Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc.
State: WA

Complaint narrative:
ISSUE XXXX : Missing Original Master Promissory Note ( MPN ) Legal Basis : FCRA 1681i ( a ), 1681e ( b ) The continued reporting of student loan debt without producing the original, wet-ink signed Master Promissory Note ( MPN ) constitutes a violation of federal consumer reporting laws. Summary data, digital records, or screenshots are not sufficient under federal evidentiary standards when a debt is disputed. 

Demand : Delete the student loan tradeline ( s ) unless the data furnisher provides the original physical MPN proving a valid, enforceable contract. 

ISSUE XXXX : Failure to Accurately Reflect Current Loan Status Legal Basis : FCRA 1681s-2 ( b ) If the loan is currently under administrative forbearance, deferment, or federal executive hold due to national policies ( such as those under the CARES Act ), it must not be reported as delinquent or in default. 

Demand : Verify whether the account is subject to any federal pause. If so, correct the account to reflect In Forbearance. If unverifiable, the account must be removed. 

ISSUE XXXX : Violation of Metro 2 and CDIA Guidelines Legal Basis : Metro 2 Format ( CDIA ) ; FCRA 1681e ( b ) Metro 2 standards require complete, up-to-date, and contractually verifiable information. Reporting disputed, paused, or legally unverified loans as derogatory violates industry reporting standards.

Demand : Remove any student loan entry that is not in full compliance with Metro 2 format and CDIA guidance. 

ISSUE XXXX : Lack of Method of Verification ( MOV ) Legal Basis : FCRA 1681i ( a ) ( 6 ) You are required to provide the Method of Verification ( MOV ) used to confirm the accuracy of the disputed tradeline. This must include : The name and address of the furnisher A summary of how the account was verified The exact documents reviewed Demand : If MOV can not be supplied with specificity, the tradeline must be deleted.

ISSUE 5 : No Acknowledgment of Debt This dispute does not constitute an admission or acknowledgment of any alleged debt. Unless proven with an enforceable contract and complete verification history, I do not recognize the validity of the loan ( s ) in question.

ISSUE 6 : Request for Dispute Statement Inclusion Legal Basis : FCRA 1681i ( c ) Should the item remain on my report, I demand that a " Statement of Dispute '' be added to all tradelines under investigation. This must be visible to any third party reviewing my credit.

ISSUE 7 : Harm and Regulatory Escalation Due to the reporting of inaccurate, outdated, and unverifiable student loan data, I have suffered loss of access to fair credit, housing opportunities, and increased financial strain. If this matter is not resolved within the required timeframe, I will : File a complaint with the Consumer Financial Protection Bureau ( CFPB ) Notify my State Attorney Generals office Consider legal action under FCRA 1681n and 1681o for statutory, actual, and punitive damages

Company response to consumer: Closed with explanation