Consumer complaint received 2025-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Date : XX/XX/year> Sunrise Credit Services , Inc . 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NY XXXX Phone : ( XXXX ) XXXX RE : CEASE AND DESIST Account XXXX XXXX Demand for Forward Flow Agreement, Chain of Assignment, and Immediate Deletion Under Federal Law To Whom It May Concern : This letter serves as a formal Cease and Desist and Debt Validation Demand under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., regarding the alleged account referenced above, which is unlawfully reporting and collecting under my name without my knowledge, consent, or contractual agreement.

1. NO CONTRACTUAL RELATIONSHIP EXISTS I have never signed a contract with Sunrise Credit Services, nor did I authorize your company to collect, report, or access my personal information. Any collection or credit reporting activities violate my consumer rights and federal law.

2. DEMAND FOR DOCUMENTATION Pursuant to 15 U.S.C. 1692g ( b ) and 1681s-2, I formally demand the following : Full validation of the debt including : Original creditors name and account number Complete account history, including a breakdown of charges Signed contract or agreement bearing my signature Forward Flow Agreement between the original creditor and your agency Chain of Assignment showing legal transfer and authority to collect and report Proof that you had permissible purpose under 15 U.S.C. 1681b to obtain and use my personal credit information You are hereby notified that you must cease and desist all collection activityincluding phone calls, letters, emails, and credit reportinguntil the debt has been properly validated and legal authorization is provided.

3. UNLAWFUL CREDIT REPORTING If this account is being reported to any credit reporting agency, you are in violation of FCRA 1681s-2 ( a ) ( 1 ) ( A ) for reporting information that is not complete or accurate and has not been verified. Continued reporting without proper validation constitutes willful noncompliance and exposes your agency to civil liability under 15 U.S.C. 1681n and 1681o.

4. ACTION REQUIRED WITHIN 15 DAYS If you fail to provide the requested documents within 15 days from the date of this letter, I will proceed with filing : A complaint with the Consumer Financial Protection Bureau ( CFPB ) A complaint with the Federal Trade Commission ( FTC ) A civil lawsuit for violations of the FDCPA and FCRA, seeking statutory and actual damages, attorney fees, and punitive damages 5. DEMAND FOR REMOVAL If you can not validate this debt, or can not produce legal authorization and documentation requested above, I demand the immediate and permanent deletion of this account from all credit bureaus ( XXXX XXXX XXXX XXXX XXXX pursuant to 15 U.S.C. 1681i ( a ) ( 5 ) ( A ).

This is your final warning to comply with federal law. Failure to respond appropriately will result in immediate legal action. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX 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