Consumer complaint received 2021-04-19
Company: SUNRISE CREDIT SERVICES, INC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Im writing to the FTC in response to continued attempt by XXXX XXXX XXXX XXXX trying to collect a {$220.00} debt from me since XXXX through Sunrise credit collection agency, account number XXXX. This debt has been reported to the three credit reporting agencies and has been and has negatively affected my credit worthiness. This has also caused me a great deal of financial stress. I have repeatedly disputed this debt with all three credit reporting agencies, at some point it was removed from my credit report and just recently XXXX it was placed back on my XXXX credit report and has decreased my credit score once again. I have again disputed this debt and asked for the appropriate verification of this debt from the debXXXX collector XXXX XXXX XXXX and XXXX. 

This account was generated in error on XX/XX/XXXX, during this time I went into the XXXX XXXX XXXX XXXX XXXX and attempted to transfer services on my wireless phone from XXXX to XXXX XXXX XXXX. At that time the representative tried to set up service on my old phone with phone number XXXX and was unable to. I then, had to change my phone and phone number on this date. I currently have a current account with XXXX XXXX XXXX via XXXX XXXX that is current. The account that Im writing about was not cancelled by the representative on the date that I opened the new account and therefore generated a bill that XXXX XXXX XXXX sent to collections. 

I have also made multiple calls to XXXX XXXX XXXX customer support and fraud department and received no results. I received a letter from the XXXX XXXX XXXX XXXX department stating that I owed the debt with no verification on how they came to that conclusion. 

On XX/XX/XXXX, I went to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NJ and spoke to a supervisor named XXXX XXXX and she made several calls to their customer retention and fraud department to get them to resolve this issue and was unable to. XXXX XXXX XXXX told both myself and the supervisor XXXX at the store that theyre unable to provide information or make any changes on the account without a passcode that was provided when the account was setup. I do not know any passcode that was setup on this account. However, she told me that the account was an error but for some unknown reason, she was unable to get a printout for me to provide to the collection agency. At that time she also spoke to a representative at Sunrise collection agency and asked him to resolve the account. The representative asked me to call Sunrise credit on Tuesday XXXX, XXXX to see if my account was updated. I called Sunrise credit collections back on Wednesday, XX/XX/XXXX and spoke to XXXX XXXX who reluctantly notified me that he will send out an verification of debt to XXXX XXXX XXXX. 

At this time, this debt has prevented me from obtaining financial investments and is putting financial strain on me and my family. I desperately am asking for assistance in resolving this small but complex debt that is not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation