Cenlar on Your Credit Report: Who Actually Furnishes Your Mortgage Tradeline

Your mortgage statement may carry the name of the bank you borrowed from. The tradeline on your credit report may carry a different name entirely. Cenlar FSB is one reason that happens: a federally chartered savings bank in Ewing, New Jersey that says it has focused exclusively on subservicing other institutions' loans since 1997, roughly 2 million of them. If a late payment, an escrow-driven shortfall or a transfer-related gap has landed on your file, the first question is not what the entry says. It is which company sent it, because the Fair Credit Reporting Act attaches its duties to the company that furnishes the data, not to the one on the front of the envelope.

What Cenlar is, and why a different name may sit on your statement

Cenlar is not your lender. Cenlar FSB is a federal savings bank established January 1, 1912, supervised by the Office of the Comptroller of the Currency and insured by the Federal Deposit Insurance Corporation, with its charter address at 7 Graphics Drive, Ewing, New Jersey. Cenlar says it has focused exclusively on subservicing since 1997. It administers mortgage loans that other companies own or hold the servicing rights to, under a d/b/a that spells out the job, Central Loan Administration and Reporting.

The scale is the part worth holding on to. Cenlar reports servicing roughly 2 million loans with about $740 billion in unpaid principal balance for approximately 100 institutional clients, figures published with the February 2026 Pennymac announcement. Its own balance sheet is small beside that: total assets of about $864.5 million as of March 31, 2026. That gap is the business model. It processes payments, runs escrow, sends statements, handles loss mitigation and reports to the credit bureaus, all on someone else's book.

Is it a real company? That question has a check you can run rather than an opinion you have to take. Cenlar FSB carries FFIEC identifier RSSD 934271 and FDIC certificate number 30996. Both are searchable in federal databases in about a minute, and both confirm an operating, insured, OCC-supervised institution. Confirm it, then set the question aside. A legitimate regulated bank can still furnish a delinquency that never happened. Charter status is not accuracy; it tells you the company exists and can be sued, not that the tradeline is right.

Now the structural point. In a subservicing arrangement there are commonly three entities and only one of them is likely to be familiar to you: the investor who owns the loan, the company holding the mortgage servicing right whose name you may see on your paperwork, and the subservicer doing the daily work. One client bank puts the arrangement to its own borrowers in a sentence, saying that it purchases mortgage loans from independent lenders and uses Cenlar FSB to service mortgage loans on its behalf. That is why borrowers routinely go looking for a hidden corporate link between the servicer and the bank named on their loan documents. A subservicing arrangement is a contract for services; it does not by itself mean the two companies are related by ownership. And the consequence is not trivia. Whoever transmits the tradeline owes the federal duties. Everything later on this page depends on identifying that company correctly, and a later section explains how to do it from your own credit report rather than by guessing.

There is frequently a third name. Cenlar's borrower-facing portal sits at loanadministration.com, a domain that does not contain the word Cenlar, and its customer service email runs off the same domain. So a homeowner can be logging in under one name, reading a statement carrying a second, and looking at a report carrying a third. A portal name is not a furnisher name, and none of the three tells you by itself which company transmitted the entry.

Transfers, the 60-day rule, and the Pennymac transaction

Subservicing changes hands more often than ownership does, and a change in who touches your loan does not always produce a letter. Under 12 C.F.R. 1024.33(b)(3)(i) the servicer handing the loan over must send its notice not less than 15 days before the effective date of transfer, and the servicer taking it on not more than 15 days after. That outside date is not absolute: (b)(3)(ii) extends it to not more than 30 days after the effective date where the transfer follows termination of the servicing contract for cause, the commencement of bankruptcy proceedings for the servicer, or the commencement of FDIC or NCUA conservatorship or receivership proceedings.

Separately, 1024.33(b)(2) exempts three kinds of transfer from the notice requirement altogether: between affiliates, on a merger or acquisition of servicers or subservicers, and between master servicers where the subservicer does not change. Every one of those exemptions is conditioned on there being no change in the payee, the address to which payment must be delivered, the account number, or the amount of payment due. Change any one of the four and the notices are required. Within the exemptions, though, a homeowner can experience a real change in who handles the file and receive nothing in the post.

When a transfer does happen, one rule matters more than the rest and almost nobody uses it. Under 12 U.S.C. 2605(d) and 12 C.F.R. 1024.33(c)(1), for 60 days beginning on the transfer effective date, a payment the old servicer receives on or before its due date, including any grace period, may not draw a late fee and may not be treated as late for any purpose. Note what that turns on: the date the old servicer received the money, not the date you put it in the post. Read the rule against the misdirected-payment problem it exists for. The text does not use the words credit reporting, so treat the reach into your credit file as an argument available to you rather than a remedy you can demand. Keep both transfer notices. They fix the date the window opened, and they are exactly the documents homeowners throw away.

Two servicing duties survive the handover. 12 C.F.R. 1024.41(k) carries a pending loss mitigation application across to the transferee, which inherits the transferor's remaining time rather than starting fresh, and 1024.41(f)(1) bars a servicer from making the first foreclosure notice or filing until the loan is more than 120 days delinquent. That second rule is not academic here: homeowners won summary judgment on it against a Cenlar-named defendant, described below.

What happens to Cenlar next. On February 11, 2026, Pennymac announced an agreement to acquire Cenlar's subservicing business for $172.5 million up front plus up to $85 million contingent over three years. As of July 27, 2026 that transaction is announced and has not closed. The parties expect closing in the second half of 2026, subject to customary conditions including required regulatory approvals, and the announcement states that Cenlar will surrender its bank charter concurrently with closing. If it closes, expect another servicing transfer, another set of 1024.33 notices and another 60-day window. Until then, nothing about your loan has changed because of it.

The only credit reporting promise Cenlar publishes

Search cenlar.com for a credit reporting page and you will not find one. There is a single published statement on the subject, and it sits inside the loan assistance policies, addressed to borrowers in forbearance: Negative credit reporting is suppressed to all credit reporting agencies for the duration of the forbearance plan. When the forbearance plan expires, negative credit suppression will continue for an additional 90 days.

Take it seriously, and take it for what it is. That is a voluntary policy commitment by a company, not a legal right you hold, and no federal rule requires it. The distinction matters because the statutory protection people assume is still there has ended. The CARES Act credit reporting rule, which did require an account under a qualifying accommodation to keep the status it held when the accommodation began, ran only until August 8, 2023, 120 days after the COVID-19 national emergency was terminated on April 10, 2023. The COVID-specific provisions of Regulation X were rescinded effective July 15, 2025. Anyone still telling you that federal law compels your servicer to report a forbearance as current is describing a rule that has expired.

So the practical use of the suppression language is evidentiary. If a delinquency was furnished during an approved forbearance plan, or inside the 90 days after it ended, you have the servicer's own published policy alongside the general accuracy duty in 15 U.S.C. 1681s-2. Print the policy page with the date you retrieved it, keep the forbearance agreement and the exit documentation, and attach all of it to the dispute.

Escrow shortfalls, the complaint record, and the regulator file

Most mortgage credit reporting damage does not begin with a missed payment. It begins in escrow. A tax bill is paid late or twice, an insurance policy renews under a new number after a transfer, a declarations page reaches an address nobody is reading, and the escrow analysis recalculates. The monthly demand jumps. You keep paying the old amount, which is now short. Short payments often do not post; they sit in suspense until suspense fills and a delinquency is furnished. The homeowner never missed a payment in any ordinary sense, and the report says otherwise.

That chain has handles at every link. 12 C.F.R. 1024.17 caps the escrow cushion at one sixth of estimated annual disbursements and requires an annual escrow statement within 30 days of the end of the computation year. A notice of error under 1024.35 can assert failure to accept a conforming payment under (b)(1), failure to apply a payment correctly under (b)(2), failure to make an escrow disbursement under (b)(4), imposition of a fee lacking a reasonable basis under (b)(5), failure to transfer accurately and timely the information relating to servicing of the account to a transferee servicer under (b)(8), and the catch-all at (b)(11). Reading inaccurate credit reporting into (b)(11) is an argument from the text of the rule, not a settled holding.

Why there is no rating on this page. A search for a servicer's name mostly returns star averages, and we publish none. A rating aggregates strangers' experiences of hold times and courtesy; it cannot tell you whether the delinquency on your file is accurate, and accuracy is the only question the Fair Credit Reporting Act asks. We answer the review question with the two checkable records instead, the complaint record and the regulator file, both below and both stated structurally rather than as a score. Complaint narratives are allegations, not findings.

The complaint record, stated precisely. As of July 2026, Cenlar is not a company of record in the CFPB Consumer Complaint Database. Searching the company field for Cenlar FSB or for Cenlar returns nothing, and the name does not appear in the database's company autocomplete at all. It does show up inside the narratives of complaints filed against other companies, lenders and credit bureaus among them, sometimes in forms such as FAMC C/O CENLAR. That is a routing fact with a consequence for you. If you file a CFPB complaint about your loan and name only the subservicer, it may not attach to any company record. Name the institution printed on your statement as well, and describe the subservicing arrangement in the narrative. We publish no complaint count for this company, because the database does not support one.

The regulator file. The OCC issued a consent order against Cenlar FSB, AA-ENF-2021-45, on October 26, 2021. It recites that the Comptroller finds, and the Bank neither admits nor denies, that the bank's internal controls and risk management practices did not support the risk profile and size of its mortgage subservicing portfolio, which is an unsafe or unsound practice. It required OCC supervisory non-objection before the bank took on new subservicing clients and before it paid dividends. The OCC's news release identifies no civil money penalty, and the order is a safety-and-soundness matter that does not, on its face, direct consumer redress. A penalty and consumer redress are two different things, and neither appears here. The order was terminated on April 8, 2026 by order AA-ENF-2026-20. Two limits on what that file proves: it is a safety-and-soundness matter, not a finding about credit reporting or about any consumer's account, and termination is not exoneration, only a record that the OCC considered its conditions satisfied. A search of CFPB enforcement actions naming this company on July 27, 2026 returned none, which is what the public record showed that day and not a clean bill of health.

Where to write, and what each address can actually do

Cenlar publishes one address that carries legal weight, and it is easy to miss. The sentence appears in the footer of the cenlar.com homepage and, so far as we could find, nowhere else on the site: not on the contact page, the homeowners or welcome pages, the escrow resources page, or the sitemap. It reads: Qualified Written Requests, notification of error, or requests for information concerning your loan must be directed to: PO Box 77423, Ewing, NJ 08628

That is the mandatory language 12 C.F.R. 1024.35(c) contemplates when a servicer designates an exclusive address for notices of error, and under 1024.36(b) the same address serves for requests for information. The effect is blunt: a letter sent anywhere else may start no clock at all.

Here is every address and channel Cenlar publishes, labelled by the job it does.

• Notices of error, qualified written requests and requests for information: P.O. Box 77423, Ewing, NJ 08628. The only address that triggers the RESPA deadlines and the 60-day furnishing bar.
• General correspondence: P.O. Box 77404, Ewing, NJ 08628. A letter here gets read. It is not a regulated notice.
• Payment lockboxes: P.O. Box 54040, Los Angeles, CA 90054-0040 and P.O. Box 11733, Newark, NJ 07101-4733. Payments only. A dispute mailed to a lockbox is not a dispute.
• Telephone: 1-800-223-6527. Useful for information, useless as a record. Nothing said on a call starts a statutory clock.
• Credit reporting and FCRA disputes: no address for this purpose is published on cenlar.com.

Send the notice of error certified mail, return receipt requested, and describe one error per letter. Within five business days, counted so as to exclude legal public holidays, Saturdays and Sundays, the servicer must acknowledge it. Within 30 business days on the same count, extendable by 15 with notice, it must correct the error, or explain why it found none. The provision worth the postage is 1024.35(i)(1): for 60 days after receiving a notice of error, the servicer may not furnish adverse information to any consumer reporting agency about the specific payment that is the subject of that notice. A matching bar sits in 12 U.S.C. 2605(e)(3) for qualified written requests. Note the asymmetry: 1024.36, requests for information, contains no equivalent provision, so asking for documents buys you no reporting protection whatever.

Do not hand the servicer an off-ramp. Under 1024.35(g) a notice of error that is duplicative, overbroad or untimely switches off the response duties, and the 60-day furnishing bar switches off with them. Keep each letter to one identified error, with dates and documents attached.

The FCRA side of the ledger is different, and worth describing exactly. There is no credit reporting page, no dispute page and no designated direct-dispute address published anywhere on cenlar.com. That is a statement about what the website publishes. It is not a claim that no address exists, and not a suggestion that anything is being concealed. It has a practical consequence, and 12 C.F.R. 1022.43(c) works through it in three destinations. Under (c)(1) you may use the furnisher's address as the furnisher provided it and as it appears on your consumer report, which for most homeowners is the address printed beside the tradeline. Under (c)(2) you may use an address the furnisher has clearly and conspicuously specified for submitting direct disputes and provided to you in writing or electronically. Under (c)(3) you may use any business address of the furnisher, but only where the furnisher has not specified and provided an address under (c)(1) or (c)(2). Which of the three is open to you is a question about your own report, and none of it has been tested against this company.

Reading your own report to find out who furnished the entry

The FCRA does not define a furnisher by title. 15 U.S.C. 1681s-2 imposes its duties on any person who furnishes information to a consumer reporting agency, which makes it a question of conduct. Whoever transmitted the tradeline owes the duty, whatever the arrangement behind it, and generally that is the company doing the servicing rather than the investor who owns the loan.

So read the report instead of reasoning from your paperwork. Pull all three files, find the mortgage, and look at the creditor name and address printed on that tradeline. Sometimes it is the institution you borrowed from. Sometimes it is the subservicer. It helps to know that Cenlar operates under the d/b/a Central Loan Administration and Reporting, so a shortened form of that phrase and the Cenlar name point to the same company, not to two separate mortgage accounts. We publish no canonical spelling of how a Cenlar tradeline appears, because no source we trust confirms one. Read the string on your own report and use exactly what is there.

It does not follow that homeowners never see the servicer's name. Plenty do, on the statement and the report both. The point is narrower: you cannot assume, and the two documents can disagree. Where they do, or where the three bureau files do not match one another, the discrepancy is itself evidence and belongs in the dispute.

If you also want to know who owns the loan, there is a better route than the lookup tools. 12 C.F.R. 1024.36(d) requires a servicer to identify the owner or assignee in writing within 10 business days of a written request, with no extension available, and 12 U.S.C. 2605(k) backs it. Send it to the designated post office box. It produces a dated written answer you can use as evidence, which no database lookup does.

Three channels, three different remedies

There are three ways to complain about a mortgage tradeline. They do different things, and confusing them is the most expensive mistake in this area.

Channel one, the notice of error. Sent to P.O. Box 77423 under 12 C.F.R. 1024.35, it triggers the five-business-day acknowledgment, the 30-business-day response and the 60-day furnishing bar at (i)(1), and RESPA gives you a private right of action for a violation under 12 U.S.C. 2605(f). What it does not do is reach the credit bureaus. It binds the servicer. It does not oblige Equifax, Experian or TransUnion to reinvestigate anything.

Channel two, the bureau dispute. This is the one with teeth. Under 15 U.S.C. 1681i a bureau must reinvestigate free of charge within 30 days, extendable to 45, must forward your dispute and your documents to the furnisher within five business days, and must give you the results within five business days of finishing. That forwarded notice is the trigger for 15 U.S.C. 1681s-2(b), the furnisher's duty to investigate reasonably and to modify, delete or permanently block information it finds inaccurate, incomplete or unverifiable, at every bureau it supplied. A federal court in Kentucky stated the rule plainly in Eddins v. Cenlar FSB, Western District of Kentucky No. 3:13-CV-197-H, holding at the pleading stage on August 12, 2013 that the 1681s-2(b) duty attaches only after the furnisher receives notice of the dispute from a consumer reporting agency. That was a holding on the law, not a finding about anyone's conduct, and it is why the bureau step cannot be skipped.

Channel three, the direct dispute. 15 U.S.C. 1681s-2(a)(8) and 12 C.F.R. 1022.43 give you a real dispute right against the furnisher itself, with an investigation period matching the bureau's and a five-business-day notice if the furnisher treats the dispute as frivolous or irrelevant. The rule carries exclusions worth knowing, including one for a dispute prepared by a credit repair organisation. It also carries a fatal limit: the duties in subsection (a) are enforceable by regulators and certain public officials and not by you, as 1681s-2(c) and (d) say in terms. Use channel three to build a dated record. Never use it in place of channel two.

Write all three the same way. Name the field, state what it should say, state why, attach the proof. Our credit dispute letter guide sets out the structure. Federal law gives you one free report from each nationwide bureau every 12 months under 15 U.S.C. 1681j(a); the weekly free reports at AnnualCreditReport.com are a programme the bureaus have voluntarily extended rather than an entitlement, so pull them while they are there, before and after every dispute.

What the court record shows, and what the FCRA pays

Cenlar is sued regularly, and the docket repays precise reading, because a case number proves far less than people assume.

Rulings that let claims proceed. In Bellow v. Cenlar FSB, Eastern District of Louisiana No. 2:18-cv-09401, on April 13, 2020, credit reporting claims under the FCRA and the FDCPA survived a motion to dismiss and the rest were dismissed with prejudice. A refusal to dismiss decides that a complaint may go forward and nothing about liability. So too in Lenchitz v. Cenlar FSB, District of New Jersey No. 3:22-cv-07216, where dismissal was denied on March 11, 2024. In Montgomery, Southern District of Alabama No. 1:20-cv-316, on February 16, 2022, summary judgment was denied on the RESPA claim, meaning it went forward rather than that anything was proved, while summary judgment on the FDCPA claim was granted to Cenlar.

A decision that split. In O'Keeffe v. Cenlar Agency, Inc., Southern District of Ohio No. 2:22-cv-4070, cross-motions for summary judgment were decided on September 23, 2024, and the order went both ways. The homeowners won summary judgment on the RESPA 120-day rule and on breach of contract liability. The servicer won on the notice of error claim. Damages were denied as premature rather than refused. One caution on the caption: Cenlar Agency, Inc. is a separately named defendant whose corporate relationship to Cenlar FSB we cannot confirm.

Rulings the servicer won. In Calcut, Ninth Circuit No. 24-764, the court affirmed summary judgment for the defendants on May 8, 2025, finding no viable RESPA claim. In Baker v. Central Loan Administration and Reporting FSB, District of New Jersey No. 2:25-cv-01696, the complaint was dismissed without prejudice on September 16, 2025, which ends that complaint rather than the claim.

Money, with its matter, its date and its payer. In Lucero v. Cenlar FSB, Western District of Washington No. 2:13-cv-00602, judgment was entered against Cenlar after a bench trial on January 28, 2016 for $213,888, on RESPA qualified written request and state law grounds. A QWR case, not a credit reporting case. In Kamrava v. Cenlar Capital Corp., Central District of California No. 2:20-cv-11465, a $714,000 common fund payable by the defendant, Cenlar Capital Corporation, received final approval on April 14, 2025 in a telephone-contact case under the TCPA and California law, again not a credit reporting case. Note the payer: Cenlar Capital Corporation is a different named entity from Cenlar FSB, and we cannot confirm the relationship. The approved notice states that the Court did not decide in favor of either Plaintiff or Defendant and that Defendant denies any wrongdoing. A settlement without an admission is not a finding.

Read as a whole the honest summary is narrow. One matter, Lucero, produced a money judgment after trial, on RESPA and state law grounds and about a qualified written request. One more, O'Keeffe, produced a RESPA and contract liability ruling for homeowners against a Cenlar-named defendant, with damages still open. Beyond those two, no court has found Cenlar liable to a consumer under the FCRA, the FDCPA or TILA, and pending allegations elsewhere remain allegations. Which is the point: your own file, not somebody else's docket, decides whether you have a claim.

What the FCRA pays turns on the furnisher's state of mind. Under 15 U.S.C. 1681o negligent noncompliance supports actual damages plus costs and fees and nothing else, with no statutory and no punitive damages. Under 15 U.S.C. 1681n willful noncompliance, which includes reckless disregard, supports actual damages or statutory damages of $100 to $1,000, punitive damages and fees. A furnisher that reverifies a delinquency after a bureau forwarded it your cancelled cheques is the shape of that argument. 12 U.S.C. 2605(f) gives actual damages, with up to $2,000 more only on a showing of a pattern or practice.

Two clocks and one gate. 15 U.S.C. 1681p allows suit within the earlier of two years from your discovery of the violation or five years from the violation itself. RESPA is shorter and less forgiving: 12 U.S.C. 2614 gives three years from the occurrence, with no discovery rule. The gate is TransUnion LLC v. Ramirez, 594 U.S. 413 (2021), which held that without concrete harm there is no standing, and that makes evidence of dissemination decisive. The denial letter, the adverse action notice, the repriced rate sheet, the email from the loan officer are what turn a wrong entry into a case, and they are the items most often missing.

Where servicing arrived after the loan was already in default an FDCPA analysis may also be available, and the FDCPA claims above show the theory gets litigated against this company. Where it applies, a debt validation letter under 15 U.S.C. 1692g opens its own thirty-day window, and 1692e(8) makes reporting a disputed debt without noting the dispute a violation in itself.

Waiting has a price. The tradeline keeps reporting while you decide. The 60-day bar in 1024.35(i)(1) runs only from a notice you actually send. The clocks in 1681p and 2614 run whether or not you act, and 2614 runs from the day the thing happened rather than the day you found out. And a servicing transfer of the kind the Pennymac transaction would produce scatters records across two companies, making the same dispute markedly harder to prove a year later.

How The Kim Law Firm handles Cenlar problems

We act for homeowners only, never for servicers, investors or credit bureaus. The Cenlar files that become cases have a recognisable shape: an escrow recalculation that produced a shortfall and then a furnished delinquency; a payment the previous servicer received on time inside a transfer window; a forbearance reported as a default; a modification or trial plan the report does not reflect; or a bureau dispute that came back verified with nothing changed.

We do not remove accurate negative information, and no lawyer lawfully can. If the payment was genuinely late and the entry records it correctly, you should hear that on the first call rather than after a retainer. A complaint about a servicer's manners, its hold times or the size of the escrow bill is real, and it is not a Fair Credit Reporting Act case.

Bring six things and a review takes minutes rather than weeks: the 1024.33 transfer notices from both the old and the new servicer; monthly statements and payment records covering the disputed period, including cancelled cheques or bank records; every escrow analysis and annual escrow statement; all loss mitigation correspondence, including the application, the acknowledgment, the evaluation and any appeal; the dispute letters you sent, with the certified mail receipts; and the reinvestigation responses the bureaus sent back. The last two are what turn a grievance into a claim.

Retaining counsel has one immediate effect where the FDCPA applies. Under 15 U.S.C. 1692c(a)(2) a debt collector that knows you are represented must deal with your lawyer instead of you. That knowledge is account-specific, so a notice of representation should name every account it is meant to cover.

Our FCRA lawyer guide explains how a case runs from the first call to resolution, and the credit reporting errors overview covers the patterns we see most often. Other companies in this industry appear on our mortgage servicers page. When you are ready, contact us for a free review.

Frequently asked questions

What kind of company is Cenlar?

Cenlar FSB is a federally chartered savings bank in Ewing, New Jersey that says it has focused exclusively on subservicing since 1997. It does not lend to you. It administers loans that other institutions own or hold the servicing rights to, about 2 million of them, carrying roughly $740 billion in unpaid principal for around 100 institutional clients, against total assets of its own of about $864.5 million as of March 31, 2026. Its d/b/a, Central Loan Administration and Reporting, describes the job. For credit reporting purposes, what matters is whether it is the company transmitting your tradeline.

Is Cenlar a legitimate company?

Yes, and you can verify it rather than take anyone's word for it. Cenlar FSB is an operating federal savings bank supervised by the Office of the Comptroller of the Currency and insured by the FDIC, carrying FFIEC identifier RSSD 934271 and FDIC certificate number 30996. Both are searchable in federal databases in about a minute. That check answers less than it seems to, though. A legitimate, insured, federally supervised bank can still furnish a delinquency that never happened. Charter status tells you the company exists and can be sued. It tells you nothing about whether your tradeline is accurate.

Are Cenlar and Citibank the same company?

Cenlar is a separate company from the lender whose name appears on your loan documents. A subservicing arrangement is a contract for services; it does not by itself mean common ownership. The question comes up because of how subservicing works: the bank you borrowed from may keep its name on your paperwork while a subservicer does the daily work and reports to the credit bureaus, so a homeowner sees two names attached to one loan and assumes a hidden connection. One client bank tells its own borrowers in plain terms that it uses Cenlar FSB to service mortgage loans on its behalf. To find out which company furnishes your mortgage tradeline, read the creditor name printed next to it on your own credit report.

Where do I send a dispute about my Cenlar mortgage?

It depends which dispute you mean, because two different letters go to two different places. A notice of error, qualified written request or request for information must go to P.O. Box 77423, Ewing, NJ 08628, the address designated in the footer of the cenlar.com homepage. That is the only address that starts the RESPA clocks and the 60-day bar on furnishing adverse information about the disputed payment. A credit reporting dispute is separate: send it to Equifax, Experian and TransUnion, because only a bureau-routed dispute triggers the furnisher duty you can enforce yourself under 15 U.S.C. 1681s-2(b). Send both certified.

What will happen to Cenlar?

On February 11, 2026 Pennymac announced an agreement to acquire Cenlar's subservicing business for $172.5 million up front plus up to $85 million contingent over three years. As of July 27, 2026 the transaction is announced and has not closed. The parties expect closing in the second half of 2026, subject to customary closing conditions including required regulatory approvals, and the announcement says Cenlar will surrender its bank charter concurrently with closing. If it closes, expect a servicing transfer with its own notices and its own 60-day window. Until then nothing about your loan changes.

Distance is not an obstacle. The Kim Law Firm represents homeowners nationwide in Fair Credit Reporting Act matters, from our offices in Philadelphia, Pennsylvania. If a mortgage subserviced by Cenlar is reporting a delinquency you did not cause, an escrow shortfall you were never told about, or a payment the old servicer received on time during a servicing transfer, we would like to see the report and the transfer notices.