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 |
|---|---|---|---|
| May 8, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| May 7, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| May 6, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| May 2, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Apr 17, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Apr 17, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Apr 11, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Apr 11, 2026 | Debt collection | Communication tacticsFrequent or repeated calls | Explained |
| Apr 10, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Apr 6, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened to arrest you or take you to jail if you do not pay | Explained |
| Apr 2, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Mar 30, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Mar 27, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Mar 25, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Mar 24, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Mar 20, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Mar 9, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Mar 5, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Mar 5, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Mar 5, 2026 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Mar 5, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Mar 3, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Mar 3, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Mar 1, 2026 | Debt collection | Written notification about debtDidn't receive notice of right to dispute | Explained |
| Feb 28, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Feb 27, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Feb 25, 2026 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Feb 24, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Feb 19, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Feb 17, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | 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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