Consumer complaint received 2024-06-25 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: MD

Complaint narrative:
Subject : Formal Complaint Against Sunrise Credit Services for Failure to Provide Documentation and Fraudulent Account Reporting. 

I am writing to file a formal complaint against Sunrise Credit Services regarding their handling of an account that they have reported as mine. Despite my efforts to seek validation of this account, Sunrise Credit Services has failed to provide me with the necessary documentation. I want to reiterate that this account is not mine and is a result of fraudulent activity. 

On XX/XX/year>, I emailed Sunrise Credit Services requesting documentation to verify the legitimacy of the account in question. However, to date, I have not received any response from Sunrise Credit Services, nor have they provided the requested documentation to validate this debt as mine. 

In addition to their lack of response to my email, Sunrise Credit Services has also failed to comply with several provisions of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). These violations include : XXXX. Failure to provide accurate and complete information about the account. 

XXXX. Failure to conduct a reasonable investigation after receiving a dispute from a consumer. 

XXXX. Reporting inaccurate information to credit bureaus without verifying the accuracy of the information. 

XXXX. Failure to provide a method for consumers to dispute inaccurate information. 

I am deeply concerned by Sunrise Credit Services ' lack of transparency and their disregard for consumer rights. I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action against Sunrise Credit Services for their violations of consumer protection laws. 

As a consumer, I have the right to request and receive documentation that substantiates the existence and ownership of any debt being pursued by a collection agency. It is imperative that Sunrise Credit Service complies with this request in a timely manner to ensure fair and lawful treatment in this matter. 

To clarify, all of the following documentation is required to substantiate the legitimacy of the collection account in question : XXXX. A complete account statement detailing the original creditor, the amount owed, and the date of delinquency. 

XXXX. Copies of any contracts or agreements related to the debt with my signature. 

XXXX. Proof of ownership of the debt by Sunrise Credit Service. 

XXXX. Verification that Sunrise Credit Service is licensed to collect debts in my state. 

XXXX. Any other relevant documentation supporting the collection account 's validity. 

If Sunrise Credit Services is unable to provide the necessary documentation to validate this debt as mine, I demand that they immediately delete this account from all credit reporting agencies to which it has been reported. Failure to do so will result in further action being taken to protect my rights as a consumer.

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