Who Is Central Portfolio Control? Why Are They Calling Me?
Most commonly for attempts to collect debt not owed
Contact Central Portfolio Control
- Address to send a debt validation letter
- Central Portfolio Control, Inc. 10249 Yellow Circle Drive, Suite 200 Minnetonka, MN 55343
- Phone
- 1-800-834-2147
- Official website
- https://cpcrecovery.com
As of 2026-08-07 — verify before mailing anything important, since collectors do change addresses.
Central Portfolio Control is a debt collection agency and debt buyer based in Minnetonka, Minnesota, that collects on delinquent consumer accounts referred or sold to it by original creditors. If Central Portfolio Control is contacting you, ask them to validate the debt in writing to confirm the debt is accurate and that the company is legally entitled to collect it before paying.
Has Central Portfolio Control been the subject of regulatory action?
Yes. On October 29, 2013, the Minnesota Department of Commerce took action against Central Portfolio Control’s state collection agency license, finding the company attempted to collect payday loan debt it knew or should have known was written by lenders not licensed in Minnesota — making the underlying loans illegal and void under state law. Central Portfolio Control agreed to pay a $2,000 civil penalty as part of the resolution. Separately, consumers have filed a large volume of complaints with the CFPB and BBB describing calls after 9 p.m., threats of arrest, and letters that misidentify the original creditor — all practices that can violate the FDCPA if verified. If a debt collector claims you owe money on a loan you never took out, or one that came from an unlicensed lender, that’s a red flag worth raising in your dispute.
Questions & Answers
Is Central Portfolio Control a legitimate debt collector?
Central Portfolio Control shows up in the CFPB consumer complaint database, which tracks real complaints filed against real companies — so it is a legitimate, registered entity, not a scam name. That doesn't mean every call claiming to be from them is real; scammers impersonate real collectors. Verify what they're collecting before paying anything — see what to do the first time a collector contacts you.
— US Debt Compass Editorial Team
How do I stop Central Portfolio Control from calling me?
Under the FDCPA, you can send Central Portfolio Control a written cease-and-desist letter and they must stop contacting you except to confirm they've received it or to notify you of specific legal action. This doesn't erase the debt — it only stops the calls. See the cease-and-desist letter glossary entry for how to send one.
— US Debt Compass Editorial Team
How do I dispute a debt with Central Portfolio Control?
Send a written debt validation request to Central Portfolio Control's dispute address within 30 days of first contact — they must then verify the debt before continuing collection. See the contact details above for the current mailing address.
— US Debt Compass Editorial Team
Is Central Portfolio Control on my credit report?
If Central Portfolio Control is collecting on an account, it can appear on your credit report as a collection tradeline, separate from the original creditor's listing. Check your credit report directly to confirm, and see the credit report dispute guide if anything about the listing looks wrong.
— US Debt Compass Editorial Team