Consumer complaint received 2025-09-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute of Inaccurate and Unverified Account Reporting Sunrise Credit Services Dear Sir or Madam, I am formally disputing the validity and accuracy of the alleged account being reported by Sunrise Credit Services under account number XXXX, which falsely reflects that it was opened on XX/XX/XXXX, with a balance of {$1600.00} allegedly owed to XXXX XXXX XXXX XXXX. 

I have never entered into any contractual relationship with Sunrise Credit Services, and they are not the original creditor. The reporting of this account as if Sunrise Credit Services were the originator is materially misleading, inaccurate, and unlawful. 

Grounds for Dispute XXXX. Violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ) : Credit reporting agencies must ensure maximum possible accuracy in reporting. Reporting Sunrise Credit Services as an original creditor is a factual inaccuracy.

2. Failure of Validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ) : Sunrise Credit Services, as a debt collector, must provide proper validation of the debt upon request. To date, no validation has been provided proving that I owe this debt or that Sunrise Credit Services has the legal right to collect it. 
XXXX. Material Misrepresentation Case Law Support : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) : Courts held that CRAs can not merely rely on a creditors word ; they must conduct a reasonable investigation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Reporting inaccurate account ownership and details constitutes a violation of FCRA. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) : Establishes that attorneys and debt XXXX must adhere strictly to FDCPA provisions when attempting collection. 
XXXX. Incorrect Date of Account Opening : The report falsely lists the account as opened on XX/XX/XXXX, which is impossible and inaccurate. This constitutes the reporting of false information in violation of FCRA. 

Demand for Immediate Action Pursuant to my rights under 15 U.S.C. 1681i and 1681s-2, I demand : A complete deletion of this inaccurate account from my credit file, OR Proof of verifiable documentation, bearing my signature, establishing that I entered into a binding agreement with XXXX XXXX XXXX XXXXXXXX for this alleged account, and that Sunrise Credit Services has lawful assignment of this debt.

If the account can not be fully verified with proper documentation within 30 days, it must be deleted immediately as required by law.

Notice of Liability Be advised that failure to properly investigate and correct this false reporting will leave you liable for damages under 15 U.S.C. 1681n, 1681o, and 15 U.S.C. 1692k, including statutory damages, attorneys fees, and costs. 

I expect written confirmation within 30 days that this matter has been resolved. 

Sincerely, 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