Debt collection
Credit Central debt collection complaints
Consumers have filed 267 complaints about Credit Central's debt collection, 83 in the last 12 months (+36%). Credit Central answered 100% on time and closed 0% with relief. See the whole Credit Central record.
Credit Central against other debt collectors
| # | Company | 12 months | On time | Relief |
|---|---|---|---|---|
| 1 | CL Holdings | 25,525 | 99.9% | 51% |
| 2 | Encore Capital (Midland Credit) | 19,484 | 100% | 12% |
| 3 | Portfolio Recovery Associates | 17,942 | 99.9% | 63% |
| 4 | Resurgent Capital Services | 17,500 | 100% | 26% |
| 5 | TransUnion | 9,367 | 100% | 48% |
| 6 | Experian | 9,347 | 100% | 9% |
| 7 | CCS Financial Services | 8,704 | 99.9% | 2% |
| 8 | Equifax | 7,993 | 100% | 40% |
| 9 | Kriya Capital | 7,526 | 100% | 100% |
| 10 | I.C. System | 6,903 | 100% | 0% |
| 11 | National Credit Systems | 5,918 | 99.9% | 0% |
| 12 | Caine & Weiner | 5,539 | 99.9% | 39% |
| 13 | Credit Central | 83 | 100% | 0% |
Latest Credit Central debt collection complaints
| Received | About | Issue | Answer |
|---|---|---|---|
| Oct 27, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | In progress |
| Oct 16, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Oct 8, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | In progress |
| Sep 1, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Aug 28, 2026 | Debt collection | Communication tacticsFrequent or repeated calls | Explained |
| Aug 18, 2026 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Aug 10, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Aug 6, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Aug 5, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Jul 31, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Jul 17, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Jul 13, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Jul 10, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Jul 9, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Jul 3, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Jul 3, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Jun 29, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Jun 26, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Jun 18, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Jun 2, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| May 29, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| May 29, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| May 20, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| May 19, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| May 19, 2026 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| May 15, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| May 15, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| May 15, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| May 13, 2026 | Debt collection | Communication tacticsFrequent or repeated calls | Explained |
| May 12, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
Your rights with debt collectors
Under the Fair Debt Collection Practices Act a collector must send you a validation notice with the amount and the creditor, and if you dispute the debt in writing within 30 days it must stop collecting until it verifies it. Collectors cannot harass you, lie, threaten arrest, or call at unusual times, and you can tell them in writing to stop contacting you.
Scam warning: Fake collectors threaten arrest, demand payment by gift card, wire or crypto, and refuse to put anything in writing. Ask for the validation notice and check the collector's name and number independently before you pay anything.
General information, not legal advice; rules vary by state. Plain-English guides
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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