Consumer complaint received 2026-06-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUNRISE CREDIT SERVICES, INC
State: TX

Complaint narrative:
I am writing because I checked my XXXX credit report and found a collection account on there that I believe is wrong. I want to dispute this account and ask that you look into it. The collection is from Sunrise Credit Service , Inc., and the original creditor is listed as XXXX XXXX. The balance they are reporting is {$520.00}. Here is the information on the account I am disputing : Collection Agency : Sunrise Credit Service , Inc., XXXX XXXX XXXX XXXX, XXXX, NY XXXX Original Creditor : XXXX XXXX ( XXXX ) Account Number : XXXX Date this collection was opened : XX/XX/XXXX Balance now being reported : {$520.00} ( as of XX/XX/XXXX ) I have several problems with how this account is being reported and I want to explain each one. Problem 1 The balance went up by {$180.00} and nobody told me why When this collection first showed up on my report, the balance was {$340.00}. Now it says {$520.00}. That is an increase of {$180.00} about 52 % more and I have never received any letter, notice, or explanation telling me where that extra money came from. I do not know if it is fees, interest, or something else. Under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. Section 1692f ( 1 ), a debt collector is not allowed to collect any amount on top of the original debt unless it is authorized by the original agreement or allowed by law. I never got anything from Sunrise breaking this down, so I do not believe this higher balance is accurate or legal. Problem 2 I never received a debt validation notice The law ( FDCPA, 15 U.S.C. Section 1692g ) says that when a debt collector first contacts you, they have to send you a written notice within 5 days that tells you the amount of the debt, who the original creditor is, and that you have 30 days to dispute it. I never received anything like that from Sunrise Credit Service at any point. If they can not show they sent me this notice, that is a violation of the law, and I do not believe they have the right to be reporting this on my credit. Problem 3 I do not know if Sunrise even legally owns this debt For a collection company to put something on my credit report, they need to have actually been assigned the debt from the original creditor. I never got any notice that XXXX XXXX sold or transferred my account to Sunrise Credit Service. I have no way to confirm this debt was properly transferred, and Sunrise has never provided me with any documentation proving they have the legal right to collect it. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. Section 1681s-2 ( a ) ( 1 ) ( A ), a company can not report information to a credit bureau if it has reason to believe that information is inaccurate. Without proof of a valid assignment, I do not think this account should be on my report. Problem 4 The payment history on my report is incomplete Looking at my XXXX report, this collection only shows payment activity for XXXX and XX/XX/XXXX, with everything else listed as 'Data Unavailable. ' That is not a complete or accurate history, and the FCRA ( Section 1681s-2 ( b ) ) requires that information reported to credit bureaus be accurate and complete. Incomplete records like this should be corrected or the account should be removed. What I am asking for : I am asking the CFPB to look into this and I am asking XXXX to investigate and remove this collection account from my credit report. Specifically, I want : This collection account removed from my XXXX credit report because it has too many problems to be fixed with just a correction ; Sunrise Credit Service to provide full validation of this debt, including : the original agreement I had with XXXX XXXX, a full breakdown of how the {$520.00} balance was calculated, proof that they were legally assigned this debt from Charter, and proof that they sent me the required written notice under FDCPA Section 1692g ; XXXX to investigate this account under FCRA Section 1681i, which gives them 30 days to look into disputes ; Written confirmation of the results of the investigation within 30 days as required by law ; Sunrise to stop any collection activity on this account while the dispute is being reviewed, as required by FDCPA Section 1692g ( b ). This account being on my credit report is hurting my credit score and making it harder for me to get loans, housing, and other things I need. I know that under the FCRA and FDCPA, I have the right to dispute inaccurate information and to have it investigated. If this is not corrected, I am prepared to look into my options for taking further action, which could include filing a lawsuit for damages under FCRA Section 1681n or FDCPA Section 1692k.

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