Consumer complaint received 2023-09-17
Company: SUNRISE CREDIT SERVICES, INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
They provided no proof of the debt, but instead made a settlement offer to reduce the balance amount to 50 %. 
I would like Sunrise Credit Services , INC to provide fully validate the debt by providing the following : 1 ) .Provide me with proof that you possess the legal right to collect on this debt by producing evidence, such as a transfer of the signed credit card agreement. 

2 ) .Provide me with proof of chain of custody evidence signed agreement between your company and the original Creditor, such as a purchased agreement ; which must include the full purchased price your company paid to acquire this debt from original creditor. 

3 ) .Proof that you are license to collect this debt in the state of Texas .

4 ) .Please provide a verified copy both front and back of the alleged debt contract/agreement/promissory note in its entirety with my signature on it, including any applications, accompanied by a commercial affidavit, sworn to be true, correct.

5 ) .Provide verification and documentation, if there is a charge-off of the alleged debt by the original creditor by providing a copy of the written agreement that created the requirement for your company to seek repayment of the debt claimed and what stipulates your terms to collect the alleged charge-off debt in its entire balance claimed owed by me to the original creditor.

6 ) .Please provide proof that the alleged debt has not been satisfied by any means available including the originator creditor receiving federal Tax write-off or credit for the entire debt used by them as a charge off.

7 ) .Please provide proof that you have not purchased the alleged debt.

8 ). Provide proof of all billing statements from the beginning and closing date of the alleged account.

At this time, I will also inform you that if your offices have reported invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX ) this action may constitute fraud under both federal and state. Due to this fact if any negative mark is found on my credit Bureaus reports by your company or company you represent. I will not hesitate in bring legal action against you and your client for the following : Violation of the Fair Credit Act, Violation of the Fair Debt Collection Practice Act, and Defamation of character. 

If your offices can provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time any collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any credit reports, I will consult with my legal counsel for suit.This includes any listing of any of my information to a credit reporting repository that could be inaccurate or invalidated.

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