Consumer complaint received 2025-08-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SUNRISE CREDIT SERVICES, INC
State: OK

Complaint narrative:
Complaint Regarding Credit Reporting Error by XXXX XXXX XXXX and Sunrise Credit Services , Inc . 

1. The Original Error and Misinformation by XXXX XXXX XXXX : On or around XX/XX/year>, I contacted XXXX XXXX XXXX XXXXor the explicit purpose of paying my account in full to facilitate the unlocking of my phone. An XXXX XXXX XXXX representative informed me that the total and final amount required to settle my account was {$180.00}. Acting in good faith and relying on this specific information, I paid this amount immediately. 

Subsequently, and without any further communication, bill, or notice from XXXX XXXX XXXX, an alleged {$110.00} debt was improperly sent to a collection agency, Sunrise Credit Services , Inc . This resulted in a derogatory collection account appearing on my credit reports, which severely damaged my credit score that I had diligently worked to raise to XXXX. 

2. My Formal Attempts to Resolve the Issue : Upon discovering this significant error, I took all appropriate formal steps to dispute it. I have sent dispute letters via Certified Mail to : Sunrise Credit Services , Inc., demanding a full debt validation under the FDCPA. 

The three major credit bureaus ( XXXX XXXX XXXX ), demanding an investigation and deletion of the inaccurate account under the FCRA. 

XXXX XXXX XXXX XXXX Legal Department, formally disputing the information they furnished under the FCRA. 

3XXXX XXXX XXXX XXXX  Refusal to Provide a Reasonable Resolution Process : My attempts to resolve this were escalated to the XXXX XXXX XXXX Office of the President. 

I clearly informed the representative via email that I was overseas dealing with a serious family medical emergency and that my XXXX phone was not operational for making or receiving standard calls. 

This situation made their rigid demand for an " inbound phone call '' for authentication impossible for me to meet. 

I offered perfectly reasonable alternatives, including a XXXX call or a direct call to my temporary international number. 

Despite my documented situation and my flexibility, the Office of the President flatly refused any method of communication other than the one they knew I could not perform. They used an internal " policy '' to avoid addressing their company 's original mistake. 

This refusal to provide a workable alternative authentication method has effectively blocked me from resolving this issue directly and constitutes a failure by XXXX XXXX XXXX to provide a reasonable dispute process. 

4. Harm Caused and Desired Resolution : XXXX XXXX XXXX 's initial misinformation, compounded by their subsequent refusal to engage in a reasonable dispute process, has caused significant harm to my credit and immense personal stress. 

My desired resolution is the immediate and complete deletion of the Sunrise Credit Services tradeline from my credit files with XXXX XXXX XXXX XXXX Marking the account as " paid '' or " settled '' is not an acceptable outcome, as the reporting was erroneous from the start due to XXXX XXXX XXXX 's error. 

I will attach the full email correspondence with the XXXX XXXX XXXX Office of the President as direct evidence of their refusal to provide a reasonable resolution process, along with proof of my original {$180.00} payment to XXXX 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