Consumer complaint received 2024-07-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SUNRISE CREDIT SERVICES, INC (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ, XXXX XX/XX/2024 Sunrise credit services XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY, XXXX Subject : Dispute of Collection Account, Violation of Consumer Protection Laws Dear Sir/Madam, I am writing to formally dispute the validity of a collection account that your agency has reported to consumer reporting agencies regarding the account referenced. This letter serves as a formal notice of my dispute under the provisions of the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Bureau ( CFPB ) regulations. 
As per my rights under federal consumer protection laws, I have identified several violations of these regulations by your agency : 1. Failure to Provide Validation Information ( 12 CFR 1006.34 ( b ) ( 5 ) ) : Despite my request, your agency has not provided sufficient validation of the debt in question. Under 12 CFR 1006.34 ( b ) ( 5 ), it is mandated that collection agencies must provide verification of the debt upon request by the consumer. This failure to provide adequate validation is a violation of my rights under the law.

2. Denial of Dispute Opportunity ( 12 CFR 1006.34 ( c ) ( 4 ) ( i ) ) : I have not been afforded a reasonable opportunity to dispute the accuracy of the debt as required under 12 CFR 1006.34 ( c ) ( 4 ) ( i ). Your agency has reported this collection account to consumer reporting agencies without allowing me to properly contest the validity of the debt.

3. Use of Deceptive and Misleading Practices : Your agency 's actions in reporting this collection account without fulfilling its obligations under federal law constitute the use of false, misleading, and deceptive means. Such practices are prohibited under consumer protection laws and undermine the accuracy and fairness of the credit reporting system.

4. Violation of Disclosure Requirements ( 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( 7 ) ( A ) ) : By reporting this account to consumer reporting agencies without providing all disclosures required by law, your agency is in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( 7 ) ( A ). These regulations mandate that accurate and complete information must be furnished to consumer reporting agencies, which includes providing all necessary disclosures to the consumer.

Therefore, I demand that your agency immediately : Cease all collection activities related to this disputed account.

Remove any negative reporting regarding this account from all consumer reporting agencies.

Provide me with complete validation of the debt as required by law.

Failure to comply with these demands within 30 days will leave me no choice but to pursue all available legal remedies, including filing complaints with the Consumer Financial Protection Bureau and seeking legal counsel to protect my rights under the FCRA and other applicable consumer protection laws.

Please provide written confirmation that you have received this dispute letter and are taking the necessary actions to resolve this matter. You XXXX reach me at XXXX to discuss this matter further. 
Sincerely, XXXX XXXX