Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SUNRISE CREDIT SERVICES, INC
State: VA

Complaint narrative:
Subject : Unauthorized Collection on Credit Report by Sunrise Credit Services Complaint Summary : I am filing this complaint to report Sunrise Credit Services for placing an unauthorized collection account on my credit report without my knowledge or any prior contact. I have no knowledge of this debt, nor have I ever been contacted by this company about this matter. Despite this, they have reported a collection item on my credit report, which is negatively impacting my credit score and financial standing. 
Timeline of Events : XXXX. XX/XX/year> : I discovered that Sunrise Credit Services has placed a collection on my credit report. 
2. I have never received any notice, communication, or contact from Sunrise Credit Services regarding this debt.

3. I have no knowledge of this debt or the circumstances leading to the collection item on my credit report.

Consumer Law Violations : 1. Fair Debt Collection Practices Act ( FDCPA ) : o Sunrise Credit Services has violated the FDCPA by failing to send a proper debt validation notice and failing to contact me prior to reporting this debt. 
o A debt collector must provide debt validation upon request, and Sunrise Credit Services has not done so. 
XXXX. Fair Credit Reporting Act ( FCRA ) : o Sunrise Credit Services violated the FCRA by failing to ensure the accuracy of the credit reporting process. Reporting a collection item without validating the debt first is a clear violation. 
XXXX. Failure to Validate Debt : o Sunrise Credit Services has reported this debt to credit agencies without providing the required debt validation notice as required under the FDCPA and FCRA. 
XXXX. Unfair and Deceptive Practices : o XXXX a collection account on a consumers credit report without first contacting the consumer to confirm debt legitimacy or providing a validation violates the FDCPA and XXXX prohibition against unfair and deceptive practices. 
XXXX. Failure to Investigate Credit Dispute : o XXXX the FCRA, credit reporting agencies and XXXX must investigate any dispute brought by the consumer. Sunrise Credit Services has failed to conduct any such investigation or provide evidence validating this debt. 
XXXX Requested : XXXX. XXXX removal of the collection item from my credit report. 
XXXX. XXXX and validation of this debt to confirm its legitimacy. 
XXXX. A formal investigation into how Sunrise Credit Services reported this debt without first contacting me. 
XXXX. An explanation of the origin of this debt and confirmation that no further collection actions will be pursued. 
Supporting Details : XXXX. I have no recollection, knowledge, or awareness of this debt or any financial obligation associated with Sunrise Credit Services. 
XXXX. I have never been contacted by Sunrise Credit Services in any way about this alleged debt. 
XXXX. The collection item has negatively impacted my credit report and XXXX XXXX, despite me having no knowledge of this debt or the circumstances surrounding it. 
Desired Outcome : I trust the CFPB will investigate this issue thoroughly, ensure compliance with federal laws by Sunrise Credit Services, and remove this collection from my credit report if it is found to be erroneous. I seek prompt resolution, fair treatment, and transparency regarding this debt claim. 
Thank you for your attention to this urgent matter. 
Sincerely, XXXX XXXX

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