Consumer complaint received 2026-03-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Maximus Federal Services, Inc.
State: NJ

Complaint narrative:
In XX/XX/year> upon regular checking on my credit report, I noticed that my credit score had gone down into the XXXX. Upon seeing this, I was concerned because I had made all of my payments on time and I was very diligent in taking care of my credit score. I had to call XXXX XXXX because I could not understand why my credit score had gone down nearly XXXX points to which XXXX XXXX had to let me know that I was delinquent on several months of my student payments with XXXX by over 120 days. I let them know thats impossible because I dont have any loans with XXXX XXXX I came to find out that XXXX had taken over my XXXX XXXX student loans, and I had not been notified of the switch in the loan company at all. Upon finding this out in my communications with XXXX, the company claims that they had sent me notification via email, to which is impossible and illegal because I did not have an account with them, and by law XXXX would have been required to send me notification via mail unless I opted into electronic communications, which is only done upon creation of an account with them to which I did not have. The very first time that I created an account with them was that same day in XXXX when I found out that the company existed at all and was allegedly in charge of my loans. I spent several months in 2025 disputing the delinquency on my credit reports both with XXXX and with XXXX XXXX and advantage refused to take any accountability in the matter. When I requested to XXXX to provide proof that they had communicated to me at all regarding the fact that they were now the handler of my federal loans and that they had sent me missed payment notifications prior to my contacting them, they failed to do so. When speaking with advantage, I asked them what the solution would be now as they had failed to notify me of any of this, and that is the cause of my loans being in delinquency. To this they responded you need to start paying your loans. I told them that they were not addressing my issue and were missing the fact that this was due to their failure to communicate and notify me that they were in charge of my loans. I asked the woman representative that I was speaking with how I could address this issue and get this corrected as it affects my financial livelihood. She responded Well maam its our word against yours, so theres nothing you can do you just have to start paying your loans. I was appalled and distraught that this company was able to completely decimate my credit score and was not accountable or responsible to make it right in any way. Even after all that I paid off the delinquency and its entirety that very same day, proof that I would have been able to pay these bills had I known they existed and that XXXX was actively collecting from me. I spent the next several months, disputing this and fighting for myself, and was met with obstacles every step of the way and my word against XXXX. It is now almost a year later and my credit score has never been corrected and I can not financially do the things that I would like to do as a result of my credit score being low.

Company response to consumer: Closed with explanation