Consumer complaint received 2026-01-20 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: NJ

Complaint narrative:
I am filing this complaint against Sunrise Credit Services , Inc. for repeated harassment, failure to identify the purpose of their calls, failure to disclose the alleged creditor, and unlawful use of my personal information. 

Sunrise Credit Services has been calling me multiple times per day from different phone numbers, yet has never provided any written notice, never identified who they claim to be collecting for, and never validated that any debt exists or that I owe it. 

At this time, I do not recognize any debt associated with Sunrise Credit Services, and their conduct constitutes abusive, deceptive, and illegal debt collection activity under federal and New Jersey law. 



STATEMENT OF FACTS 1. UNKNOWN DEBT NO DISCLOSURE Sunrise Credit Services has contacted me repeatedly.

They have not identified the original creditor, account number, or nature of the alleged debt.

I have never received a written validation notice as required by law.

2. HARASSMENT BY EXCESSIVE CALLING Sunrise Credit Services calls me multiple times per day. 
Calls are made from different phone numbers, a known tactic to evade call blocking and increase pressure. 
This conduct is harassing, abusive, and intentional. 
XXXX. FAILURE TO PROVIDE REQUIRED NOTICE I have not received any written communication within five ( 5 ) days of initial contact.

This is a direct violation of federal disclosure requirements.

4. IMPROPER ACQUISITION AND USE OF MY PERSONAL INFORMATION Sunrise Credit Services has never explained : How they obtained my phone number or personal information What lawful purpose they claim for contacting me Unauthorized use of my information raises serious concerns regarding data integrity and compliance. 
5. NO CONSENT TO CONTACT I did not consent to be contacted.

I have no business relationship with Sunrise Credit Services.

Continued contact under these circumstances is unlawful.

FEDERAL LAW VIOLATIONS Fair Debt Collection Practices Act ( FDCPA ) Sunrise Credit Services is in violation of, but not limited to : 15 U.S.C. 1692d Harassment or abuse ( Repeated calls intended to annoy, abuse, or harass ) 15 U.S.C. 1692d ( 5 ) Causing a phone to ring repeatedly ( Multiple daily calls from different numbers ) 15 U.S.C. 1692e False, deceptive, or misleading representations ( Failure to meaningfully disclose the purpose of calls ) 15 U.S.C. 1692g ( a ) Failure to provide written validation notice ( No creditor identified, no debt disclosed, no validation sent ) 15 U.S.C. 1692f Unfair or unconscionable practices Each violation exposes Sunrise Credit Services to statutory damages up to {$1000.00}, plus actual damages and attorneys fees.

NEW JERSEY LAW VIOLATIONS New Jersey Consumer Fraud Act N.J.S.A. 56:8-2 Sunrise Credit Services has engaged in : Deceptive and unconscionable commercial practices Harassing and misleading conduct Use of personal information without proper disclosure or authority Violations allow for : Treble damages Attorneys fees Costs of suit New Jersey Fair Debt Collection Regulations ( N.J.A.C. 13:45D-1.1 et seq. ) Violations include : Failure to identify the creditor Harassing telephone conduct Failure to provide written notice Continuing collection without lawful disclosure FORMAL CEASE AND DESIST NOTICE Pursuant to 15 U.S.C. 1692c ( c ) and N.J.A.C. 13:45D, Sunrise Credit Services is hereby directed to : IMMEDIATELY CEASE ALL COMMUNICATION WITH ME This includes : Phone calls Voicemails Text messages Use of multiple phone numbers Third-party contact Any further contact after receipt of this complaint will be treated as knowing and willful violations.

DAMAGES & LIABILITY NOTICE Sunrise Credit Services conduct has caused : Emotional distress Disruption of my daily life Loss of privacy Time spent addressing unlawful conduct They are now on notice of potential liability for : FDCPA statutory damages Actual damages NJ Consumer Fraud Act treble damages Attorneys fees and costs DEMAND FOR RELIEF ( NON-NEGOTIABLE ) I demand that Sunrise Credit Services be required to : 1. Immediately cease all telephone contact 2. Provide written identification of : The alleged creditor The nature of the alleged debt ( if any ) Proof of lawful authority to collect 3. Delete my phone number and personal data from their systems 4. Provide written confirmation that all contact has stopped 5. Be investigated for systemic harassment and compliance failures CLOSING STATEMENT Sunrise Credit Services conduct reflects a pattern of abusive and unlawful debt collection behavior. Calling a consumer repeatedly without identifying a debt or creditor is clearly illegal. 

I respectfully request immediate CFPB intervention and enforcement action.

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