Consumer complaint received 2026-05-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Central Research Inc
State: MD

Complaint narrative:
I am submitting this complaint against Central Research , Inc. ( CRI ), XXXX, XXXX, and XXXX concerning inaccurate credit reporting and failures to conduct reasonable investigations under the Fair Credit Reporting Act ( FCRA ). This matter involves a federal student loan account that was transferred from XXXX to Central Research , Inc. between XXXX and XX/XX/XXXX. CRI and/or XXXX used an outdated mailing address associated with my fathers former residence for account communications. As a result, I did not receive adequate notice regarding the transfer, servicing status, or alleged delinquency prior to the negative reporting appearing on my credit file. Account statements from XXXX attached to this complaint show that my correct mailing address remained on file through XX/XX/XXXX. Additional records reflect that by XX/XX/XXXX, the mailing address associated with the account had been changed to an outdated address without my knowledge or authorization. At that time, the account had remained in good standing for approximately 13 years. Records from Central Research , Inc. also show that initial account communications were sent to this same outdated address. I first became aware that CRI was servicing and reporting the account in XXXX XXXX after receiving an alert from XXXX XXXX regarding a delinquent account reported on my credit file. Upon learning of the issue, I acted immediately and ensured the account was paid in full before the XX/XX/XXXX reporting cycle ended. Supporting payment documentation is attached. Despite this, CRI still reports 120-day late payments delinquencies. The account appears to have been divided into subgroups identified as XXXX, XXXX, XXXX, and XXXX. Although these subgroups relate to the same underlying student loan obligation, the reporting resulted in multiple derogatory entries and a disproportionate negative impact on my credit profile. My credit reports reflect eight separate late-payment entries arising from this reporting structure. Copies of the relevant credit reporting are attached. On XX/XX/XXXX, I submitted disputes to XXXX and XXXX regarding the accuracy and reasonableness of this reporting. During communications with XXXX, I was informed verbally that the reporting impact could potentially be consolidated rather than reflected as multiple separate derogatory entries. However, after the investigation period concluded, both credit bureaus responded that the account had been updated and verified, while the disputed late-payment reporting remained unchanged. Based on the documentation provided and the circumstances surrounding the incorrect address information, I dispute whether a reasonable reinvestigation was conducted as required under FCRA 611. Additionally, on XX/XX/XXXX, I submitted a direct dispute to Central Research , Inc. pursuant to FCRA 623 ( a ) ( 8 ). CRI failed to provide a response to my request although they signed the certified mail sticker upon delivery which is also attached to this complaint. This matter has caused significant harm to my credit profile despite my prompt efforts to resolve the account once I became aware of the issue. I respectfully request a thorough review and prompt correction of the reporting.

Company response to consumer: Closed with explanation