Consumer complaint received 2023-10-18
Company: SUNRISE CREDIT SERVICES, INC
State: NY
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
SUNRISE CREDIT SERVI/XXXX XXXX You are in violation of the following subsections of the FCRA ( Fair Credit Reporting Act ) 15 USC 1681. Before I proceed I would like to make it clear to ur company, and those in positions of Authority at your company that congress makes it clear that the banking system is dependent Upon my consumer reports being fair, and accurate to me, Pursuant to 15 USC 1681 ( a ) ( 1 ). Pursuant to 15 USC 1681 ( a ) ( 2 ) congress made clear that you are an elaborate mechanism with no real standing, OR authority. Pursuant to 15 USC 1681 ( a ) ( 3 ) You were not given this role. You assumed this vital role, and because of your ASSUMPTION you have negatively affected my life, and those around me causing me severe hardship, mental stress, and depression. I have been unable to live fairly because of you assuming this role, Pursuant to 15 USC 1681 ( a ) 4 ) You were unfair in reporting this erroneous information without First consulting with me the consumer. You have no proof that this transaction even took place.You were also impartial because you allowed information to be reported while only hearing one side of the story. You also infringed upon my right to privacy by having a conversation about me with a third party, and reporting this information as result of that third party. I am demanding that this information be removed PERMANENTLY soon as possible. Pursuant to 15 USC 1681 ( a ) ( b ) You did not meet the needs of commerce because this was not Fair and equitable to me. This information is not accurate, neither is it relevant to me. Nor was this False information properly utilized in a manner that is or was equitable to me. This information is not accurate, nor is it relevant to me. Nor was this False informaton properly utilized to a manner that is or was equitabie to me. If This transaction even took place it should've been confidential so you in fact betrayed my confidence. You are in violation of 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) If this was a factual transaction ( Which you would not know because you were no there ) it would in fact be a transaction that solely took place between me and the person who allegedly made this report. Pursuant to 15 USC 1681s ( d ) ( 2 ) ( a ) ( I ) it should be excluded from my consumer report. Pursuant to 15 uS 1681a ( 2 ) ( B ) " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device '' Should be excluded from a consumer report. The definition of a credit card under 15 us 1681 is the same as it is under 15 USC 1602 ( 1 ) which is " the term " credit card '' means ANY card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit '' Notice, congress said ANY card. The credit card referred to in the following section is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should all be removed from My consumer report pursuant to 15 us 1681a ( 2 ) ( B )

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