Consumer complaint received 2026-05-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Central Research Inc
State: MD

Complaint narrative:
I am filing a formal complaint against Central Research , Inc. ( CRI ) regarding the delinquent marks reported across my student loans spanning XXXX. These negative marks are the direct result of systemic misinformation and a complete failure of synchronized communication between federal student loan contractors during an account migration. As explicitly documented in payment history XXXX and payment history XXXX, I maintained a long-term, flawless record of consistent, timely monthly payments on my student loans. I was a completely responsible borrower who actively managed my account. The only reason my consistent payment history stopped is because the official system explicitly led me to believe the debt was entirely resolved. Throughout this period, I actively monitored my student loan status. The official portal instructions explicitly directed me that my loans would either remain with XXXX or transition to XXXX XXXX is actively advertised and integrated right on the XXXX homepage ( as documented in the attached file XXXX XXXX ). Furthermore, when navigating to the official login portal ( XXXX ), as shown in the attached file nelnet login.PNG, the system explicitly routes users to either log in there or follow the direct link to XXXX. Relying on this official government-contracted data in good faith, I reviewed my primary dashboard. As explicitly documented in account balance.png, the official account dashboard explicitly displayed a Current Balance of {$0.00}, listed my next due date as " N/A, '' and featured an active system banner stating, " Although no payment is currently due, you can make a payment at any time. '' Because an administrative credit of {$8100.00} was applied to the account on XX/XX/2025 ( tracked at the top of payment history XXXX ), bringing the total visible balance to XXXX, I reasonably and in good faith believed that my pending student loan forgiveness application had been successfully finalized by the Department of Education. Because the system 's own public-facing design, explicit directives, and live-account data guided me to believe my loan obligations were completely settled via forgiveness, I had no reason to believe an active balance was accumulating on an entirely unannounced third-party platform. While CRI may have attempted to send initial physical mail notifications, it completely contradicted the explicit layout, my established payment history, and the {$0.00} data on the official federal portal. In an environment flooded with aggressive student loan phishing scams, receiving unverified paper demands for money from an unknown company like CRI looked identical to a fraudulent identity theft attempt. I ignored the unverified mail solely to protect my sensitive data based on the explicit XXXX-balance information provided by XXXX. The absolute moment I received a legitimate, verified digital notification of delinquency, I immediately took responsibility, logged into the XXXX platform online, brought all accounts current, and placed them on active Auto-Pay to ensure flawless future repayment.

Company response to consumer: Closed with explanation