Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SUNRISE CREDIT SERVICES, INC
State: NY

Complaint narrative:
The information reported is inaccurate and/or incomplete. Under the Fair Credit Reporting Act ( FCRA ) and the Metro 2 reporting standards, credit reporting agencies are required to ensure that all information is accurate, complete, and properly reported.

I respectfully request that you investigate this item, verify it with the furnisher, and correct or remove it from my credit report as required by law. 



Please send me a written response confirming the outcome of your investigation. I have enclosed copies of supporting documentation where applicable. 



Thank you for your prompt attention to this matter. 



Sincerely, XXXX XXXX XXXX TransUnion XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Finance other than personal XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX Prepared For XXXX XXXX XXXX XXXX generated : XX/XX/XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX Business Type XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Finance, personal XXXX XXXX  XXXX XXXX, IN XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX Business Type : Finance other than personal XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XXXX XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX Business Type : Banks and XXXX & XXXX XXXX XXXX XXXXXXXX XXXX, VA XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Inquiries XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX By mail only This inquiry is scheduled to continue on record until XX/XX/XXXX Prepared For XXXX XXXX XXXX generated : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Business Type : All Banks - non specific XXXX XXXX XXXX XXXX, ND XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXXXXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX Business Type : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NJ XXXX By mail only This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX Business Type : Bank XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX Business Type : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX 
Inquiries XXXX Inquired on XX/XX/XXXX Business Type : Bank XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX By mail only This inquiry is scheduled to continue on record until XX/XX/XXXX Prepared For XXXX XXXX XXXX generated : XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : All Banks - non specific XXXX XXXX XXXX XXXX, XXXX XXXXXXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXXXXXX XXXX XXXX Inquired on XXXX XXXX, XXXX Business Type : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX By mail only This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This inquiry is scheduled to continue on record until XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Business Type : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX : XXXX Page 21 of 30 15 U.S. Code 1681i I closed copies of 3 reports and its different on each one. Please fix it. All XXXX credit reports should say the same thing why XXXX they reporting the same thing? Experience data breach dispute letter XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : XXXX Email : XXXX XXXX : XX/XX/XXXX SSN ( Last XXXX ) : XXXX Date : XX/XX/XXXX Subject : Data Breach Dispute Unauthorized and Unverifiable Credit Information To Whom It May Concern, I am formally disputing inaccurate, unauthorized, and unverifiable information appearing on my consumer credit report as a result of a data breach involving my personal identifying information.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), you are required to ensure maximum possible accuracy and lawful reporting. Due to the compromise of my personal data, I dispute any accounts, inquiries, balances, collections, or public records that I did not expressly authorize.

I demand that you conduct a lawful reinvestigation pursuant to 15 U.S.C. 1681i and delete any information that can not be verified with original creditor documentation, including a signed agreement or proof of lawful data acquisition.

Failure to comply within 30 days may result in complaints filed with the CFPB, my State Attorney General, or pursuit of legal remedies. 
Sincerely, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : XXXX Email : XXXX XXXX : XX/XX/XXXX SSN ( Last XXXX ) : XXXX Date : XX/XX/XXXX Subject : Data Breach Dispute Unauthorized and Unverifiable Credit Information To Whom It May Concern, I am formally disputing inaccurate, unauthorized, and unverifiable information appearing on my consumer credit report as a result of a data breach involving my personal identifying information.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), you are required to ensure maximum possible accuracy and lawful reporting. Due to the compromise of my personal data, I dispute any accounts, inquiries, balances, collections, or public records that I did not expressly authorize. 
I demand that you conduct a lawful reinvestigation pursuant to 15 U.S.C. 1681i and delete any information that can not be verified with original creditor documentation, including a signed agreement or proof of lawful data acquisition.

Failure to comply within 30 days may result in complaints filed with the CFPB, my State Attorney General, or pursuit of legal remedies. 
Sincerely, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : XXXX Email : XXXX XXXX : XX/XX/XXXX SSN ( Last XXXX ) : XXXX Date : XX/XX/XXXX Subject : Data Breach Dispute Unauthorized and Unverifiable Credit Information To Whom It May Concern, I am formally disputing inaccurate, unauthorized, and unverifiable information appearing on my consumer credit report as a result of a data breach involving my personal identifying information.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), you are required to ensure maximum possible accuracy and lawful reporting. Due to the compromise of my personal data, I dispute any accounts, inquiries, balances, collections, or public records that I did not expressly authorize.

I demand that you conduct a lawful reinvestigation pursuant to 15 U.S.C. 1681i and delete any information that can not be verified with original creditor documentation, including a signed agreement or proof of lawful data acquisition.

Failure to comply within 30 days may result in complaints filed with the CFPB, my State Attorney General, or pursuit of legal remedies. 
Sincerely, XXXX XXXX XXXX CFPB COMPLAINT XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. 

Complaint Narrative : I am filing this complaint against XXXX XXXXXXXX XXXX XXXX XXXX for failure to maintain maximum possible accuracy of my consumer credit file and for continuing to report unauthorized, inaccurate, and unverifiable information after my personal identifying information was compromised in a data breach. 

My identifying information is as follows : Name : XXXX XXXX XXXX XXXX of Birth : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX Due to the exposure of my personal data, I formally disputed all accounts, inquiries, and data on my Experian credit report that were not expressly authorized by me. Experian failed to provide strict proof of authorization, including signed contracts or original creditor documentation, yet continues to report this information.

This conduct violates the Fair Credit Reporting Act, including but not limited to : 15 U.S.C. 1681e ( b ) failure to assure maximum possible accuracy 15 U.S.C. 1681i failure to conduct a lawful reinvestigation 15 U.S.C. 1681b impermissible reporting without valid authorization I am requesting that Experian immediately delete any inaccurate, unverifiable, or unauthorized information from my credit file and provide written confirmation along with an updated credit report. Continued reporting of compromised data causes ongoing financial and reputational harm.

CFPB COMPLAINT XXXX XXXX XXXX XXXX XXXX XXXX XXXX Complaint Narrative : I am submitting this complaint against XXXX XXXXXXXX XXXX XXXX for failure to correct and delete inaccurate, unauthorized, and unverifiable credit information that appears on my consumer report following a compromise of my personal data. 

My personal identifying information includes : Name : XXXX XXXX XXXX XXXX of Birth : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX  has continued to report accounts and data that I did not authorize and that can not be validated with original documentation. Despite receiving dispute notices, Equifax has failed to demonstrate lawful acquisition, chain of custody, or permissible purpose for reporting this information. 
This constitutes violations of the Fair Credit Reporting Act, including : Failure to ensure accuracy under 15 U.S.C. 1681e ( b ) Failure to properly reinvestigate under 15 U.S.C. 1681i Reporting without permissible purpose under 15 U.S.C. 1681b I am requesting immediate deletion of all unauthorized or unverifiable data and written confirmation of compliance. XXXX continued inaction is causing ongoing harm and exposes them to liability for willful noncompliance. 



CFPB COMPLAINT TRANSUNION Company : XXXX XXXXXXXX Complaint Narrative : I am filing this complaint against XXXX XXXXXXXX for reporting inaccurate and unauthorized information on my consumer credit report after my personal identifying information was compromised in a data breach. 

My identifying details are : Name : XXXX XXXX XXXX XXXX of Birth : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX TransUnion has failed to provide competent evidence that the information it reports was lawfully obtained or authorized by me. No original signed contracts, applications, or proof of permissible purpose have been produced. Despite this, TransUnion continues to publish the disputed data.

This violates the Fair Credit Reporting Act, including : 15 U.S.C. 1681e ( b ) accuracy requirements 15 U.S.C. 1681i reinvestigation duties 15 U.S.C. 1681s-2 responsibilities related to disputed information I am requesting immediate deletion of all inaccurate and unauthorized entries, written confirmation of the corrections, and a complete updated credit report. Continued reporting of compromised data is harmful and unlawful

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