Credit bureau · complaint record
Central Research complaints
Filed under Central Research Inc
Consumers have filed 1,628 complaints about Central Research since 2024, 1,193 of them in the last 12 months (+178% on the year before). It answered 99.9% on time and closed 0% with relief for the customer - less often than a typical credit bureau. The most common problem is incorrect information on your report. It is the 25th most complained-about of 566 credit bureaus & report companies this year.
Weak response record. How it works
- Complaints on record
- 1,628
- Last 12 months
- 1,193
- Answered on time
- 99.9%
- Closed with relief
- 0%
- Last 30 days
- 30
- Rank
- #25 of 566
Since July 2024
+178% vs the year before
Industry: 99.9%
Typical credit bureau: 32%
Newest: Nov 6, 2026
Most complained-about credit bureaus & report companies
Central Research complaints by month
The busiest month was April 2026 (140 complaints). Complaints in the last 12 months are up 178% on the year before. Complaints rise with a company's size and with news, so compare trends rather than totals.
How Central Research answered last 12 months
- Closed with explanation1,193100%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
- Answers on time45/4599.9% on time
- Relief for customers0/400% closed with relief
- Complaint trend0/15+178% vs last year
What Central Research complaints are about
Top Central Research problems last 12 months
Inside "Incorrect information on your report"
- Account status incorrect 398
- Account information incorrect 178
- Information belongs to someone else 102
- Old information reappears or never goes away 10
- Personal information incorrect 10
- Information is missing that should be on the report 6
Where Central Research complaints come from
Most complaints: Texas (189), California (159), Georgia (128), Florida (120), New York (109).
Central Research compared with other credit bureaus & report companies
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | LCI AcquisitionCredit reporting | 48 | 1,486 | D |
| 2 | UpstartCredit reporting | 52 | 1,485 | C |
| 3 | National Consumer Telecom & Utilities ExchangeCredit reporting | 45 | 1,374 | D |
| 4 | Central ResearchCredit reporting | 45 | 1,193 | D |
| 5 | MoneyLionCredit reporting | 47 | 1,091 | D |
| 6 | CarMaxCredit reporting | 54 | 1,004 | C |
| 7 | Consumer Portfolio ServicesCredit reporting | 54 | 983 | C |
| 8 | PenFed Credit UnionCredit reporting | 66 | 876 | B |
Compare side by side: Central Research vs LCI Acquisition · Central Research vs Upstart · Central Research vs National Consumer Telecom & Utilities Exchange · Central Research vs MoneyLion
What people say about Central Research
All experiencesNo experiences with Central Research yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest Central Research complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Nov 6, 2026 | Student loans | Incorrect information on your reportAccount status incorrect | Explained |
| Nov 6, 2026 | Credit reporting | Incorrect information on your reportAccount status incorrect | Explained |
| Nov 5, 2026 | Credit reporting | Incorrect information on your reportAccount information incorrect | Explained |
| Nov 5, 2026 | Student loans | Incorrect information on your reportAccount information incorrect | Explained |
| Nov 5, 2026 | Student loans | Dealing with your lender or servicerTrouble with how payments are being handled | Explained |
| Nov 4, 2026 | Credit reporting | Incorrect information on your reportAccount status incorrect | Explained |
| Nov 4, 2026 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Explained |
| Nov 3, 2026 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Nov 3, 2026 | Credit reporting | Incorrect information on your reportAccount information incorrect | Explained |
| Nov 3, 2026 | Credit reporting | Incorrect information on your reportAccount information incorrect | Explained |
| Oct 31, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Oct 31, 2026 | Student loans | Dealing with your lender or servicerReceived bad information about your loan | Explained |
Questions about Central Research
How many complaints does Central Research have?
Central Research has 1,628 complaints on record since July 2024, including 1,193 in the last 12 months and 30 in the last 30 days. That makes it number 113 of every company by complaints this year.
Does Central Research respond to complaints?
Yes. Central Research answered 99.9% of its complaints on time (within 15 days) and closed 0% with relief - money back or a fix; 0% ended with money back. The rest were mostly closed with an explanation only. Its Response Score is 45/100 (grade D).
What do people complain about most with Central Research?
The most common problems are incorrect information on your report (708), dealing with your lender or servicer (336), problem with a company's investigation into an existing problem (222).
Is Central Research legit?
Central Research is a real company with a public complaint record: consumers have complained about it 1,628 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is Central Research legit? for the signals, red flags and how to protect yourself.
Are complaints about Central Research going up or down?
Up. There were 1,193 complaints in the last 12 months against 429 in the 12 before (+178%). See every month.
How do I file a complaint against Central Research?
Complain to Central Research in writing first and keep a copy. If it isn't fixed, file an official complaint with the federal consumer financial regulator - the company must answer, usually within 15 days. Our step-by-step guide: how to file a complaint against a company. Then share your experience here so others know.
Where do most Central Research complaints come from?
Most come from Texas (189), California (159), Georgia (128). Big states file more complaints, so the map shows complaints per 100,000 people.
Complaint records are public consumer complaints filed with U.S. regulators, checked (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works
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