Consumer complaint received 2025-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SUNRISE CREDIT SERVICES, INC
State: GA

Complaint narrative:
: Demand for Chain of Assignment and Account-Level Documentation Under FCRA Account Number : XXXXXXXX XXXX XXXX Last Reported : XX/XX/XXXX Reported Balance : {$300.00} XXXX XXXX  Dear Sir or Madam, I am writing to formally request the chain of assignment and all account-level documentation regarding the above-referenced account, which SUNRISECRED is currently reporting on my credit file with a balance of {$300.00}, last reported on XX/XX/XXXX. 

This request is made under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681g ( a ) ( 1 ) and 1681i ( a ), which grant consumers the right to obtain all information in their credit file, including the sources of reported data. Additionally, under 15 U.S.C. 1681s-2 ( b ), furnishers are required to reasonably investigate disputed information and correct or delete any information that can not be verified. 

To date, I have received no documentation establishing that SUNRISECRED has the legal authority to report or collect on this alleged debt. As such, I request that you provide the following documentation within 30 days : A complete chain of assignment, including all bills of sale, transfer agreements, or assignments from the original creditor to SUNRISECRED ; A copy of the original account agreement or contract signed by me ; A complete payment history, including all charges, credits, and interest applied to the account ; Copies of any notices of assignment or transfer required by law to have been sent to me. 

Illegal Reporting Without a Valid Contract or Origination Authority Under both the FCRA and the Fair Debt Collection Practices Act ( FDCPA ), it is illegal to report a debt to credit reporting agencies when : The reporting entity is not the original creditor, The entity has no valid contract with the consumer, and There is no documented legal assignment or ownership of the account. 

According to 15 U.S.C. 1692e, it is a violation of federal law to use false, deceptive, or misleading means to collect a debtincluding implying authority to report or collect a debt when such authority does not exist. 

The court in FTC v. XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) confirmed that third-party debt collectors must possess legal documentation and proof of assignment before attempting to report or collect a debt. Otherwise, such reporting is unlawful and must be removed. 

Even if the reported balance is accurate, the lack of verifiable legal ownership or signed agreement invalidates the reporting of the tradeline under federal law. 

Preservation of Evidence SUNRISECRED is hereby instructed to preserve all records, internal correspondence, data logs, and communications relating to this account. Destruction or modification of such evidence may be considered spoliation and subject to legal sanctions.

Failure to comply with this request or the continued reporting of unverifiable, inaccurate, or unauthorized information may result in legal action under the FCRA, FDCPA, and state consumer laws. Penalties may include actual damages, statutory damages, punitive damages, and attorneys fees, pursuant to 15 U.S.C. 1681n, 1681o, and 1692k. 

Please direct all responses and supporting documents to the mailing address above. 

Govern yourselves accordingly.

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