Consumer complaint received 2022-05-27
Company: SUNRISE CREDIT SERVICES, INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was notified by XXXX in XXXX of 2022, that a collections company, Sunrise Credit Services , Inc. had reported a collection to my credit report. I contacted the third-party collections and immediately paid in full the balance due. The collections supervisor informed me that they would report the balance as paid ; however, to have the collections removed from my credit report, I would need to speak to someone within the Credit Bureaus. I spoke to an XXXX representative to confirm my dispute and payment, with the ability to remove the negative reporting collections the same day. However, XXXX and XXXX are stating that they are reporting agencies, and the negative collection reporting has to stay on your credit report for seven years although the payment has been updated to be paid in full with a XXXX balance. I find this to be false information. If XXXX was able to remove it from the credit report the same day after showing that the payment in full was made to the third-party collection agency, XXXX and XXXX possess these same capabilities. No ones XXXX credit score should be reduced by over XXXX points due to an erroneous collections charge in the amount of only {$100.00}, due to the creditor ( XXXX ), not following up per the documented conversation to receive the payment by phone. Allowing creditors, third-party collection companies, and credit reporting bureaus to place negative erroneous information on a person 's credit file that is utilized to weigh an individuals credibility to make life-saving decisions, must stop immediately.

The point of filing a dispute with the credit bureaus ( XXXX and XXXX ), is to have the negative erroneous reporting from the collections REMOVED from my credit report file immediately, not to wait for seven years. If I had received the follow-up within a timely manner as promised by the XXXX representative, that is when I could have provided the additional payment information and resolved this matter prior to reporting erroneous information to third-party collections. It must stop with allowing creditors, third-party collection companies, and credit reporting bureaus to submit a charge to your credit profile, then tell you it has to stay on your credit report for seven years before it can be removed. UNACCEPTABLE. I am reaching out to the Consumer Financial Protection Bureau ( CFPB ) requesting your kind assistance to further investigate this matter and to provide additional knowledge and instructions for having XXXX and XXXX remove the negative paid in full third party collections account ( Sunrise Credit Services , Inc. ), from my credit report due to it is hurting my XXXX  credit score and causing emotional distress if I am unable to provide for my family because every business venture and creditor review what is reported to the three major credit bureaus to determine one 's creditability. Therefore, one must be selective about what is reported to confirm the accuracy and due diligence. I do hope I have provided enough detailed information to the CFPB to support this case to assist your staff members in developing a full understanding of the dispute and reasoning for your assistance request. It is important that we take the time from our busy lifestyles and speak out when a wrong has been rendered so that no other consumer will experience such amiss. Thank you in advance for your kind assistance, and please do not hesitate to contact me if additional information is needed. 

Best regards, XXXX XXXX, XXXX Email : XXXX C : ( 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