Debt collection -- False statements or representation -- Complaint #10739100
Complaint Overview
Complaint ID: 10739100
Company: Maximus Federal Services, INC.
Product: Debt collection
Sub-Product: Private student loan debt
Issue: False statements or representation
Sub-Issue: Attempted to collect wrong amount
State: California
ZIP Code: 95831
Date Received: 2024-11-08T12:00:00-05:00
Date Sent to Company: 2024-11-11T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
As a consumer in California, I am petitioning the credit bureaus to remove negative student loan debt from my credit report. This request is grounded in several consumer protection laws that aim to ensure fair treatment of consumers and accurate reporting of credit information. Under the California Consumer Credit Reporting Agencies Act ( CCRAA ), consumers have the right to dispute inaccurate or incomplete information on their credit reports. Specifically, Section 1785.25 ( a ) states that a consumer reporting agency shall not furnish a consumer report containing any information that is known to be inaccurate. If my student loan debt has been reported inaccuratelywhether due to clerical errors, miscommunication with lenders, or other discrepanciesI have the right to request its removal. Additionally, XXXX Student Loan Servicing Act provides protections for borrowers against unfair practices by student loan servicers. If there were any violations by the servicer regarding how my loans were managed or reported, this could further support my case for removing negative entries related to those loans. Negative entries related to student loans can significantly impact a consumers credit score and overall financial health. Given that these debts often arise from pursuing higher educationa pursuit encouraged by both state and federal policiesit is essential that consumers are not unduly penalized for circumstances beyond their control. The Fair Credit Reporting Act ( FCRA ) also mandates that all information reported must be accurate and reflect the true status of an account. If I can demonstrate that my negative student loan reporting does not accurately reflect my payment history or current statussuch as being in deferment or having been misreportedI urge the credit bureaus to reconsider this entry on my report.
Frequently Asked Questions
What is Complaint #10739100 about?
Complaint #10739100 was filed against Maximus Federal Services, INC. regarding Debt collection specifically about False statements or representation. It was received by the CFPB on 2024-11-08T12:00:00-05:00.
How did Maximus Federal Services, INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Debt collection) and describe your issue in detail.
Can I see other complaints against Maximus Federal Services, INC.?
Yes, visit the Maximus Federal Services, INC. company profile at readthecomplaint.com/company/maximus-federal-services-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.