Consumer complaint received 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: SUNRISE CREDIT SERVICES, INC
State: IN

Complaint narrative:
I am writing to formally file a complaint regarding an XXXX XXXX XXXX collection account that was previously removed from my credit report but has recently reappeared without proper notification, documentation, or valid justification. I am requesting the Consumer Financial Protection Bureaus assistance in investigating this matter and ensuring the account is permanently removed if it was re-added in violation of federal law. 

The details of the collection account are as follows : Creditor Name : XXXX XXXX XXXX I previously disputed this collection account on the grounds that it was inaccurate and could not be properly verified. As a result of my dispute, the account was removed from my credit report. However, I was recently alarmed to discover that the same collection account has been reinserted without any prior notice or adequate verification, in clear violation of the Fair Credit Reporting Act ( FCRA ). 

Violations of the Fair Credit Reporting Act ( FCRA ) : 1. Reinsertion Without Notification : Under 15 U.S. Code 1681i ( a ) ( 5 ) ( B ) ( ii ), if a previously deleted item is reinserted into a consumers credit report, the consumer reporting agency is required to notify the consumer in writing within 5 business days of the reinsertion. I did not receive any such notification, making this reinsertion unlawful. 
2. Failure to Verify the Accuracy of Information : Per 15 U.S. Code 1681e ( b ), consumer reporting agencies must follow reasonable procedures to ensure the accuracy of the information they include in credit reports. The reappearance of this unverified XXXXXXXX XXXX XXXX collection account suggests a failure to comply with these procedures. 
3. Lack of Certification from Furnisher of Information : According to 15 U.S. Code 1681i ( a ) ( 5 ) ( B ) ( i ), a previously deleted account can not be reinserted unless the furnisher of the information ( in this case, XXXX XXXX XXXX or the collection agency ) provides certification that the information is complete and accurate. I have received no evidence of such certification. 

The unauthorized reinsertion of this XXXX XXXX XXXX collection account has had a direct and damaging effect on my credit score, causing significant financial hardship. As a result of this inaccurate information, I have experienced such as being denied a loan and losing access to credit opportunities along with higher interest rates. This has placed an unnecessary strain on my financial stability, and I am deeply concerned about the lasting impact if this issue is not swiftly resolved. 

I am formally requesting the following actions from the Consumer Financial Protection Bureau : 1. Investigation : Conduct a full investigation into the unauthorized reinsertion of the XXXX XXXX XXXX collection account on my credit report. 
2. Validation : Require XXXX XXXX XXXX and/or the collection agency to provide proper documentation and certification verifying the validity of this debt and the legal basis for its reappearance. 
XXXX. Removal : If the reinsertion violated any provision of the FCRA including lack of notification or failure to verify the accuracy of the information I demand the immediate removal of the XXXX XXXX XXXX collection account from my credit report. 
4. Compliance Assurance : Ensure that the credit bureaus involved ( XXXX, XXXX, and/or XXXX ) have adhered to all relevant FCRA regulations regarding the reinsertion of previously deleted accounts. 



I take my credit standing very seriously, and this unjustified reinsertion has caused both financial and emotional distress. I trust that the CFPB will take swift action to address these violations of federal law and hold all responsible parties accountable. 

Please keep me informed of the progress of this investigation. 

Thank you for your time and attention to this urgent matter.

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