Student loan -- Dealing with your lender or servicer -- Complaint #18433391
Complaint Overview
Complaint ID: 18433391
Company: Maximus Federal Services, INC.
Product: Student loan
Sub-Product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-Issue: Received bad information about your loan
State: California
ZIP Code: 91411
Date Received: 2026-01-02T12:00:00-05:00
Date Sent to Company: 2026-01-02T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Older American
Consumer Narrative
XXXX XXXX XXXX To : Aidvantage XXXX : U.S. Department of Education XXXX Attorney General XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX, and XXXX ( Credit Bureaus ) XXXX XXXX XXXXXXXX and XXXX and XXXX XXXX Federal Trade Commission Sent via Fax and US Mail Subject : Formal Dispute of Student Loan Accounts Lack of Proof and Wet Signature ( See all details below ) AidAdvantage Account Dear Aidvantage, I am once again disputing the validity of this debt and formally requesting validation under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). I do not recognize this debt and dispute that I owe the amount claimed ( or any amount ) to your agency. To date you have NEVER validated this debt no matter how many times I have contacted your office. Please provide the following verification : XXXX. Proof that I am legally obligated to pay this debt, including a copy of the signed promissory note or loan agreement bearing my wet signature. XXXX. A complete account history, including the original creditor, date the debt was incurred, itemized charges, payments made, and how the current balance was calculated. XXXX. Documentation showing your agency has the legal right to collect this debt ( e.g., chain of assignment or bill of sale from the original creditor ). XXXX. The name and address of the original creditor. XXXX. Proof that the statute of limitations has not expired on this debt. Until you provide this validation, cease all collection activities on this alleged debt, including harassing phone calls, letters, and credit reporting. If you have already reported this to any credit bureaus, mark it as disputed immediately. All future communication must be in writing and sent to the address above. Please do not contact me by phone. Please, to avoid any possible confusion or misunderstanding now or in the future, I am writing to formally dispute and demand immediate investigation and removal of certain student loan accounts that have been reported in my name. I believe that these Aidvantage accounts are inaccurate, unverifiable, and in violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Again for well over a decade, I have repeatedly requested documentation validating these alleged student loans. To date, nothing has been provided that substantiates the debt. XXXX. A signed, original promissory note containing my wet signature. XXXX. Valid proof that I authorized or accepted these alleged loans. XXXX. Proper chain of title or assignment showing lawful ownership of the debt. Without such documentation, these accounts are unsubstantiated and must be deemed fraudulent, inaccurate, or otherwise unverifiable. Continued reporting of unverifiable debt is a violation of federal law. My formal demands are as follows : XXXX. Immediately delete all disputed student loan accounts from my credit reports. XXXX. Provide me with copies of any original signed contracts or promissory notes bearing my wet signature. XXXX. Cease all collection activities and unlawful reporting until such proof is provided. XXXX. Notify me in writing of the results of your investigation within the statutory timeframe. Failure to comply will leave me no choice but to pursue all available remedies This letter serves as my official notice under the FCRA and FDCPA. I expect full compliance with my rights as a consumer.
Frequently Asked Questions
What is Complaint #18433391 about?
Complaint #18433391 was filed against Maximus Federal Services, INC. regarding Student loan specifically about Dealing with your lender or servicer. It was received by the CFPB on 2026-01-02T12:00:00-05:00.
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 (Student loan) 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.