Consumer complaint received 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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: GA

Complaint narrative:
I am writing to formally file a complaint against Aidvantage, my current student loan servicer, due to serious issues concerning inaccurate credit reporting and a breach of my personal information through the U.S. Department of Education ( DOE ). 

XXXX. Inaccurate Late Payment Reporting While in Forbearance and School Enrollment Aidvantage has reported late payments on my federal student loan account to the credit bureaus, even though I was : Actively enrolled in school, and In an approved forbearance/deferment status, as defined under the Higher Education Act ( HEA ), Section 484 ( c ).

Under 20 U.S. Code 1087e ( f ) and 1078 ( b ), while a borrower is enrolled at least half-time in an eligible institution, student loans are automatically placed in an in-school deferment status and can not legally be reported as delinquent or in default.

Furthermore, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ), furnishers of information are prohibited from reporting information they know or have reasonable cause to believe is inaccurate.

By reporting late payments during a period of authorized non-payment, Aidvantage has : Falsely damaged my creditworthiness, Violated federal statutes, and Caused significant stress, financial impact, and long-term harm.

2. Data Breach and Unauthorized Access ( DOE/DOGE Breach ) Additionally, my personal information including but not limited to my Social Security number, loan details, and contact information was accessed without my consent during a recent data breach involving the Department of Education or its third-party partners, including DOGE ( if referring to a specific vendor or portal access ).

This is a violation of : The Gramm-Leach-Bliley Act ( GLBA ) which mandates the safeguarding of personal consumer information by financial institutions, The Privacy Act of 1974, which limits the disclosure of personal information without consent, and FERPA ( 20 U.S.C . 1232g ), if educational data was accessed without authorization.

I never consented to the release or sharing of this data, and this breach has left me vulnerable to fraud and identity theft.

Relief Requested : I formally request that : All late payments reported by Aidvantage be immediately corrected or permanently removed from all credit reports ( XXXX XXXX XXXX XXXX XXXX. 
A full investigation into the illegal reporting and the basis for reporting a federal student loan as delinquent during an active forbearance and/or in-school status. 
A response and remediation plan related to the unauthorized access and breach of my personal information. 
Documentation showing Aidvantages authority and procedures during the period of inaccurate reporting. 
Notice of Intent to Pursue Legal Action If these issues are not corrected immediately, I am prepared to take legal action under : The Fair Credit Reporting Act ( FCRA ), The Fair Debt Collection Practices Act ( FDCPA ) ( where applicable ), The Privacy Act, And other relevant federal and consumer protection laws. 
This false reporting and data mishandling not only violates my legal rights but also causes ongoing and irreparable harm. 

Thank you for your attention to this matter. I request that the CFPB conduct a full investigation and compel Aidvantage and/or DOE contractors XXXX correct all inaccurate information, ensure compliance with federal consumer protection regulations, and prevent further misuse or breach of borrower data.

Company response to consumer: Closed with explanation