Consumer complaint received 2026-03-07 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: AL

Complaint narrative:
Sunrise Credit Services, I recently became aware that your company is attempting to collect an account connected to my name. I am disputing this account and requesting clarification regarding the basis of your claim. I REFUSE TO PAY THIS DEBT. At this point I have not been provided with documentation that shows I legally owe Sunrise Credit Services any money. If your company believes this obligation is valid, you should have the records necessary to support that position. Please explain how Sunrise Credit Services became involved with this account. If the account originated with another creditor and was later sold or assigned, I would like documentation showing the path the account took before reaching your company. That includes records identifying each prior owner of the account and the transfer documents demonstrating how the account moved from the original creditor through each subsequent entity. I am also requesting the original records that created the alleged debt. Those records should include the agreement that opened the account, the terms and conditions that governed the account at that time, and any updates issued later. In addition, provide the statements or transaction history from the original creditor showing how the balance developed. Internal summaries generated by a collection agency do not establish the existence of a valid account. If the amount currently reported by Sunrise Credit Services differs from the balance at charge-off, please explain how the additional amount was calculated and identify the contractual provision that permits those increases. Please also identify the individual at Sunrise Credit Services who has personal knowledge of the records your company is relying upon. That individual should be able to establish a prima facie case consistent with XXXX XXXX XXXX v XXXX. Fin. XXXX, XXXX NY XXXX XXXX, XXXX [ XXXX ] and must also be familiar with the original creditors record-keeping practices in accordance with XXXX XXXX XXXX XXXX. No. XXXX v Vill. of XXXX, XXXX XXXX XXXX, XXXX [ XXXX XXXX XXXX ]. I would also like the date of the last payment that was made to the original creditor. If this account is beyond the applicable statute of limitations, the law prohibits misrepresenting its enforceability under XXXX U.S.C. XXXX ( XXXX ). The use of any false, deceptive, or misleading representation in connection with a debt is also prohibited under XXXX U.S.C. XXXX ( XXXX ). This communication should be treated as a direct dispute under XXXX U.S.C. XXXX ( a ) ( XXXX ). A reasonable investigation must be conducted within XXXX days. If Sunrise Credit Services believes the dispute is frivolous or irrelevant, written notice must be provided within XXXX days. If the documentation requested above can not be produced and the account continues to be reported or collected, I am prepared to enforce my rights under XXXX U.S.C. XXXX ( a ) ( XXXX ), including violations of the FDCPA ( XXXX U.S.C. XXXX, XXXX, XXXX ) and the FCRA ( XXXX U.S.C. XXXX ). I am aware that statutory damages of up to {$1000.00} per violation may apply in addition to any actual damages incurred. You may either validate the account with the proper documentation or remove it. This statement is true and lawful.

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