Consumer complaint received 2024-10-28
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (FL)

Dear CFPB Complaint Department, I am filing this complaint against Sunrise Credit Services for its relentless, unethical, and obstructive tactics in handling my account. This company has shown a blatant disregard for my rights under the Fair Credit Reporting Act ( FCRA ) and demonstrated practices that, in my view, warrant a thorough investigation and immediate corrective action. 

1. Harassing and Boiler Room Tactics Sunrise Credit Services operates with a high-pressure, boiler-room mentality, which involves repeated, aggressive attempts to intimidate consumers into accepting alleged debts without offering any proper verification. They contact me incessantly, with representatives that employ high-pressure language, trying to bully and force me into compliance, which is both unprofessional and unlawful. 

2. Rude and Obstructive Customer Service The customer service representatives at Sunrise Credit Services are consistently rude, unhelpful, and unwilling to provide even the most basic assistance. They have ignored my requests for documentation and verification of the alleged debt and have responded with hostility when I attempt to obtain this information. Their interactions are unprofessional, and their representatives make it abundantly clear they have no interest in consumer rights, only in extracting payments, regardless of legitimacy. 

3. Obstruction of My Rights and Refusal to Provide Accurate Contact Information When I requested the correct address for submitting a formal dispute and debt validation request, Sunrise Credit Services purposefully provided inaccurate information, obstructing my ability to exercise my rights under the FCRA. This tactic seems designed to frustrate consumers and prevent them from submitting proper legal disputes. 

4. Violation of FCRA and Potential Fair Debt Collection Practices Act ( FDCPA ) Infractions By refusing to verify the debt and by failing to provide me with the correct address for dispute submission, Sunrise Credit Services is in direct violation of the FCRAs requirements to report only accurate, verifiable information. Additionally, their aggressive and unprofessional tactics may constitute violations of the FDCPA, as they appear to engage in deceptive practices aimed at discouraging consumers from defending their rights. 

Formal Request for CFPB Investigation I urge the CFPB to launch a comprehensive investigation into Sunrise Credit Services practices and to impose any necessary sanctions to prevent further consumer harm. Their relentless harassment, unwillingness to provide clear contact information, and use of boiler-room tactics have caused significant stress and financial disruption in my life, and I believe many other consumers may be suffering similar abuses at their hands. 

This complaint serves as a formal request for the CFPB to take immediate action against Sunrise Credit Services to hold them accountable for these unlawful practices. Thank you for your attention to this matter. 

Sincerely, XXXX