Consumer complaint received 2025-11-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sunbit, Inc.
State: TX

Complaint narrative:
I am submitting this complaint because a derogatory account reported under the name XXXX  Account # XXXXXXXX XXXX XXXX is appearing on my credit report, and after reviewing all of my records, I do not recognize this account, do not recall entering into any agreement with the company, and have never received documentation or communication that would reasonably verify that I owe this alleged debt. The continued reporting of this account has created significant confusion and concern, especially because I have repeatedly attempted to understand the origin, validity, and documentation behind the account, but I have not received any direct evidence confirming that I am responsible for it. 

The purpose of this complaint is to describe in detail what happened, the steps I have taken, the issues I encountered during my attempts to resolve the matter, and why I believe the information being reported is inaccurate, unverifiable, or potentially the result of an error in the credit reporting process. I am not refusing any legitimate obligation. Rather, I am asking for the accuracy and fairness required by federal law to be applied to my credit file. 

SECTION XXXX XXXX XXXX XXXX ACCOUNT I discovered the disputed XXXX account while reviewing my credit report. I routinely check my credit reports for accuracy, and during XXXX of these reviews, I saw an entry showing a derogatory or charged-off status related to this creditor. The information included a closing date reported as sometime in XXXX  and a balance amount that appeared significant. The listing was marked in a way that negatively impacts creditworthiness, creates barriers to obtaining credit, and influences lenders perception of my financial reliability. 

Before this discovery, I had never received a bill, notice, email, phone call, statement of account, or any form of communication from the company associated with the name XXXX/XXXX. Additionally, I had never been offered a product, service, loan, or credit line by any entity using that name. This immediately raised concerns that either the account was incorrectly reported, the account belonged to another person, or a mistake occurred in the processing or transmission of the data furnished to the credit reporting agencies. 

To be as thorough as possible, I reviewed all available personal records, including receipts, contracts, purchase orders, financing agreements, payment statements, emails, and electronic documentation from any merchant or creditor I have interacted with. After this review, I confirmed that nothing matched, referenced, resembled, or connected to XXXX/XXXX, nor did any financial activity in my history correspond to the type of account being reported. 

Because credit reporting should be based only on accurate, verified, and properly documented data, the presence of an unfamiliar and unverified account immediately raised concerns about accuracy and compliance. 

SECTION XXXX NO RECORD, NO DOCUMENTATION, AND NO PRIOR NOTICE XXXX of the most concerning aspects of this situation is that I never received any notice of this alleged accountnot at the time it was supposedly opened and not at any time afterward. Credit accounts, financing agreements, and payment arrangements typically include some form of : Application or authorization, Billing statements, Payment confirmations, Delinquency notices, Collection notices, Contract copies, Or at least introductory communications. 

I received none of these from XXXX 

The absence of communications or documentation suggests XXXX of the following possibilities : The account was mistakenly attributed to me, A clerical error occurred in data furnishing, The account belongs to someone else with similar identifying information, A third party incorrectly submitted information, An internal system error occurred, XXXX, less likely but still possible, unauthorized activity or identity misuse occurred without any notification to me. 

Regardless of which scenario applies, the lack of documentation or notice makes it impossible for me to identify the account as my own. 

SECTION XXXX ATTEMPTS TO RESOLVE AND DISPUTE THE INFORMATION After discovering the account, I took immediate steps to dispute the information through the credit reporting agency responsible for displaying it. I submitted a formal dispute explaining that I did not recognize the account and requested a reinvestigation in accordance with the Fair Credit Reporting Act ( FCRA ). My request included a clear demand for validation and verification of the debt. 

The reinvestigation process primarily involves the credit bureau contacting the furnisher to inquire whether the reported information is accurate. After submitting my dispute, I received confirmation that the bureau forwarded my inquiry to the furnisher. However, when the bureau issued its response, it stated that the account was verified, but it did not provide any documentation or proof supporting that conclusion. 

No contract was supplied. 
No signature was supplied. 
No account statements were supplied. 
No application was supplied. 
No billing history was supplied. 
No proof of identity associated with the account was supplied. 

Instead, the response appeared to rely solely on the furnishers reply through an automated system rather than on actual documentation or original account records. 

Because the furnisher did not provide documentation to me directly and because the bureau did not offer proof of validation, the reinvestigation did not resolve my concern. The result left me without clarity about how the account originated and whether it was properly attributed to me. 

SECTION XXXX INSUFFICIENT VERIFICATION A major problem in this situation is the nature of the verification often used by furnishers during disputes. Many furnishers use an automated system rather than reviewing original documents. These systems frequently involve sending or receiving short electronic codes indicating verified, updated, or deleted. But these responses do not necessarily reflect a review of underlying documents. 

A fair and lawful verification should involve : Reviewing the original signed agreement, Confirming the account belongs to the dispute filer, Ensuring proper identification was used, Ensuring the reported balance is accurate, Confirming all information meets the maximum possible accuracy standard. 

In this case, there is no indication that the furnisher reviewed any documents. The reinvestigation appears to have consisted solely of an automated affirmation. The absence of documentation raises questions about compliance with the FCRA and furnisher obligations. 

SECTION XXXX POTENTIAL MIXED FILE OR IDENTITY ERROR Another concern is the possibility of a mixed file, which occurs when credit data belonging to XXXX consumer is mistakenly included on another consumers credit report. This can happen for several reasons : Similar names, Similar addresses, Similar numbers, Data-entry mistakes, XXXX system errors, Mislinked internal records. 

If XXXX reported data belonging to a different consumer, the error could have propagated into my file. This would explain why I have no memory, record, or documentation of such an account. 

Such issues are not uncommon, and the consequences can be serious, especially when the reported information is derogatory. Mixed file errors often persist until documentation is reviewed and the incorrect association is corrected. This further highlights why documentation is necessary to determine whether the account is legitimately connected to the consumer. 

SECTION XXXX IMPACT OF THE DISPUTED ACCOUNT The inaccurate or unverified account has negatively affected my credit profile. A derogatory account, especially XXXX reported as charged off or in collection status, can significantly lower credit scores and alter lenders perception of an applicants financial reliability. 

The presence of this account has caused : Difficulty obtaining loans or credit, Higher interest rates, Denied applications, Emotional stress, Time lost resolving the issue, Worry about potential identity errors or misuse, And confusion regarding how this account ended up on my file. 

I am not disputing the account merely to remove negative information. I am disputing it because I genuinely do not recognize it, and no evidence has been provided to demonstrate its validity. 

SECTION XXXX LACK OF PROPER FURNISHER SUPPORTING DOCUMENTS At no point during this process has the furnisher provided : A signed contract, A credit application, Identification records, A purchase order, A payment schedule, Invoices or receipts, A loan document, Or any evidence that the account was legitimately opened in my name. 

A company reporting a debt to a credit bureau should possess and be able to provide the documents proving the legitimacy of that debt. In this situation, the lack of documentation suggests : A procedural issue, A record-keeping issue, A data-transmission error, Or a reporting error by the furnisher. 

Without proper documentation, the furnisher can not reasonably or legally assert that the information is accurate. 

SECTION XXXX WHY I FILED THIS CFPB COMPLAINT I am filing this complaint because : I do not recognize the TAB/SUNBIT account, I have never been presented with documentation, My dispute was returned as verified without evidence, The furnisher has not provided proof that I opened or authorized the account, The continued reporting of this information appears inaccurate or unsubstantiated, And the presence of the account is causing ongoing harm. 

The CFPBs intervention is necessary because the dispute process has not produced clarity, verification, or the documentation required under law. 

SECTION XXXX SUMMARY OF EVENTS I reviewed my credit report and discovered the TAB/SUNBIT account. 

I confirmed that I have no memory, record, or documentation of ever opening such an account. 

I filed a dispute with the credit reporting agency.

The dispute was forwarded to the furnisher. 

The response said the account was verified. 

No signed contract or documentation was provided. 

The account remains on my report despite no proof of its validity. 

The reporting is harming my credit and financial opportunities. 

I am seeking the CFPBs assistance to ensure that the furnisher provides documentation or removes the account. 

SECTION XXXX WHY THE INFORMATION APPEARS INACCURATE The information appears inaccurate because : I have no relationship with the furnished company, No contract exists in my possession, No communication occurred prior to credit reporting, No credit application was submitted, No billing or statements were ever received, And no documentation has been provided through the dispute process. 

Inaccurate information should not remain on a consumers report, and unverifiable information should be removed, consistent with FCRA XXXX. 

SECTION XXXX WHAT I AM ASKING FOR THROUGH THIS COMPLAINT I am not asking for special treatment. I am asking for : Accuracy, Verification, Documentation, Transparency, And compliance with federal law. 

I am requesting that the furnisher provide the actual documents proving the existence and validity of the account. If they can not, I request that the CFPB require deletion of the account. 

FINAL SUMMARY In summary, an account under the name XXXX Account # XXXXXXXX XXXX XXXX is being reported on my credit file. I have no knowledge of this account, have never received documentation, and the furnisher has not provided proof that I opened or authorized it. The dispute process has not yielded any original documents verifying the accounts legitimacy. The continued reporting appears inaccurate, unverifiable, or the result of an error. I am requesting the CFPBs assistance to ensure full compliance with the FCRA and to ensure that only accurate, verified information remains on my credit report.

Company response to consumer: Closed with explanation