXX. 

Their continued reporting of this negative history is severely impacting my creditworthiness. According to Aidvantage, the delinquency occurred before the forbearance was applied, which contradicts the intent of administrative relief and the credit protection guidelines established for federal loan servicers during account transitions and hardship periods. 

What Ive done to resolve this issue : Ive disputed the account directly with Experian, Equifax, and TransUnion, and Aidvantage verified the account as accurate. 
I previously filed a CFPB complaint asking for a full investigation and deletion of the derogatory marks, yet the same inaccurate information was reaffirmed and continued to be reported. 
I also contacted Aidvantage directly and was provided with a generalized template response, failing to address the specific harm caused by this reporting or the inconsistencies in their records. 
I have not received any proper investigation into whether the delinquency occurred during a hardship or protected period, nor a reconciliation with my payment records. 
I have not received documentation showing that I was properly notified about the delinquency during the transfer from XXXX to Aidvantage. 

Why I believe this is a violation : This account was not delinquent due to non-payment, but due to poor servicing practices during a transition between loan servicers. 
Aidvantage failed to properly investigate and respond to my disputes under the Fair Credit Reporting Act ( FCRA ), which mandates data furnishers to conduct a reasonable investigation and correct or delete inaccurate, incomplete, or unverifiable information. 
By continuing to report derogatory information after the account was brought current through administrative forbearance, Aidvantage is misleading creditors and violating the intent of borrower protection guidelines. 
They have not provided me with a clear breakdown of the dates and how they calculated the delinquency period, nor proof of proper servicing practices during the transition. 
I previously submitted a dispute regarding the inaccurate reporting of my student loan account by Aidvantage. Despite my formal request, Aidvantage continues to report negative information to the credit bureaus, which I believe is inaccurate and misleading. I have repeatedly asked Aidvantage to provide full documentation to validate the reporting, including : Original signed Master Promissory Note ( XXXX signature ) Complete payment history from origination Chain of assignment or servicing history from XXXX to Aidvantage Detailed accounting ledger showing how payments were applied Proof of legal authority to furnish or verify the data Instead, they only provided a restated general servicing policies. This does not satisfy the documentation requirements under the Fair Credit Reporting Act ( FCRA ) to verify disputed information. Additionally, they confirmed the loans were brought current through an administrative forbearance, which calls into question the accuracy of the delinquency reporting. 

Aidvantage is also ignoring my direct requests for supporting documentation and has failed to meet their obligations under FCRA 15 U.S.C. 1681s-2 ( b ), which requires furnishers of information to investigate and correct inaccuracies when a dispute is submitted. 

I am formally requesting the CFPB to investigate this matter and hold Aidvantage accountable for : Failing to provide full verification documents as required Continuing to furnish inaccurate, incomplete, or unverifiable information Failing to reasonably investigate my dispute What I want : Immediate removal of all negative information related to this student loan account A complete set of all documentation requested, including wet-signed promissory note and full payment/accounting history Cease and desist from further inaccurate reporting Sanctions if necessary for noncompliance or deceptive practices

Company response to consumer: Closed with explanation