Consumer complaint received 2026-06-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC
State: GA

Complaint narrative:
I am filing this complaint because Sunrise Credit Services has continued to report inaccurate information regarding a XXXX collection account despite receiving documentation proving the debt has been resolved. After being notified of the collection, I immediately contacted XXXX and worked directly with the original creditor to resolve the account. I returned the equipment that was in question, and XXXX advised me that my balance would be reduced from over {$300.00} to approximately {$190.00}. I then paid the remaining balance directly to XXXX, leaving a {$0.00} balance owed. I have provided Sunrise Credit Services with proof of payment, receipts confirming the return of the equipment, account transcripts, and other documentation showing that the debt has been satisfied. Despite this evidence, Sunrise Credit Services continues to report the collection account and has verified the debt as accurate after I disputed it. The information they are reporting is inconsistent across the credit bureaus. One bureau reflects a higher balance while others show a lower balance, demonstrating that the information being furnished is inaccurate and unreliable. I have disputed the account with the credit bureaus, yet Sunrise Credit Services continues to verify the account without correcting the inaccurate reporting. I have also contacted Sunrise Credit Services multiple times by phone and email. I have received conflicting information from representatives and have repeatedly been required to submit the same documentation without any meaningful resolution. I believe Sunrise Credit Services has failed to conduct a reasonable investigation before verifying the disputed information and has continued to furnish inaccurate information to the credit reporting agencies in violation of the Fair Credit Reporting Act. Their inaccurate reporting has negatively impacted my credit profile and has caused unnecessary stress and hardship. I respectfully request that Sunrise Credit Services immediately conduct a proper investigation, cease reporting inaccurate information, update all credit reporting agencies to reflect that the account has been paid with a zero balance, and remove any information that can not be accurately verified. I also request that the CFPB investigate Sunrise Credit Services handling of consumer disputes and require them to comply with their obligations under the Fair Credit Reporting Act. Ultimately, they committed the following infractions : They reported a balance that was incorrect after receiving proof that the balance had been reduced or paid. 2. They verified the debt as accurate despite documentation showing a {$0.00} balance. 3. They reported different balances to different credit bureaus at the same time. 4. They failed to update the account after being notified that the debt was paid. 5. They ignored evidence you submitted and continued to verify the account.

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