Consumer complaint received 2022-02-10
Company: SUNRISE CREDIT SERVICES, INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
RE : Fraudulent Bank account # XXXX I am in receipt of a DEBT STATEMENT, dated XX/XX/2022, and am responding accordingly. I choose to respond point for point to what I allege is in fact, an initial invitation to contract with SUNRISE CREDIT SERVICES , INC., they utilized the United States Postal Service in regards to the payment of an alleged debt. Violation of 15 USC 1692 a ), ( d ), ( e ) This letter is to further inform SUNRISE CREDIT SERVICES , INC/Principals that I deem you as a debt collector, subject to the Fair Debt Collection Practices Act, under 15 U.S.C.1692a ( 2 ), ( 5 ) This letter shall serve as my formal notification that I am in good faith requesting DEBT VALIDATION, not account verification NOR copies of the DEBT STATEMENT. 
I have noted the following deficiencies in the DEBT STATEMENT. 
1. Failure to provide any documentation in regards to but not limited to tradelines, security ; guarantee agreements, tax forms, insurance notes, bonds or any other record that will prove in addition to a written declaration by a live witness with first hand knowledge of the origin of this alleged debt. 
1a ) A Financial instrument in the form of a remittance in conjunction with a bank identification number ( XXXX ) has been officially furnished and delivered to me on the witness account of the United States Postal Services. This fraudulent bank account has been accruing interest and benefiting another [ SUNRISE CREDIT SERVICES , INC ] AND not the true beneficiary. Furthermore this dividend has been disguised as an EXTORTION DEMAND in the form of a DEBT STATEMENT, subject to fines and imprisonment pursuant to Title 18 USC, chapter 31 CRIMINAL PENALTIES FOR EXTORTION AND EMBEZZLEMENT. 

2. Failure to provide any documentation or proof in the initial communication received, as to who purchased ANY LOANS under ANY note bearing my name and personal identifying information. 
Therefore, I am disputing the entire balance claimed in the DEBT STATEMENT and further demand that SUNRISE CREDIT SERVICES, INC. provide me with the following : ( a. ) Proof of all indebtedness, including copies of any alleged loan paperwork in your possession, on which you base your alleged claim of default ; ( b. ) Proof of the entire chain of custody of any promissory note claimed to be collected for, including but not limited to, copies of any guarantee, security agreements, contracts for the alleged debt contained within the initial communication ; ( c. ) A full accounting of ALL sums due that have been applied to this alleged loan balance, including alleged default insurance payments, credit default swap payments and any other used to cover the entirety of the loan should an alleged default occur, including correspondence showing the payout dates of these alleged policies ; ( d. ) If this loan was securitized, along with ANY other loans, please provide the name of the trust and location of its trustee, including the full contact information and telephone number ; ( f. ) Provide the exact location of the purported loan documents, autographed by me with wet ink, and any and all FULL MATERIAL DISCLOSURES of how this DEFAULT LOAN/DEBT came into existence. 
( g. ) Provide any and all copies of any and all loan documents, tax forms, balance sheets and any documents in any type of medium such as but not limited to electronic records and tangible forms you have in your possession, bearing my legitimate autograph. 
Be further advised that I am not limiting or waiving any rights or remedies I may now or hereafter have, whether arising under your purported loan documents at law or in equity, all of which rights and remedies I am expressly reserving. 
I would also like to request, in writing, since I can not take your telephone calls into court, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment. All future communications with me MUST be done in writing and sent to my place of dwelling shown in this letter by the United States Postal Service as a witness.

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