Consumer complaint received 2025-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SUNRISE CREDIT SERVICES, INC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Email : XXXX Phone : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute & Demand for Immediate Deletion of Inaccurate Accounts, Names, and Addresses To Whom It May Concern, I am submitting this formal dispute regarding multiple accounts reported on my XXXX credit report that are inaccurate, unverifiable, and in violation of federal law. Additionally, my credit report contains incorrect names and addresses. My only legal name is XXXX XXXX XXXX and my sole address is XXXX XXXX XXXX, XXXX, FL XXXX. Any other names or addresses are inaccurate, unauthorized, and must be removed immediately. 

These inaccurate accounts, names, and addresses have caused severe financial harm, credit denials, increased interest rates, and emotional distress. 

Part I Legal Obligations & Violations Failure to Ensure Maximum Accuracy ( FCRA 607 ( b ), 1681e ( b ) ) XXXX must follow reasonable procedures to ensure maximum possible accuracy of all information. 

Reporting conflicting balances, pay statuses, sale/charge-off information, and incorrect personal identifiers violates these obligations. 

Failure to Conduct Reasonable Reinvestigation ( FCRA 611, 15 U.S.C. 1681i ) XXXX must conduct an independent, thorough investigation of all disputed items.

Simply relaying creditor or public record data is insufficient.

Improper Reporting of Names and Addresses ( FCRA 609 ( a ) ( 1 ), 611 ) Listing aliases, incorrect names, or addresses not associated with me is materially inaccurate.

Such errors violate FCRAs requirements to maintain accurate and verifiable consumer data.

Emotional and Financial Harm ( FCRA 616617 ) Inaccurate accounts, names, and addresses have caused credit denials, higher interest rates, and emotional distress.

Unlawful Debt Collection Practices ( FDCPA 807, 808, 809 ( b ) ) Some accounts were sold to collection agencies without consumer validation or consent.

Collection agencies have no legal right to report or attempt collection on unverifiable debt.

Part II Accounts in Dispute & Factual Discrepancies XXXX. XXXXXXXX XXXX XXXX XXXXXXXX ( Acct. # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Status differs from XXXX  ( {$0.00} charge-off sold to CrownAssets vs. {$11000.00} written off ). 

Violations : FCRA 607 ( b ), 611 ; FDCPA 807, 808, 809 ( b ) XXXX. XXXX XXXX XXXX ( Acct. # XXXX * *, {$30000.00} ) * * Balance discrepancies : XXXX reports {$0.00} received ; XXXX reports {$30000.00} past due, {$22000.00} written off. 

Violations : FCRA 605B, 607 ( b ), 611, 616617 ; FDCPA 807 3. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, {$2400.00} ) * * High balance discrepancies and collection dates differ from XXXX. 

Violations : FCRA 605B, 607 ( b ), 611 ; FDCPA 807, 808, 809 ( b ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$640.00} ) * * Conflicting balance and date information compared to XXXX 

Violations : FCRA 611, 623 ( a ) ( 1 ) ( A ) ; FDCPA 807, 808, 809 ( b ) 5. XXXX XXXX XXXX XXXX XXXX XXXXXXXX * *, {$390.00} ) * * Status and reporting differ from XXXX 

Violations : FCRA 611 ; FDCPA 807, 808, 809 ( b ) 6. SUNRISE CREDIT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, {$380.00} ) * * XXXX reports high balance {$190.00} ; XXXX reports {$380.00} past due. 

Violations : FCRA 607 ( b ), 611 ; FDCPA 807, 808, 809 ( b ) Incorrect Names/Addresses : Only XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX correct. 

Any other names or addresses violate FCRA 607 ( b ), 609 ( a ) ( 1 ), 611 and must be deleted immediately.

Part III Demand for Relief I demand XXXX : Delete all six accounts and all inaccurate names and addresses within 15 days.

Provide written confirmation of deletion and corrections.

Failure to comply will result in filing a CFPB complaint. 

This is your final notice. Full compliance is expected within 15 days. 

Sincerely, 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