Consumer complaint received 2024-10-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
Complaint to the Consumer Financial Protection Bureau ( CFPB ) Complainant Information : Name : XXXX XXXX Address : XXXX XXXX XXXX, # XXXX, XXXX, CA XXXX Email : XXXX Phone Number : [ XXXX Subject : Unauthorized Transfer of Debt, Privacy Violation, and Identity Theft Issues Details of the Complaint : I am filing this complaint regarding a debt originally held by XXXX, which was subsequently transferred to XXXX, and then transferred again to XXXX, without my knowledge or consent. This repeated transfer of my debt between various collection companies has occurred without proper notification or authorization from me, violating my privacy rights and potentially exposing me to identity theft. 

Issues with the Debt Transfer : Unauthorized Transfer : The debt was transferred from XXXX to XXXX and subsequently to XXXX without any prior notification or consent from me. This transfer process took place without providing me with a clear explanation or verification of the legitimacy of the debt and the involved parties. 
Violation of Privacy Rights : By transferring my personal information between these entities without my knowledge or permission, my privacy rights were violated. I was not informed of these transactions, nor was I given an opportunity to dispute or verify the debt before it was passed from one company to another. 
Potential Identity Theft : The unauthorized handling and transfer of my debt information raises serious concerns about the potential for identity theft. Without my consent, my sensitive information has been shared among multiple parties, putting my personal and financial data at risk. 
Lack of Debt Validation : Despite multiple requests, none of the companies involved in this transfer has provided proper validation of the debt, including documentation of the original loan agreement, verification of my responsibility for the debt, or evidence of how the amount was calculated. 
Violations : Fair Debt Collection Practices Act ( FDCPA ) : The companies have failed to provide proper validation of the debt and engaged in unauthorized transfers, violating my rights under the FDCPA. 
Fair Credit Reporting Act ( FCRA ) : Any reporting of this account to credit bureaus without validating the debt violates the FCRA. 
Right to Privacy : The unauthorized sharing of my personal information with multiple entities is a breach of my privacy rights. 
Requested Resolution : I request a thorough investigation into these practices and hold the responsible companies accountable for their violations. 
I request the immediate removal of all negative information related to this account from my credit report. 
I seek compensation for any damages caused by these unauthorized transfers and the violation of my privacy rights. 
I request that all collection activities related to this account cease until proper debt validation is provided. 
Thank you for your attention to this matter. I look forward to a resolution that protects my rights and holds these companies accountable for their actions. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation