Consumer complaint received 2024-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Maximus Federal Services, Inc.
State: MO

Complaint narrative:
1. On XX/XX/XXXX, I pulled my credit report and discovered how Aidvantage has been furnishing my income and transaction history to credit reporting agencies. Such is considered income due to the fact that the reported monthly amounts that Aidvantage falsely claim is due to them ; are in fact interest/dividend/gains etc., released through the purchase of my note/application ( being the derivative transaction of my tendered, endorsed and signed registered security ) are due and payable to the consumer. Per the Internal Revenue Service, gains are considered taxable income, and my income is non-public personal information that Aidvantage has furnished without my written or oral consent to the unauthorized agencies/non-affiliates XXXX, XXXX and XXXX. Those entities are 3rd party companies. 2. Due to the said actions of Aidvantage, I have faced socioeconomic discrimination in regard to credit transactions and I have been injured by the furnishings ( of my non-public personal information provided to a financial institution ) of the respondent. I have been denied credit and access to my human right of realization pursuant to 42 USC 1981. Pursuant to 15 USC 1681b Permissible Purposes ( 2 ), the respondent was never granted written consent. If in any way the respondent was granted written consent, it was granted to the respondent by way of extrinsic fraud and I the consumer rescind the respondent 's authority. The respondent 's unauthorized actions act as unauthorized use of my credit card and the action taken against me has caused emotional damage and distress. It is humiliating and embarrassing being denied my own credit. 3.Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization that I, the consumer may have given the respondent with or without proper consideration, written, unwritten, verbal or non-verbal pursuant to 15 USC 6802 . I was never provided adequate notice that I can opt out of the disclosure of nonpublic personal information to a nonaffiliated third party. 4. Extrinsic fraud is an act of deception or misrepresentation outside the event itself which deprives the victim of material information or participation. Failing to inform the account holder [ omission ] of key material facts during the IPO is securities fraud. My original promissory note served as an application. Application means an oral or written request for an extension of credit that is made in accordance with procedures used by a creditor for the type of credit requested. 12 CFR Subchapter A part 202. 5. If the respondent 's answer to this complaint is served upon me by an attorney or any member of the XXXX XXXX XXXX, I would hope they heavily consider their oath whereas it states " I solemnly swear that I will support the Constitution of the United States, that I will faithfully discharge the duties of the office of attorney, and that I will conduct myself at all times with integrity and civility. '' Any action against this oath is misconduct and actionable per se.

Company response to consumer: Closed with explanation