Consumer complaint received 2025-12-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Central Research Inc
State: MO

Complaint narrative:
My complaint involves my personally identifiable information ( PII ) and data being stolen and now being held by three outside parties I never wanted or authorized to have access to said information due to someone stealing my identity and fraudulently acquiring student loans under my identity. These parties are the XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, and their loan servicer, Central Research Inc. This complaint does not involve the actual identity theft incident, as the whole identity theft situation has been resolved as of XXXX of this year. I wanted to give it XXXX full calendar months from the time I got the final letter from the loan servicer about my ( successful ) appeal of identity theft before making this complaint about my PII and personal data being deleted from all outside parties ' systems. That XXXX month time frame ended earlier this week as of the time of writing, so here we are. Identity theft is a ( federal ) crime and the victims of this crime ( such as myself ) are understandably afforded grace and rights when trying to repair the damage that was done by identity theft. Just as important is the peace of mine over ones person data and information, that is priceless. I will provide proof in this complaint that I was a victim of identity theft, such as the aforementioned letter from the loan servicer, the original police report, etc. The entire purpose of this complaint to the CFPB concerns the aftermath of the identity theft nightmare I once faced. I just want my PII and any account ill-begotten or created from the identity theft to be deleted as if it never happened. Not frozen or deactivated, deleted as it never happened. This request is not only logical, but reasonable given the circumstances. 

To summarize and give some context though, somebody presumably stole my identity last year and fraudulently acquired federal student loans ( In Feb/March of this year ) through XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and their loan services, Central Research Inc. Again , while the identity theft process has now concluded and it has been proven that my identity was stolen, each of these institutions still have access to my PII that was stolen from me. I never authorized or consented to any of them having my PII. So long as any outside entity which I did not consent or authorize to have my PII has my PII, I worry about future potential issues. I have reached out to each of these entities to close any account and delete my PII so I can move on with my life, but have not gotten anywhere. There has been some back and forth but no real progress. It has been confusing. That is why I am contacting the CFPB today, so the XXXX XXXX XXXX, Central Research Inc, and the XXXX XXXX XXXX  can finally delete any account from their systems and any the PII associated with me, since all three entities only got my PII ( including my Social Security Number ) due to identity theft.

Company response to consumer: Closed with explanation