Consumer complaint received 2025-03-10 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: MD

Complaint narrative:
XX/XX/XXXX SUNRISE CREDIT SERVICES XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Dispute of Inaccurate Information on Credit Report Dear SUNRISE CREDIT SERVICES, I am writing to formally dispute an item on my credit report. I recently reviewed my credit report from your agency, and I have noticed an error that I would like to have corrected. 
The inaccurate item is as follows : * Creditor Name : SUNRISE CREDIT SERVICES * Account Number : SUNRISE CREDIT SERVICES * Error Description : According to my records, this information is incorrect because I WAS NOT INFORMED OF THE PAYMENT OR ASKED PERMISSION FOR IT TO BE COLLECTED AS DEBT. 
Under the Fair Credit Reporting Act ( FCRA ), I request that you investigate this matter and correct or remove the inaccurate information from my credit report. Please provide me with a written response detailing the results of your investigation. 
If you require any additional information to process this dispute, please contact me at the phone number or email provided above. I appreciate your prompt attention to this matter. 
This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
By obtaining my CREDIT BUREAU consumer report on DATE without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( " FCRA '' ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX. 
XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) I have not initiated any transaction with COMPANY NAME. Furthermore, I do not have an " account '' as defined under 15 U.S.C. 1693a ( 2 ) with COMPANY NAME for review or collection.

Pursuant to 15 U.S.C. $ 1681n ( a ), " Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. '' By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA {$610.00} ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ). Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. 
Send payment immediately via Certified Funds to : Name, Address, City, State Zip Best regards, Your Name cc : CFPB via fax ( XXXX ) XXXX Sincerely, 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