Consumer complaint received 2026-07-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: CA

Complaint narrative:
Sunrise Credit Services reported a {$76.00} collection to my XXXX credit file on XX/XX/year>. The original creditor is listed as XXXX XXXX XXXX XXXX. I do not owe this debt, and XXXX XXXX XXXX 's own invoice proves it. I cancelled my XXXX XXXX XXXX XXXX XXXX service on XX/XX/year>, before the end of my then-current billing period. I was leaving the United States and no longer needed the service. The XXXX XXXX XXXX representative I chatted with that day could not process the cancellation because of a problem on XXXX XXXX XXXX 's system and said she had to escalate it internally. XXXX XXXX XXXX 's records show the cancellation took effect XX/XX/year>. On XX/XX/year> - the day after the cancellation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX issued an invoice for {$65.00}. The invoice states on its face that the monthly charges cover the service period " XX/XX/XXXX - XX/XX/XXXX. '' The entire billed period begins after my cancellation. I received XXXX days of service in the period XXXX XXXX XXXX invoiced. I returned the equipment on the morning of XX/XX/year> at XXXX AM - the first day of that same billed period - to XXXX XXXX XXXX 's authorized return location, a XXXX Store in XXXX XXXXXXXX XXXX XXXX XXXX XXXX issued its own Equipment Return Receipt confirming the return and the device serial number. Neither invoice contains any equipment charge, confirming XXXX XXXX XXXX received the equipment. On XX/XX/year>, on XXXX XXXX XXXX 's recorded chat channel, an XXXX XXXX XXXX agent confirmed from XXXX XXXX XXXX 's own records that the service was cancelled XX/XX/year>. She told me to " just disregard the notification '' about the charge and said she would note my account " so that you will not be charge of it. '' When I asked " So this payment will get cancelled and I don't need to worry about it? '' she replied " That's correct! '' and " I can assure you with that. '' She also stated that " the cancellation of service usually takes within XXXX billing cycle. '' XXXX XXXX XXXX never acted on any of it. On XX/XX/year> XXXX XXXX XXXX added a {$9.00} late payment fee for non-payment of the phantom month, plus {$0.00} in tax on that fee, producing the {$76.00} total. The late fee is entirely derivative - no part of the amount is owed. I contacted XXXX XXXX XXXX repeatedly through its chat channel between XXXX and XX/XX/year> and was told each time that the matter would be handled. It never was. I am overseas and XXXX XXXX XXXX 's agents repeatedly tried to move the matter to a telephone call, which I could not use. I asked for an email address or any written channel to send my documentation and none was provided. XXXX XXXX XXXX then referred the account to Sunrise Credit Services. I live outside the United States and do not occupy the XXXX mailing address associated with this account ; a tenant occupies the property. To the best of my knowledge no communication from Sunrise Credit Services has reached me - no letter, no email, no call- and I first learned of this debt when it appeared on my credit file on XX/XX/year>. Whether or not Sunrise mailed anything, it furnished this tradeline without any apparent inquiry into whether the debt was valid, despite XXXX XXXX XXXX holding its own invoice, its own equipment return receipt, and its own agent 's written assurance disproving it. The tradeline also appears inaccurate on its face. XXXX shows it scheduled to remain on record until XX/XX/year>, which back-calculates to a date of first delinquency around XXXX - a period when I was a paying customer in good standing. The account could not have become delinquent before XX/XX/year>. I have filed FCC informal complaint XXXX XXXX. XXXX and an XXXX XXXX XXXX Notice of Dispute, Case Reference XXXX. I have disputed the tradeline directly with Experian.

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