Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SUNRISE CREDIT SERVICES, INC
State: NJ

Complaint narrative:
I am disputing a XXXX debt that has been recycled and re-reported by a new collection agency ( Sunrise Credit Services Group ) after a prior collector deleted the tradeline and closed its file. I believe XXXX and Sunrise are violating the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) by re-aging and re-reporting a disputed, inconsistent balance, and by continuing collection activity while federal disputes are active. 

This all comes from the same XXXX XXXX and XXXX XXXX account. XXXX billing was already the subject of prior complaints with both the FCC and the CFPB because of excessive reactivation fees, confusing bills, and threats of collections while my account was in active dispute. 

Previously, XXXX sent this same debt to XXXX XXXX XXXX XXXX XXXX XXXX reported a XXXX collection on my credit reports and my score dropped. After I filed a complaint with the CFPB, XXXX XXXX XXXX told the CFPB that they : received the account from XXXX, sent me a collection letter, then, in the interest of consumer focus, closed their file and requested deletion of their tradeline from the credit bureaus. They explicitly stated that I should contact XXXX about the balance. After that, the XXXX XXXX XXXX collection was removed from my reports. 

Later, a separate XXXX XXXX collection was reported on my XXXX  report. I disputed that item directly with XXXX  ( through XXXX XXXX ). XXXX  opened Dispute # XXXX, and on XX/XX/year> XXXX  marked the dispute Approved and removed the XXXX XXXX collection from my report. As of my XX/XX/year> XXXX  report, I showed {$0.00} in collections. Now, XXXX has recycled the same disputed XXXX debt to a different collector, Sunrise Credit Services XXXX, and Sunrise is reporting it as a brand new collection on both XXXX  and XXXX  : On XXXX  ( via XXXXXXXX XXXX ), Sunrise Credit Services XXXX XXXX XXXX XXXX a collection with : Original creditor : XXXX XXXX XXXX {$530.00} Date assigned : XX/XX/year> Date reported / status date / balance date : XX/XX/year> Status : Unpaid / Placed for collection Credit Karma shows that between XX/XX/year> and XX/XX/year>, this Sunrise collection was added to my XXXX report and my score dropped about XXXX points. 
On XXXX, Sunrise Credit Services Group is now reporting a {$530.00} XXXX collection, opened XX/XX/year>, with last update around XX/XX/year>. This is now my only collection, and my TransUnion score dropped about XXXX points when Sunrise appeared. This is the same underlying XXXX account that was : Previously in the hands of XXXX XXXX XXXX ( who removed their tradeline after my CFPB complaint ), and previously reported as an XXXX  XXXX  collection on TransUnion ( removed after my direct dispute was approved on XX/XX/year> ). 

The balances have been inconsistent the entire time : XXXX referenced a balance around {$590.00} for XXXX. 
Comcasts own final Mobile bill was about {$590.00}. 
Sunrise is now reporting {$530.00} as the original amount owed. 
At the same time, Comcasts own billing history shows multiple partial credits for Fast Adjustment, xFi Complete - Adjustment, Admin/Late Fee Adjustment, and numerous {$12.00} reactivation fees that were reversed in part. There is no clear, accurate accounting that explains how the debt went from {$900.00}, to {$590.00}, to {$530.00}, to {$590.00}. XXXX has never provided a full, transparent breakdown despite multiple requests and FCC complaints. 
I also have active FCC complaints against XXXX ( most recently FCC Ticket No. XXXX ) where I raised : Excessive reactivation fees and billing abuses, Collections threats while disputes were still open, Illegal blocking of number port-out until I paid in full, And the use of credits that show XXXX knew their billing was wrong but refused to fully correct the account. 

Instead of resolving the account properly, XXXX has simply rotated different collection agencies XXXX XXXX XXXX XXXX, then XXXX, now Sunrise ) and allowed each to hit my credit reports with a new collection. When XXXX agency removes its tradeline after a complaint or dispute, XXXX just sends the same disputed debt to a new collector and my scores get damaged again. 

I believe this conduct violates : FCRA, 15 U.S.C 1681s-2 - XXXX and Sunrise are furnishing information they know or should know is inaccurate and incomplete, especially after prior deletions and disputes. 

FDCPA, 15 U.S.C. 1692e and 1692f - It is deceptive and unfair to keep re-reporting the same disputed XXXX balance through serial agencies with inconsistent amounts and dates, effectively re-aging and recycling the debt on my credit reports. 

FDCPA, 15 U.S.C. 1692g - I have repeatedly disputed the validity of the XXXX debt through regulators and bureaus, but Sunrise is now reporting without ever providing proper validation to me. 

I am on public assistance ( XXXX, XXXX, etc. ) and have been trying to resolve this in good faith for a long time. Instead of fairly auditing the account and honoring the prior removals, XXXX and Sunrise are using credit reporting as a pressure tactic.

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