Consumer complaint received 2024-12-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: OR

Complaint narrative:
I am filing this complaint against Sunrise Credit Services XXXX for attempting to collect a fraudulent debt of {$3100.00} on behalf of XXXX XXXX XXXX. This is the second time XXXX XXXX XXXX has attempted to collect this same debt. The first attempt was through XXXX. Both companies have reported this fraudulent account, negatively impacting my credit despite evidence I provided proving the debt is not mine. 

Details of the Issue : 1. First Collection Attempt by XXXX  Earlier this year, XXXX attempted to collect {$3100.00} on behalf of XXXX XXXX XXXX for a phone bill that is not mine. 
On XX/XX/XXXX, I disputed the debt with XXXX in writing, including a copy of a police report documenting identity theft. 
I also worked with all three major credit bureaus ( XXXX, XXXX, XXXX ) to establish that this account was fraudulent and should not appear on my credit report. 
2. Second Collection Attempt by Sunrise Credit Services XXXX months ago, Sunrise Credit Services began attempting to collect the same {$3100.00} for the same fraudulent account. 
I contacted Sunrise Credit Services and informed them that the account is fraudulent, just as I had done with XXXX. 
I also sent Sunrise Credit Services a written dispute, again including the police report and other supporting evidence proving that I am a victim of identity theft. 

Ongoing Negative Impact : Despite my efforts, both XXXX  and Sunrise Credit Services have continued to pursue collection of this fraudulent debt. The repeated collection attempts have caused undue stress and have negatively affected my credit score, impacting my ability to access credit.

Supporting Evidence : Copy of the police report documenting identity theft. 
A copy of my written dispute letter sent to XXXX ( dated XX/XX/XXXX ). 
A copy of my written dispute letter sent to Sunrise Credit Services. 
Communications with all three credit bureaus confirming the account was fraudulent. 

Requested Resolution : I request the CFPB to investigate this matter and ensure the following : 1. Sunrise Credit Services immediately ceases all collection efforts for this fraudulent debt.

2. Any negative credit reporting related to this debt is removed from my credit file by XXXX XXXX XXXX, XXXX, and Sunrise Credit Services. 
3. Written confirmation from Sunrise Credit Services, XXXX, and XXXX XXXX XXXX that they will no longer pursue collection of this fraudulent account. 

Conclusion : I have provided ample evidence to prove this account is fraudulent, including a police report and dispute letters to both collectors and the credit bureaus. However, XXXX XXXX XXXX repeated attempts to collect this debt through different agencies violate my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I kindly request your assistance in resolving this matter promptly. 

This format clearly outlines the issue and your requests, ensuring the CFPB has all the necessary details to investigate. Be sure to attach all relevant documents when submitting your complaint.

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