Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #12025546
Complaint Overview
Complaint ID: 12025546
Company: Maximus Federal Services, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: Florida
ZIP Code: 32256
Date Received: 2025-02-10T12:00:00-05:00
Date Sent to Company: 2025-02-10T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
my personal and financial information was compromised without my authorization. the Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information. Given the severity of this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel and dischare my student loan debt in full. It has come to my attention that my personal educational and financial information has been improperly accessed by unauthorized third parties, including XXXX XXXX or affiliated entities. This unauthorized access constitutes a gross violation of my federal privacy rights and nullifies any enforceable loan agreements under federal law. Legal Grounds for Discharge : 1. FERPA Violation : The exposure of my educational records without my express written consent is a direct breach of FERPA, which mandates the protection of personally identifiable information. 2. Violation of the Privacy Act of 1974 : The mishandling and unauthorized disclosure of my personal information contravenes federal requirements that safeguard the privacy of individuals ' data managed by federal agencies and contractors. 3. Breach of the Higher Education Act : The Higher Education Act requires servicers to maintain strict confidentiality and compliance in loan transfers. The transfer of my loan to Advantage and subsequent data breaches demonstrate clear negligence. I have reached out to all credit bureaus regarding this matter as well as student aid and no one is willing to assist. Demand for Resolution : Due to these violations, I formally demand : written confirmation of this cancellation.
Frequently Asked Questions
What is Complaint #12025546 about?
Complaint #12025546 was filed against Maximus Federal Services, INC. regarding Credit reporting or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2025-02-10T12:00:00-05:00.
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 (Credit reporting or other personal consumer reports) 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.