Consumer complaint received 2024-05-26 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SUNRISE CREDIT SERVICES, INC
State: TN

Complaint narrative:
Sunrise Credit Services on XX/XX/2024 proceeded to create legal joinder by fraudulently collecting on a debt that they were not a authorized and legitamite party too. Where there is no contract there is no obligation. Your failure to demonstrate the REQUIRED presentation of composed PROOF as demanded in this declaration would compel me to consult my consumer complaint lawfully to the members of the XXXX, as undoubtedly reporting not only must be true, timely, and accurate but also in its COMPLETENESS of DATA ENTRY presented to any entity INCLUDING all consumer reporting repositories. 

As your firm is well aware I have LEGALLY exercised my rights by disputing the validity of this debt.CERTAINLY BEYOND A SHADOW OF A DOUBT, WHEN A CIVIL COURT TAKES RIGHTFUL NOTE THAT I have in writing and by phone demanded that you provide documented validation to me, instead you have ignored my demands and started phone harassment against me. Since your firm has knowingly violated both federal and state law, I am demanding that you CEASE all collection activities. Including but not limited to any and all phone calls, emails or faxes, Stop at once reporting the debt in question to any and all Credit Reporting Agencies and remove any current erroneous reports you may have provided. 

I have composed this writ notice of my formal consumer complaint and declaration of challenge to your still unproven to be compliant much less fully true, complete, correct, and timely reporting even having no documentary evidence of certified ownership and responsibility of the alleged claim fronted by you versus me unjustly so.This is in response to the communication I received from a collector representing your agency recently, quite disturbing and frustrating mind you!. 

Your collector informed me that INSANELY I somehow am being sought after because you believe, in ERROR, that I do or did at XXXX point owe YOU an alleged debt of any nature ( see enclosed ). Prove it sayI and do so extremely mindful of the obligation to abide fully each and all regulations, precedence, and standards of reporting as per determined by federal and MY STATEs consumer reporting laws & regulations, INCLUDING the CRSA ( Credit Reporting Settlement Agreement ) which enacted the CDIA to implement the XXXX XXXX DATA FIELD FORMATTING REGULATORY REPORTING COMPLIANCE standards and laws. The way of the past inyour unethical and unlawful reporting chicanery and subterfuge will cost you now, and I am hopeful you test my reserve and intelligible ability to convince a civil court of your willful wrong doings, despite my written note to you detailing exactly your ignorance to required procedural mannerism in the conduction of the business you do. Alarmingly, when I questioned the collector regarding your rights to pursue this, I was laconically and rudely or even repetitiously informed that your collection company ignores lawfully required mandates the office policy DID NOT permit any validation of the information regarding this alleged debt and it was your firm 's policy to NOT provide detailed account records to ANY debtor. When I demanded to speak with a supervisor, your collector informed me that a supervisor was unavailable and I could pay the debt or face being sued by your firm. When I informed YOUR collector that I was starting to record the conversation your collector hung up

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