Consumer complaint received 2025-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Maximus Federal Services, Inc.
State: DC

Complaint narrative:
Subject : Debt Validation Request and Demand for Removal of Inaccurate Information Dear Aidvantage, I am writing in response to the debt collection notice you have provided regarding the alleged student loan debt under the following account numbers : DEPT OF EDXXXX XXXX Loan, Account # XXXX DEPT OF EDXXXX XXXX Loan, Account # XXXX DEPT OF EDXXXX XXXX Loan, Account # XXXX DEPT OF EDXXXX XXXX Loan, Account # XXXX DEPT OF ED/XXXX  XXXX Loan, Account # XXXX DEPT OF EDXXXX XXXX Loan, Account # XXXX DEPT OF EDXXXX XXXX Loan, Account # XXXX As a consumer, I am invoking my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) to request validation and verification of the alleged debt. In accordance with these federal consumer laws, I demand the following : 1. Full validation of the debt : Provide the original promissory note, including my wet signature on any documents related to this alleged debt.

2. Verification of the debt amount : Supply clear and accurate documentation that explains how the amount claimed was calculated.

3. Chain of custody : Provide proof of all assignments showing the transfer of this debt from the original creditor to any other entities.

4. Securitization of the debt : If this debt was securitized, provide evidence of how and when this occurred.

5. Permissible purpose : Please explain your permissible purpose for accessing my credit report under the FCRA. 

Privacy and FERPA Violations It has come to my attention that XXXX XXXX and XXXX have violated my privacy rights and protections under the Family Educational Rights and Privacy Act ( FERPA ) by accessing or using personal information without proper authorization. As a result, my sensitive data has been compromised, which directly violates my right to privacy under federal law. 
Due to these breaches, I demand that all inaccurate and unverifiable information pertaining to my student loans and personal data be immediately removed from all records and reports. 

Demand for Action I hereby dispute the validity of the debt and demand that no further collection activity take place until you provide full validation. Furthermore, you are instructed to cease and desist all collection efforts, including communication, and ensure that no inaccurate information is reported to the credit bureaus.

Failure to provide full validation and to address these FERPA and privacy violations will leave me no choice but to pursue legal action under both federal consumer protection laws and privacy statutes. This includes, but is not limited to, filing lawsuits for : Violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ) Breach of the Fair Credit Reporting Act ( FCRA ) Invasion of privacy under FERPA Additionally, I will explore all options for damages and seek compensation for any harm caused by your continued negligence.

Please ensure that your response is provided within 1 days of receipt of this letter, as stipulated by federal law. 

Thank you for your prompt attention in this matter

Company response to consumer: Closed with explanation