Consumer complaint received 2025-09-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC
State: PA

Complaint narrative:
Collection Agency : Sunrise Credit Service Collection Agency Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Account # : XXXX I am writing about the alleged debt referenced above. I am exercising my rights under the Fair Debt Collection Practices Act, 15 U.S.C. 1692g. Please treat this letter as a written request for validation and verification of the debt. Legal Information Institute Specifically, please provide the following information and documentation ( copies only do not send originals ) : 1. A clear statement of the amount you allege I owe, including a full itemization showing the original principal, interest, fees, and any other charges that make up the total balance. Legal Information Institute 2. The name and address of the original creditor and the account number as assigned by the original creditor. U.S. Code 3. Documentation showing you ( or the entity you represent ) have the legal right to collect this debt, including the contract or agreement that created the debt and any signed agreements or assignments that show how your company acquired the debt ( chain of title/assignment ). Consumer Financial Protection Bureau 4. A copy of any judgment ( if you assert a judgment exists ) and documentation showing the judgment is valid and enforceable. GovInfo 5. Proof of the date of last payment and/or the date the account was charged-off, and the date of the alleged default. 
6. A copy of any billing statements, payment history, or records showing how you calculated the balance.

7. The name and license number of the collector ( if applicable ) and the state ( s ) in which the collector is licensed to collect debt.

8. If you report this account to any credit reporting agency, please identify which bureaus and the date ( s ) of reporting.

9. If you claim I am responsible for this debt because of a contract or agreement in my name, please provide a copy of the signed contract or other verifying documents showing my signature or other proof of my liability. 
Cease Collection and Communication Pending Verification : Pursuant to 15 U.S.C. 1692g ( b ), if I notify you in writing within the 30-day period that the debt ( or any portion ) is disputed, you must cease collection of the debt, or the disputed portion, until you obtain verification of the debt or a copy of a judgment and mail me a copy of such verification or judgment. Therefore, unless and until you provide the requested verification, please cease all collection activity ( including phone calls and reporting to credit bureaus ) with respect to the disputed amount. U.S. Code+1 Communications : Except as required by law, I request that you communicate with me only in writing at the address above. If you have mistakenly reported this account to any credit reporting agency, I request that you temporarily suspend reporting the account until you provide proper verification. Consumer Financial Protection Bureau Not an Admission : This letter is a request for verification and is not an admission of liability for the debt. 
Please provide the requested documents to my address above within a reasonable time ( and in any event before you resume collection activity ). If you can not provide verification, you must cease collection efforts and notify any credit reporting agencies to remove or correct the entry.

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