Consumer complaint received 2025-11-03 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: IL

Complaint narrative:
I am writing to you because I had tried multiple times to correct this with this company. Most recently in XXXX of 2025, I mailed the the letter below. They continue to harass me and continue to report this alleged debt which is not mine. Please see the letter sent to them below : Sunrise Credit Services , Inc . 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Phone : ( XXXX ) XXXX Per FDCPA XXXX ( c ) and FCRA 15 U.S.C. 1692c ( c ), I demand that effective immediately, cease all communication with me, including phone calls, texts, emails, workplace contacts, and thirdparty contacts. You may contact me only to ( a ) confirm you are terminating all collection efforts, or ( b ) notify me of a specific remedy you actually intend to pursue. All permissible communications must be in writing to the address above.

I dispute this alleged debt in its entirety and demand validation under 15 U.S.C. 1692g ( a ) ( b ) ; Reg F, 12 C.F.R. 1006.34. Provide competent documentary evidence, including : The name and address of the original creditor, the full account number, and an itemized accounting ( principal, interest, fees, and adjustments ) that explains the {$3100.00} figure and all changes through 2025.

Chain of title/assignment proving your present authority to collect ( bill ( s ) of sale/assignment with my specific account referenced, not generic redacted schedules ). 

All contracts or service agreements bearing my wet signature that created any obligation. 

Complete billing and payment history, including the Date of First Delinquency ( DOFD ) used to calculate the reporting period, and any notices of default/acceleration. 

Proof of permissible purpose to obtain/furnish my consumer report ( FCRA 604, 15 U.S.C. 1681b ), including the legal basis by which you claim authority to report and continue reporting.

Until you provide full validation, cease all collection activity, delete this from my credit reports, and suspend furnishing to any consumer reporting agency.

You are a furnisher under the FCRA and Regulation V ( 12 C.F.R. Part 1022 ). After a CRA receives my dispute, 15 U.S.C. 1681s2 ( b ) requires a reasonable investigation and correction or deletion of any information that can not be verified. If you can not produce competent evidence supporting each element reported ( amount, status dates, DOFD, ownership/authority ), you must promptly request deletion of the Sunrise tradeline under 611 ( a ) ( 5 ) ( A ). Your reporting must also meet 1681e ( b ) s maximum possible accuracy standard and may not be misleading ( XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. ). CRAs may not simply parrot your response ( XXXX XXXX XXXX XXXX ), and a furnishers failure to reasonably investigate triggers liability ( XXXX v. XXXX XXXX XXXXXXXX ). 

Required Response ( within 30 days ) : Written confirmation that you have ceased all communications ( FDCPA 1692c ).

Full validation as itemized above ( FDCPA 1692g/Reg F ).

If you can not validate, written confirmation that you have requested deletion of the Sunrise tradeline from XXXX  and any other CRA ( FCRA 611 ( a ) ( 5 ) ( A ) ; 623 ( b ) ).

The method of verification you used, including the business name, address, and phone number for each entity contacted and copies of the documents relied upon ( FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) ; 609 ( a ) ( 2 ) ).

Failure to comply will result in additional complaints to the CFPB, FTC, and the Illinois Attorney General and pursuit of remedies under FDCPA 1692k and FCRA 616617 ( 15 U.S.C. 1681no ). 

Sincerely, XXXX 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