Consumer complaint received 2024-10-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SUNRISE CREDIT SERVICES, INC
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Sunrise Credit Service XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Validation of Debt Dear Sir/Madam, I have recently pulled my credit report and noticed that there is a collection listing from your agency. I am aware that you purchased this debt for a fraction of its original value, which is a common practice in the debt collection industry. I have never been notified of this collection or that I owed a debt. This letter is to inform you that I have the right to request a validation of this debt and your ability to collect any payment from me. I ask that you prove that I am indeed the party who is contractually bound to pay this debt or stop collection activity and remove it from my credit report immediately. 

I demand that you provide me with the following documentation ; 1. A valid contract, signed by me, explicitly authorizing you to purchase this debt in my name and report it to my credit report.

2. A copy of the letter you sent to me informing me of the alleged debt and granting me the opportunity to dispute it before reporting it to my credit report.

3. A signed contract or agreement between myself and your company, clearly stating the terms and conditions of the debt.

4. Documentation proving that your company is authorized to collect this debt on behalf of the original creditor.

5. Detailed statements outlining the amount owed, including any interest or fees that have been added.

It is essential that you provide this information promptly to avoid any further legal action. I must emphasize that I have never contracted with your company, and therefore, I am not obligated to pay any debt to you. Continuing to harass me with claims of a debt that I do not owe is a violation of my rights under the FDCPA.

If you fail to provide the requested documentation within 10 days of receiving this letter, I will have no choice but to consider this matter resolved and will take appropriate action to protect my rights. This may include filing a complaint with the Consumer Financial Protection Bureau and seeking legal counsel to address your company 's unlawful debt collection practices.

I strongly urge you to comply with my request and provide the necessary validation of the debt. Failure to do so will only further demonstrate your company 's disregard for the law and will result in severe consequences.

Please consider this letter as my final attempt to resolve this matter amicably. I expect a prompt response from your company, confirming receipt of this letter and providing a detailed plan of action to address my request for debt validation.

Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX All Rights Reserved

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