Consumer complaint received 2026-02-24 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: CA

Complaint narrative:
To whom this may concern : I am submitting this complaint regarding the credit reporting practices of Aidvantage relating a federal student loan account that has since been paid in full. My student loan payment was due on XX/XX/2025. Due to temporary, but dire family financial circumstances, the account became delinquent and was reported as XXXX days late as of XX/XX/2025. I brought the account current on XX/XX/2025, and shortly thereafter paid the loan balances in full. ( Screenshot of account status page is attached. ) All loan accounts are fully satisfied and were closed in good standing by XX/XX/2025, and Aidvantage issued Paid in Full confirmation letters ( attached ). I requested that Aidvantage consider a goodwill adjustment or suppression of the XXXX late reporting, given the fact that the account is over XXXX old, I have a long and consistent repayment history, the delinquency was promptly cured, the loans were paid in full shortly thereafter, and the creditor suffered no loss. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) and applicable case law, furnishers must ensure that reported information is not materially misleading. While the delinquency may have been technically accurate at the time it occurred, continued reporting of a severe delinquency without proportional consideration of the prompt cure and full payoff creates a misleading impression of overall risk. My credit score has been demolished by the reported information, does not fairly reflect my long and mutually beneficial relationship with Aidvantage, and does not authentically convey my creditworthiness. Importantly, nothing in the FCRA requires furnishers to report negative information, and furnishers retain discretion to suppress tradelines as a matter of goodwill and fairness. The California Consumer Credit Reporting Agencies Act ( Civil Code 1785.25 ( a ) ), also confirms that furnishers may not provide information to consumer reporting agencies if the information is incomplete or misleading. Continued reporting of a severe delinquency without meaningful consideration of the prompt cure and full satisfaction of the debt creates a materially misleading impression of ongoing credit risk. XXXX report devastated my credit score, and I have been denied credit as a result. Due to my unique circumstances, I respectfully request that Aidvantage exercise its discretion to suppress or remove the reported XXXX delinquency. The following factors mitigate in favor of Aidvantage exercising its discretion : The lengthy and consistent repayment history of the loans. The delinquency was fully cured. The entire loan balance was paid in full shortly thereafter. The account is now closed with a zero balance. The creditor suffered no financial loss. Continued reporting serves no ongoing credit risk function. I am simply requesting that Aidvantage exercise its lawful discretion to ensure that my credit reporting is fair, complete, and not materially misleading. I respectfully request that Aidvantage review this matter at an executive level and consider granting a goodwill adjustment to remove the XXXX delinquency from my credit reports. I thank you all for your consideration.

Company response to consumer: Closed with explanation