Consumer complaint received 2025-06-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: WA

Complaint narrative:
To Whom It May Concern : I am submitting this formal complaint to report serious violations of federal consumer protection laws committed by Sunrise Credit Services, a third-party debt collector currently reporting two fraudulent and unverified collection accounts to the credit bureaus. 

The two accounts are listed as follows : Account # XXXXXXXX XXXX XXXX Amount : {$1100.00} XXXX XXXX Account # XXXXXXXX XXXX XXXX Amount : {$170.00} XXXX XXXX Original Creditor : XXXX XXXX  ( also referred to as XXXX XXXX XXXX ) Collection Agency : Sunrise Credit Services, XXXX XXXX XXXX, XXXX, NY XXXX Phone : ( XXXX ) XXXX Last Reported : XX/XX/XXXX and XX/XX/XXXX, respectively Condition : Derogatory, marked Placed for Collection Responsibility : Individual Disputed : No ( incorrectly marked as such ; I have disputed them ) I assert that I do not owe these debts. They were opened fraudulently and without my authorization, and I have formally reported them as such to both the original creditor ( XXXX XXXX ) and to Sunrise Credit Services. Despite multiple attempts to obtain validation, no documentation has ever been provided by Sunrise Credit Services. Instead, they have continued to report these accounts to the credit bureaus in violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Federal Violations 1. Violation of FDCPA 809 ( b ) Failure to Validate Debt Under 15 U.S.C. 1692g ( b ), when a consumer disputes a debt in writing, the debt collector must cease collection and provide validation before continuing. I made such a request and have yet to receive : Any signed agreement or application bearing my name or signature Itemized bills Any credible evidence that I am responsible for the alleged debt Instead, Sunrise Credit Services has continued to report the debts to the credit bureaus without validation which is unlawful. In XXXX XXXX XXXX XXXX & XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ), the court affirmed that collectors must cease collection until proper validation is provided. 

2. Violation of FCRA 1681s-2 ( b ) Failure to Conduct Reasonable Investigation Once I notified the original creditor ( XXXX XXXX ) and Sunrise Credit Services of the fraudulent nature of the accounts, they were obligated under 15 U.S.C. 1681s-2 ( b ) to : Promptly investigate the dispute Review all relevant information provided Correct or delete any inaccurate or unverifiable information No such investigation has been conducted. In XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ), the court held that a reasonable investigation requires more than a cursory review especially when fraud is alleged. 

3. Continuing to Report Inaccurate and Unverified Information Continued reporting of these accounts to the credit bureaus without substantiation or response to a validation request constitutes : Reckless disregard for accuracy ( FCRA 1681e ( b ) ) Willful noncompliance, which may give rise to statutory damages under 15 U.S.C. 1681n Harm and Damages These false accounts have caused tangible and measurable harm to my credit reputation, lowered my credit score, and impacted my ability to obtain fair credit. The accounts are marked as derogatory, and I am being unlawfully penalized for debts I do not owe and never authorized. 

Relief Requested I am respectfully requesting the CFPB to : Initiate a formal investigation into Sunrise Credit Services reporting practices related to these two fraudulent accounts.

Require Sunrise Credit Services to immediately delete both accounts ( # XXXX XXXX XXXX XXXX XXXX and # XXXXXXXX XXXX XXXX XXXX XXXX ) from all credit reporting agencies. 

Ensure Sunrise Credit Services provides no further reporting, collection, or communication related to these unverifiable and unauthorized debts. 

Enforce any applicable fines or penalties for FDCPA and FCRA violations. 

All documentation of my disputes and correspondence is available upon request, including letters to the original creditor and collection agency.

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