Consumer complaint received 2025-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SUNRISE CREDIT SERVICES, INC
State: GA

Complaint narrative:
Heres a dispute letter based on the inaccuracies in the Sunrise Credit Service account report. This letter cites FCRA and FDCPA laws to demand correction or deletion. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX XX/XX/XXXX Subject : Formal Dispute of Inaccurate Collection Account Sunrise Credit Service I am disputing the inaccurate reporting of a collection account associated with Sunrise Credit Service, which appears on my credit report. The account details are as follows : Creditor Name : Sunrise Credit Service Account Number : XXXX Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX Reported Balance : {$400.00} Past Due Amount : {$0.00} Last Four of SSN : XXXX Upon reviewing this entry, I have identified multiple inaccuracies that violate the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). I request an immediate investigation and correction or removal of this inaccurate information based on the following : 1. Impossible Dates FCRA Violation The account is reported as opened on XX/XX/XXXX, yet we are currently in early XXXX. 
The account is also reported as closed on XX/XX/XXXX, which has not yet occurred. 
Reporting future-dated accounts is impossible and inaccurate, violating FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], which requires credit reporting agencies to ensure maximum possible accuracy. 

2. Contradictory Payment Status Reporting Error The report states that my past due balance is {$0.00}, yet the account is listed as in collections. 
If there is no past due balance, there is no valid reason for this account to remain in collections. 
This inconsistency violates FCRA 1681s-2 ( a ) ( 1 ) ( A ), which mandates that furnishers must report only accurate and complete information. 

3. Missing Original Creditor Information FDCPA Violation Nowhere in the report is the original creditors name, account details, or proof of debt ownership provided. 
Under FDCPA 809 ( b ) [ 15 U.S.C. 1692g ], debt collectors must provide : The original creditors name and contact details Proof that the debt is valid and belongs to me A breakdown of how the balance was calculated If Sunrise Credit Service can not provide this information, this debt must be removed from my credit report immediately. 

4. Future Reporting Date Illegal Credit Reporting The account states it was reported on XX/XX/XXXX, a date that has not yet occurred. 
This is another impossible reporting error, violating FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], which mandates that credit bureaus ensure all reported data is accurate and verifiable. 

Requested Actions : 1. Immediately remove this account from my credit report due to the reporting errors outlined above. 
2. If Sunrise Credit Service maintains this entry, provide : Verification of the original creditor and proof of debt ownership. 
An explanation of how a collection account has a {$0.00} past due balance. 




Thank you for your immediate attention to this matter. 

Sincerely, XXXX 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