Consumer complaint received 2025-07-12 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: TX

Complaint narrative:
Consumer Complaint to CFPB Unauthorized and Unverified Student Loan Reporting by Aidvantage and XXXX To Whom It May Concern, I am filing this formal complaint to report serious violations of my rights under federal consumer protection laws by both Aidvantage and XXXX. I am disputing the existence, accuracy, and legality of a student loan account that has been falsely attributed to me without my knowledge, consent, or any form of contractual agreement. 

Details of Disputed Account : Creditor/Furnisher : DEPT OF ED/AIDVANTAGE Account Number : XXXX Balance Reported : {$5000.00} Monthly Payment Reported : {$53.00} Past Due Amount : {$210.00} ( as of XX/XX/XXXX ) Date Opened : XX/XX/XXXX I am reporting this account as unauthorized, fraudulent, and unverified. 

Why I Am Filing This Complaint : XXXX. I have never applied for, signed, agreed to, or authorized any loan, credit account, or financial obligation with Aidvantage or the Department of Education under this account number. 

XXXX. I have never made any payments to Aidvantage, have no knowledge of them, and was never contacted or informed that any such account was being created or transferred in my name. 

XXXX. The creditor reported this account using an address where I have not lived in over 7 months : Incorrect Address Used : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I received no written notification of any such debt, no validation of the debt, and no opportunity to dispute or verify the origin of this alleged account before it appeared on my credit report. 

XXXX. This inaccurate and unauthorized account has caused serious harm to my credit profile, including a XXXX drop in my XXXX  credit score as of XX/XX/XXXX, with no substantiating documentation or explanations. 

Violations of Law Committed by Aidvantage and XXXX  : Fair Credit Reporting Act ( FCRA ) : 607 ( b ) XXXX failed to ensure the maximum possible accuracy of the reported information. 

611 ( a ) My formal dispute was not properly investigated by XXXX 

623 ( b ) Aidvantage failed to properly investigate and verify the account upon dispute.

616 and 617 Both XXXX and Aidvantage may be liable for willful and negligent noncompliance, which entitles me to actual, statutory, and punitive damages.

Fair Debt Collection Practices Act ( FDCPA ) : 809 ( a ) & ( b ) Aidvantage has failed to send any required written notice of debt or provide validation of this debt after it was disputed. 

The failure to validate the debt and continued collection/reporting efforts constitute a violation of my rights and federal law. 

What I Am Requesting : I demand that Aidvantage and XXXX be compelled to produce full legal proof of the origin and validity of this alleged account, including : XXXX. A complete and documented chain of title/assignment showing how Aidvantage came to possess or claim ownership/servicing rights over this alleged debt. 

XXXX. A copy of the original signed promissory note or loan agreement with my wet-ink signature. 

XXXX. Copies of any and all notices of assignment, debt transfer, or servicing change sent to me with evidence of delivery to my correct address. 

XXXX. Full debt validation that complies with the FDCPA, including the name of the original creditor, breakdown of the debt, and proof of my consent. 

Relief Sought : Immediate removal of the disputed account from my XXXX credit report Written confirmation from Aidvantage and XXXX that the account has been deleted and will not be reinserted without full documentation Punitive damages and compensation for the harm caused to my credit profile, financial credibility, and peace of mind Regulatory action and oversight to ensure both parties comply with federal laws and consumer rights Documentation Provided : Copy of my government-issued ID Utility bill verifying my current address Screenshot of XXXX report showing false account and credit score drop Copy of Aidvantage letter mailed to the wrong address Prior dispute correspondence sent to XXXX Conclusion : This account is false, unverified, and unlawfully reported. I never entered into any agreement with Aidvantage, nor have I received any legal notice or debt validation. I am requesting the CFPB to investigate and enforce full compliance with the FCRA and FDCPA. If not resolved properly, I will pursue additional legal remedies for damages. 

Thank you for your assistance and swift handling of this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation