Trainlover, you don't say whether your track is new or you have been using it for a few years, so this may or may not apply.
I have had a lot of problems with MTH/Lionel tubular track having a dead short issue with center rail insulation. The track piece will look fine to visual inspection, but will dead short when power is applied. After a lot of frustration, I found that the machine that made the track was over-enthusiastic at crimping the tabs down on to the rail, and the tab actually cuts right through the small insulation piece and contacts the rail. You will not be able to see this unless you pry back the tabs and take off the insulation piece.
This problem involves a lot of track, both straight and curved pieces, all "MTH" stamped. The insulators involved are always the end ties of the piece of track, never middle ties. Over time I have learned that they look a little different; once you know what to look for, the tabs are crimped further down on the rail so that the tab is almost flat, and the edge of the tab kind of disappears into the fabric of the insulator.
I fixed a lot of the track when I was building my layout, but over the years more pieces have developed shorts that did not have them before. More than once I have vowed to tear up the layout and do it over, but now that I know what to look for it's a quick fix to repair it in place, slipping in a new insulation piece.
Don't know if this has anything to do with your set-up, but thought I'd throw it out there for general information. Th track pieces and insulations look fine when you inspect them, you'd almost have to already know what to look for before you'd find it.