Consumer complaint received 2026-01-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: CT

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX and Sunrise Credit Services for unlawful collection and credit reporting of a fraudulent account that was not opened by me. 

This alleged XXXX XXXX XXXX account was opened without my knowledge or consent and is associated with addresses that have never belonged to me. I have repeatedly notified both XXXX XXXX XXXX and Sunrise Credit Services that this account is the result of identity theft. 

Despite these notifications, XXXX XXXX XXXX continues to assign this same account to multiple XXXX-party debt XXXX. Each prior collector returned the account to XXXX XXXX XXXX after XXXX XXXX XXXX failed to provide signed service contracts or verified government-issued identification allegedly used to open the account. XXXX XXXX XXXX nonetheless continues to reassign the same unverified account for collection. 

This is now the XXXX  time Sunrise Credit Services has attempted to collect on this account after being expressly advised that : The account is fraudulent I did not open, authorize, or benefit from it The account is associated with addresses not linked to me XXXX XXXX XXXX has failed to produce signed contracts or verified identification To date, no validation has been provided. 

Violations Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681s-2 ( a ) ( XXXX ) Furnishing information known to be inaccurate 15 U.S.C. 1681s-2 ( b ) Failure to conduct a reasonable investigation after notice of dispute 15 U.S.C. 1681c-2 Failure to block reporting of information resulting from identity theft after notification Fair Debt Collection Practices Act ( FDCPA ) : 15 U.S.C. 1692e False, deceptive, or misleading representations in connection with the collection of a debt 15 U.S.C. 1692f Unfair or unconscionable collection practices 15 U.S.C. 1692g ( b ) Continuing collection activity without proper validation after dispute Sunrise Credit Services continued attempts to collect after notice of fraud and lack of validation constitute knowing violations of the FDCPAXXXX XXXX XXXX XXXXXXXX continued furnishing and reassignment of this account constitutes reckless disregard under the FCRA. 

Requested Resolution I am requesting that the CFPB require XXXX XXXX XXXX and Sunrise Credit Services to : XXXX. Provide the original signed service contracts XXXX. Provide copies of the verified identification used to open the account XXXX. Immediately cease all collection activity XXXX. Delete all credit reporting related to this account from all consumer reporting agencies XXXX. Provide written confirmation that the matter has been permanently resolved If these documents can not be produced, continued reporting or collection should be deemed unlawful. I reserve the right to pursue additional remedies through the XXXX XXXX XXXXXXXX XXXX and private legal action.

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