Consumer complaint received 2025-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SUNRISE CREDIT SERVICES, INC
State: NJ

Complaint narrative:
This is a formal complaint and demand for immediate deletion of an unvalidated and unlawfully furnished collection account reported by Sunrise Credit Services , XXXX, allegedly owed to XXXX in the amount of {$440.00}, opened XX/XX/year>, and reported XX/XX/year>, as seen on my TransUnion report. 

At no time did I receive a written debt validation notice or any form of communication before this tradeline was reported to consumer reporting agencies. 
This failure to provide written notice before furnishing data is a direct violation of federal law, specifically 15 U.S.C. 1692g ( a ) and 12 C.F.R. 1006.30 ( a ) ( CFPB Regulation F ).

Because Sunrise Credit Services furnished data without lawful notice or validation, this tradeline is invalid, unauthorized, and must be deleted immediately.

II. FEDERAL VIOLATIONS FDCPA Violations 1. 1692g ( a ) Failure to provide written notice of debt within five days of initial communication.

2. 1692g ( b ) Continuation of collection and reporting without debt validation.

3. 1692e ( 2 ) ( A ) False representation of the character, amount, and legal status of the alleged debt.

4. 1692f ( 1 ) Attempting to collect or report amounts not authorized by contract or by law.

FCRA Violations 1. 1681s2 ( a ) ( 1 ) ( A ) Furnishing information known or believed to be inaccurate.

2. 1681s2 ( b ) Failure to investigate and correct after notice of dispute.

3. 1681b No permissible purpose for obtaining or furnishing my consumer data.

CFPB Regulation F Violations 1. 12 C.F.R. 1006.30 ( a ) Prohibits furnishing to a CRA before sending a written validation notice.

2. 12 C.F.R. 1006.38 ( b ) Failure to retain proof of compliance documentation.

Metro 2 Data Furnishing Violations Missing Date of First Delinquency ( DOFD ) and required compliance indicators. 
Misreported Collection/Chargeoff status without validation or contract proof. 
Violation of XXXX XXXX XXXX, XXXX, and 2.5 ( Data Integrity and Accuracy Standards ).

III. KEY FACTS Sunrise Credit Services never sent me a written debt notice before reporting.

No proof of ownership, assignment, or validation has been provided.

I have no contractual relationship with XXXX or Sunrise Credit Services. 
This reporting caused a drop in my credit score, denial of credit, and reputational harm.

Under FDCPA 809 ( b ) and FCRA 623, I demand Sunrise Credit Services produce all of the following before any further collection or reporting : 1. Copy of the original signed contract or agreement creating the alleged obligation.

2. Complete accounting ledger from XXXX showing how the {$440.00} was calculated. 
3. Chain of title showing each transfer of ownership from XXXX to Sunrise.

4. Notarized Bill of Sale or Purchase Agreement naming my specific account.

5. Proof of consideration the purchase price Sunrise paid for this alleged account.

6. Copy of the initial 1692g ( a ) debt validation notice and certified mailing record.

7. Complete payment history from the original creditor.

8. Verification of Date of First Delinquency ( DOFD ) reported to the CRAs.

9. Copy of the data furnisher agreements between Sunrise and the CRAs.

10. Name, license number, and bonding information of the collector or agent.

11. Statement of permissible purpose under FCRA 1681b. 
12. Proof of XXXX authorization allowing Sunrise to report or collect.

13. Copies of all prior correspondence allegedly sent to me. 
14. XXXX XXXX data file extract showing all mandatory compliance fields. 
15. Signed affidavit from a Sunrise executive attesting to data accuracy under penalty of perjury.

16. Evidence that the alleged debt is not time-barred under state law.

17. Record of all CRA disputes and Sunrises investigation results under 623 ( b ).

18. List of all third-party vendors or data handlers involved with this account. 
19. Proof of internal compliance audits verifying XXXX XXXX data accuracy. 
20. Certified full chain-of-title documentation from the original creditor to Sunrise.

If Sunrise Credit Services can not produce every item listed above, the account is unverified and must be immediately deleted under FDCPA 809 ( b ) and FCRA 611 ( a ) ( 1 ) ( A ).

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