Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC
State: AR

Complaint narrative:
Consumer Name : XXXX XXXX Email : XXXX Phone : XXXX Companies Involved : Sunrise Credit Services XXXX XXXX XXXX ( also reporting Sunrise Credit Service ) Accounts Involved : Sunrise Credit Services Account No. XXXX XXXX XXXXXXXX XXXX  Account No. XXXX Complaint Description I am submitting this complaint regarding unfair, deceptive, and unlawful debt collection and credit reporting practices by Sunrise Credit Services and XXXX XXXX XXXX. 
Both companies are reporting and attempting to collect separate collection accounts for what appears to be the same underlying debt, originally associated with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have been contacted and reported on by multiple collection agencies for the same alleged obligation, which is misleading and violates federal consumer protection laws. 
Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, only the lawful owner of a debt has the legal right to collect or report it. Reporting or collecting the same debt multiple times under different entities is an unfair and deceptive practice under 15 U.S.C. 1692e and 1692f.

Additionally, these accounts are being reported to consumer reporting agencies without proper validation, which violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, including the requirement that furnishers ensure information is accurate, verifiable, and not misleading.

I formally disputed these debts and requested validation, including : The total amount of the alleged debt The name of the original creditor and original account number A copy of the original contract or agreement The complete chain of ownership showing all transfers of the debt Proof that the collecting entity is licensed and authorized to collect in my state Despite my dispute, the accounts continue to be reported and no adequate validation has been provided. Reporting disputed, unverified, and duplicative collection accounts is harmful, misleading, and unlawful.

Harm Experienced As a result of these actions : My credit reports contain duplicate collection accounts for the same alleged debt My credit score and financial standing have been negatively impacted I have experienced unnecessary stress and confusion due to conflicting and improper collection efforts I have been denied the ability to accurately assess which entity, if any, has a lawful claim I am requesting that the CFPB require the companies to : Cease all collection activity until lawful debt validation is provided Remove any inaccurately or duplicatively reported collection tradelines from all consumer reporting agencies Provide full written validation showing legal ownership and authority to collect, or permanently delete the accounts Ensure compliance with the FDCPA and FCRA going forward This complaint is submitted in good faith and is not an acknowledgment of liability. I am exercising my rights as a consumer under federal law and requesting regulatory review of these practices.

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