Consumer complaint received 2025-05-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Maximus Federal Services, Inc.
State: PA

Complaint narrative:
To Whom It May Concern, Subject : Formal Dispute of Unauthorized Access and Request for Immediate Discharge of Student Loans I am writing to formally dispute and report an unauthorized access and potential misuse of my private educational and financial information. I have become aware that XXXX XXXX or representatives acting on his behalf have had access to my private student loan and financial records, despite my never having provided consent, authorization, or any form of waiver permitting such access. 

This unauthorized access constitutes a serious violation of my rights under multiple federal privacy and consumer protection laws, including : The Family Educational Rights and Privacy Act ( FERPA ), 20 U.S.C. 1232g 34 C.F.R. Part 99 Prohibits disclosure of education records without explicit written consent.

The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Section 1681b Limits who can access credit information and under what circumstances.

Section 1681c Addresses privacy and protection of consumer report information.

The Privacy Act of 1974, 5 U.S.C. 552a Subsections ( b ) and ( e ) Restrict disclosure of personal records held by federal agencies without prior written consent and require agencies to safeguard personal data.

Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 68016827 Section 6801 ( b ) Imposes an obligation to protect the confidentiality and security of consumers nonpublic personal information. 



This breach of my privacy has caused irrevocable harm, including : Severe emotional distress from knowing my private educational and financial information has been accessed or potentially misused by a high-profile individual or entity with no legal justification. 

Exposure to risk of identity theft, reputational harm, and financial manipulation. 

A fundamental loss of trust in institutions charged with protecting the sanctity of my personal and financial data. 


Given the gravity of these violations and their direct impact on my well-being, I am formally requesting the following actions : 1. That all federal student loans associated with my name and Social Security number be immediately XXXX or canceled under applicable provisions of law, including but not limited to : XXXX XXXX XXXX of XXXX, 20 U.S.C. 1087, particularly in relation to : Borrower Defense to Repayment ( 34 C.F.R. 685.206 ( e ) ) As the Department of Education has failed to secure my records from unauthorized access.

Discharge Due to Unauthorized Signature/Identity Theft ( 34 C.F.R. 685.215 ) If any unauthorized financial information was accessed or used without proper consent.

2. ThaXXXX XXXX XXXX XXXX XXXX  launch a full investigation into the possible breach of my credit files and remove any and all data that was accessed without proper legal basis under the Fair Credit Reporting Act.

3. That I receive written confirmation from all parties ( XXXX XXXX XXXX loan servicer, and credit bureaus ) acknowledging receipt of this dispute and outlining the steps that will be taken to remediate this situation. 



I am prepared to escalate this matter to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Federal Trade Commission ( FTC ), and legal counsel if this request is not addressed with the urgency and seriousness it demands. 

Please consider this letter a formal legal notice and preserve all logs, records, and access histories relating to my student loan accounts and credit information. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation