Consumer complaint received 2025-05-10 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:
To Whom It May Concern : This matter is directly connected to the following formal complaints I filed with the Consumer Financial Protection Bureau ( CFPB ) regarding unlawful actions taken by Aidvantage and the U.S. Department of Education : Case # XXXX # XXXX # XXXX Each of these complaints documents a repeated and systemic failure by your organization to act in good faith, comply with federal lending laws or provide proper validation of the alleged debt. Despite my numerous attempts to resolve the issue through lawful channels, Aidvantage and the Department of Education have continued to enforce a debt that is both factually and legally invalid. This is no longer a mere disputeit is a documented pattern of unlawful enforcement and ongoing harm. 
I am issuing this legal notice to put your office on formal record. This student loan account, allegedly serviced by Aidvantage, does not belong to me. The contract associated with the account is not legally binding, and I reject any attempt to attach it to my name or financial records.

Key Legal Violations and Supporting Facts : 1. The Account Was Paid in Full and the School Committed Fraud The alleged loan was fully paid in 2008.

The school that received the funds was shut down for fraud, which qualifies the loan for full discharge under Borrower Defense to Repayment ( 34 CFR 685.206 ). 
Despite this, your office has continued to report and enforce this invalid account for over 15 years, which constitutes consumer abuse and actionable federal harm. 
XXXX. The Promissory Note Is Fraudulent and Unenforceable The promissory note does not contain my legal name and was not signed by me. 
I never consented to the terms and conditions of repayment. 
No repayment schedule, interest rate, or total obligation was disclosed to me as required by the Truth in Lending Act ( TILA 1631 ).

A contract can not be enforced without mutual agreement, full disclosure, and proof of consent.

3. No Legal Validation or Verification Provided I have repeatedly requested all documents required by law to validate the debt. You have failed to provide : A wet-ink original signed contract, A lawful chain of assignment, A complete disbursement history, Or any verifiable proof that I owe this alleged debt. Under FCRA 1681s-2, reporting unverifiable deb
t is illegal.

Under RESPA 2605 ( e ), failure to respond to a Qualified Written Request is a federal violation.

4. I Will Not Submit a Fraud ReportThis Is Not My Debt Demanding that I file a police report or fraud affidavit implies guilt for an act I did not commit. 
I will not file any document that could be used against me to legitimize a false claim. 
Under the XXXX Amendment, I can not be compelled to make any self-incriminating statement. 
The burden of proof lies on the creditornot the consumer. 
XXXX. XXXX XXXX and XXXX Protocols Violated The account is not being reported in compliance with the XXXX XXXX credit reporting format. 
The dispute has not been resolved using the XXXX XXXX XXXX XXXX ( CDIA ) XXXX protocol. 
You are knowingly and willfully misreporting a legally disputed and invalid debt. 
XXXX. Continuous Damage Since 2008 Legal Basis for Federal Suit I have experienced financial loss, credit damage, emotional distress, and ongoing harm due to your illegal enforcement. 
You are in violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), the Truth in Lending Act ( TILA ), and the Real Estate Settlement Procedures Act ( RESPA ). 
I reserve the right to file a federal lawsuit and pursue maximum civil damages and injunctive relief. 
Formal Legal Demands : Cease and desist all collection and enforcement activities immediately. 
Discharge and void the alleged loan account under applicable federal law. 
Permanently remove any reference to this account from my credit reports with XX/XX/XXXX 
Provide written confirmation within XXXX business days that the account has been removed and no further actions will be taken. 
Issue a formal written apology acknowledging the error, harm, and unlawful conduct.

Final Notice : I reserve all rights under UCC 1-308 without prejudice. Any further contact, reporting, or enforcement efforts regarding this matter will be considered willful violations of federal law and will be met with appropriate legal action

Company response to consumer: Closed with explanation