Consumer complaint received 2025-09-18 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Maximus Federal Services, Inc.
State: PA

Complaint narrative:
I am filing a formal complaint against Aidvantage in their capacity as a purported loan servicer or debt collector on an alleged federal student loan account. Aidvantage has repeatedly violated federal laws, obstructed my lawful rights to debt validation and full disclosure, and has failed to verify that it has legal standing to collect on the alleged account. 

XXXX detail the statutory violations and unresolved concerns below. 

( I. ) VIOLATIONS OF THE FAIR DEBT COLLECTION PRACTICES ACT ( FDCPA ) 15 U.S. Code 1692g Validation of debts Under 15 U.S.C. 1692g ( b ), I exercised my right to request proper validation of the alleged debt. This request was sent via certified mail and was not responded to within 30 days. Aidvantage failed to : Provide a copy of the original promissory note with my wet-ink signature Provide documentation establishing a chain of assignment or transfer Provide a full purchase or servicing agreement Provide proof of lawful standing or agency By refusing to respond or provide legally mandated documentation, Aidvantage is actively violating FDCPA provisions concerning debt validation, verification, and consumer rights.

( II ). VIOLATIONS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) 15 U.S. Code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies If Aidvantage is furnishing or has furnished this alleged debt to any consumer reporting agency, it is subject to obligations under FCRA. Per 1681s-2 ( a ) and ( b ) : Any disputed debt must be investigated and corrected or removed if inaccurate or unverifiable. 

Aidvantage is required to mark the account as disputed if it has not provided validation. 

It is a violation of FCRA to report an unverified or invalidated debt as collectible or delinquent. 

I have disputed this debt, and until full validation is provided, Aidvantage is prohibited from reporting or collecting on the account. 

( III ). VIOLATIONS OF THE UNIFORM COMMERCIAL CODE ( UCC ) Under UCC 3-501 and UCC 3-305 , as the alleged holder of a negotiable instrument ( promissory note ), Aidvantage is legally required to : Provide the original instrument ( i.e., promissory note ) Prove holder in due course status Establish the chain of negotiation, endorsement, and assignment Show consideration and a lawful right of enforcement No such documentation has been provided. Any attempt to collect, assign, or enforce a negotiable instrument without proper legal standing is a violation of the UCC.

( IV ). FAILURE TO DISCLOSE SECURITIZATION UNDER SECURITIES LAW Under TILA ( Truth in Lending Act 15 U.S.C. 1601 et seq. ) and the Securities Act of XXXX, if the alleged loan has been : Securitized Placed into a trust Traded as an asset-backed security ( ABS ) then the consumer has the right to full disclosure under federal law. 
I requested the following documents, which Aidvantage has refused or failed to provide : The Pooling and Servicing Agreement ( PSA ) The Mortgage Loan Schedule / Trust Identification Any CUSIP numbers associated with the alleged obligation All securities instruments created from or connected to my personal financial data or alleged loan Failure to disclose such material facts is a violation of consumer protection, contract, and securities law.

( V ). VIOLATION OF THE CONSUMER FINANCIAL PROTECTION ACT ( CFPA ) Under 12 U.S.C. 5531, Aidvantage has engaged in unfair, deceptive, and abusive acts or practices ( UDAAPs ) by : Failing to respond to lawful consumer requests Misrepresenting their legal right to collect without validation Failing to identify themselves clearly as debt collectors Potentially misusing government trademarks to appear as a federal agency These practices constitute violations of the Consumer Financial Protection Act of XXXX and must be investigated. 

Summary of Legal Failures : Violation Law Description Failure to validate debt FDCPA 1692g Did not provide documents as required Misreporting to CRAs FCRA 1681s-2 Reporting without validation No chain of title UCC 3-305 Can not prove ownership No original note UCC 3-501 No wet-ink contract produced Failure to disclose securities TILA / SEC Law Denied pooling agreement and CUSIP Unfair and deceptive practices CFPA 5531 Misleading, evasive responses Requested Remedy I am formally requesting the following actions : Full debt validation under FDCPA, including : Original wet-ink promissory note Full chain of title / custody Purchase and servicing agreement All securitization documents ( PSA, trust info, CUSIP ) Cease collection activity until all documents are produced Immediate correction or deletion of any consumer credit reporting that is not fully validated A written explanation and timeline for how Aidvantage will cure these violations

Company response to consumer: Closed with explanation