Consumer complaint received 2026-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SUNRISE CREDIT SERVICES, INC
State: SC

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint regarding an improperly reported collection account furnished by Sunrise Credit Services, which is reporting a debt without providing legally sufficient proof that it has the authority to collect or report this account. This complaint is submitted directly by me, the consumer, and not by any XXXX XXXX or credit repair organization. Account Information Collection Agency : Sunrise Credit Services Account Number : XXXX Original Creditor : XXXX XXXX XXXX ( XXXX ) Date Opened : XX/XX/XXXX Balance Allegedly Owed : {$920.00} Original Balance : {$910.00} Status : Collection account Status Updated : XX/XX/XXXX Last Balance Update : XX/XX/XXXX Failure to Provide Proof of Legal Assignment Sunrise Credit Services is reporting this account as a collection obligation without producing any valid proof of legal assignment or ownership. Under XXXX law, a XXXX debt collector must be able to demonstrate a lawful chain of assignment from the original creditor to itself. This requires actual assignment documentation, not summaries, screenshots, or billing records. Legally sufficient proof includes, at minimum : A bill of sale, assignment agreement, or purchase contract Documentation that specifically identifies this account as part of the transfer Proof that Sunrise Credit Services has authority to collect the debt and furnish data to consumer reporting agencies A copy of a billing statement, ledger, or account printout from the original creditor is NOT legally sufficient. Anyone can create or reproduce a billing statement. Such documents do not establish ownership, assignment, or collection authority. Fair Credit Reporting Act ( FCRA ) Violations By continuing to report this collection without proof of legal assignment, Sunrise Credit Services is violating the Fair Credit Reporting Act, including but not limited to : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Furnishing information that is inaccurate, incomplete, or materially misleading. 15 U.S.C. 1681s-2 ( b ) Failure to conduct a reasonable investigation after dispute, including verification of legal authority. 15 U.S.C. 1681e ( b ) Failure to maintain reasonable procedures to ensure maximum possible accuracy. Without proof of lawful assignment, Sunrise Credit Services has no permissible purpose to report this account. Demand for Resolution I hereby demand that Sunrise Credit Services : Immediately delete this tradeline from all consumer reporting agencies, including XXXX, XXXX, and XXXX. Absent production of valid assignment documentation, continued reporting constitutes willful noncompliance with XXXX law. This complaint is being submitted to the Consumer Financial Protection Bureau ( CFPB ) for regulatory review and enforcement. Please provide a written response within the CFPBs required response timeframe.

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