Consumer complaint received 2024-01-30
Company: SUNRISE CREDIT SERVICES, INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX FL XXXX SUNRISE CREDIT SERVICES , INC . 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NY XXXX Subject : Dispute of Collection Account and Request for Deletion from Credit Report DEAR CEO AND EXECUTIVE OFFICE I am writing to formally dispute the collection account that has been reported on my credit report by SUNRISE CREDIT SERVICES INC. I request that you delete this account from my credit report as it has been reported in violation of several provisions of the Fair Debt Collection Practices Act ( FDCPA ) and other related regulations.

Firstly, I would like to bring your attention to the violation of 15 USC 1692, which outlines the guidelines for debt collectors and prohibits unfair practices. It has come to my attention that XXXX XXXX has engaged in practices that are considered deceptive, abusive, and unfair. This includes but is not limited to : 1. Using false, deceptive, or misleading representations or means to collect a debt.

2. Failing to provide me with the required validation of the debt and the name and address of the original creditor.

3. Communicating or threatening to communicate false credit information to any credit reporting agency.

Furthermore, I believe that they also violated 15 USC 1602 and 15 USC 1641, which pertain to the Truth in Lending Act and the transfer of ownership of debts. According to these provisions, creditors and debt collectors are required to provide clear and accurate information regarding the terms of the debt and any subsequent transfers of ownership. In this case, SUNRISE CREDIT SERVICE INC has failed to provide me with the necessary documentation to prove their ownership of the debt and the accuracy of the amount claimed.

Additionally, I would like to highlight the violation of FDCRA Section 624. This section specifically prohibits the reporting of inaccurate or incomplete information to credit reporting agencies. It has come to my attention that [ XXXX XXXX AND SUNRISE CREDIT SERVICE ] has reported inaccurate and incomplete information regarding this collection account, which has negatively impacted my creditworthiness. 

In light of the aforementioned violations, I demand that XXXX XXXX immediately delete this collection account from my credit report. Failure to comply with this request XXXX result in legal action being taken against XXXXXXXX XXXX AND SUNRISE CREDIT SERVICE INC for violations of the FDCPA and other applicable laws. 

I have enclosed copies of any supporting documentation that substantiates my dispute and supports my request for deletion. I kindly request that you conduct a thorough investigation into this matter and provide me with written confirmation of the deletion of this collection account from my credit report. 

Please consider this letter as a formal notice of dispute under the provisions of the Fair Debt Collection Practices Act. I expect your prompt attention to this matter and a timely resolution. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX

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