Consumer complaint received 2026-05-25 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: NJ

Complaint narrative:
I am filing this complaint against ( CRI ), XXXX XXXX XXXX XXXX XXXX XXXXXXXX, an alleged federal student loan debt previously serviced by XXXX. CRI has violated the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) by continuing aggressive collection activity, including credit reporting and threats of legal action, while completely ignoring XXXX formal written validation requests. TIMELINE OF EVENTS : XX/XX/XXXX : I sent CRI a formal written Debt Validation Request via certified mail under 15 U.S.C. 1692g, disputing the debt in its entirety and requesting full validation documentation, including proof of ownership, the original promissory note, a complete payment ledger, chain of title, and loan forgiveness records. CRI did not respond. XX/XX/XXXX : Having received no response, I sent a second written validation request documenting CRI 's noncompliance and noting that continued collection while the debt was disputed violated 15 U.S.C. 1692g ( b ). CRI again sent no documentation. XX/XX/XXXX : I called XXXX and spoke with a representative named XXXX. XXXX confirmed that CRI had received both of my written letters but stated they did not respond in writing because " it is better to do it by phone. '' XXXX claimed she was submitting my request and that I would receive the documentation. I have never received anything- not a single document, not even written confirmation of this call. XX/XX/XXXX : Despite XXXX unanswered written validation requests, CRI sent me a collection letter stating my account is 180 days past due, threatening continued delinquent reporting to national consumer reporting agencies, threatening legal action including liens and garnishment of wages, and threatening referral to additional collection agencies. This letter contains no acknowledgment that the debt is disputed. VIOLATIONS : XXXX. Violation of 15 U.S.C. 1692g ( b ) : CRI has continued collection activity - including billing, credit reporting, and threats - without providing any validation of the debt after receiving XXXX written disputes. This is a direct and documented violation of the FDCPA. XXXX. Violation of 15 U.S.C. 1692e ( 8 ) : CRI 's representative misrepresented that a phone call satisfies the written validation requirement under federal law. It does not. CRI also communicated credit information while knowing the debt was disputed without disclosing the disputed status, which constitutes a false and misleading representation. XXXX. Violation of 15 U.S.C. 1681s-2 ( a ) ( 3 ) ( FCRA ) : CRI has reported this account to national consumer reporting agencies as delinquent. As a furnisher who has been formally notified of a consumer dispute, CRI is required to include the dispute status in all credit reporting. I have no evidence this has been done. ADDITIONAL CONTEXT : XXXX, the prior servicer, has a documented history of inaccurate recordkeeping, misapplied payments, and improper transfer errors, including a multi-state settlement in XXXX. This history makes full chain-of-title and transfer documentation essential to validating any claimed balance. I have requested this documentation twice in writing. CRI has provided nothing. I have copies of both validation letters with proof of delivery, notes from my XX/XX/XXXX call including the representative 's name, and CRI 's XX/XX/XXXX collection letter, all of which I can provide as supporting documentation.

Company response to consumer: Closed with explanation