Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: SUNRISE CREDIT SERVICES, INC
State: GA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to report an incident of financial fraud I have been a victim of and to seek your assistance in resolving the situation. I have been charged by a fraudulent company after I was deceived into providing personal information via a phishing scam. 

In XX/XX/XXXX, I began receiving multiple phone calls and emails from a company claiming to be affiliated with XXXX XXXX XXXX. After several persistent calls and inquiries, I eventually gave in and shared some of my personal information, mistakenly believing the communication was legitimate. Unfortunately, I later learned that these charges were fraudulent and not associated with XXXX XXXX XXXX, but with a company using a name suspiciously similar to theirs XXXX XXXX. 

On XX/XX/XXXX, I was informed by my recruiter that a charge from Sunrise Credit Services had appeared on my credit report. At the time, I was unaware of this charge and had not received any phone calls or emails that I could link to this company, as they either went to my spam folder or I never received them at all. I now realize that this charge was fraudulent, and the company had falsely reported it to a credit service, leading to a negative impact on my credit. 

I called the fraudulent company multiple times on XX/XX/XXXX, to inquire about the charges and get clarification on what I was being billed for. I have proof of these phone calls, which demonstrate my attempts to resolve this issue. Unfortunately, each time I reached out, I was directed to different departments, including their so-called fraud services, and after numerous inquiries, I was either left on hold for extended periods or had my call disconnected. At one point, I even requested to speak with a higher-up, but the call was either dropped or redirected to a person speaking XXXX, which further complicated the situation. 

The fraudulent company, XXXX XXXX, is using deceptive practices to charge individuals like myself and is in no way affiliated with XXXX XXXX XXXX. The contact numbers for this fraudulent company are : number : XXXX number : XXXX Additionally, I received a suspicious link claiming to provide more information about the payment I supposedly owed. The link was : XXXX XXXX XXXXXXXX This link was sent from the number XXXX, which I now know is part of the phishing scheme to collect personal information. 

I also called XXXX XXXX XXXX  customer service at XXXX to verify the authenticity of this charge. They confirmed that the number associated with this charge was not recognized as being related to any legitimate transaction under my name. The XXXX XXXX XXXX representative explained that this number belonged to a different company, not affiliated with XXXX XXXX XXXX or any of its services. 

The phone number from which the fraudulent company has charged me is XXXX. I have attached a screenshot of the text exchange between myself and this number, which highlights the suspicious nature of the communication. 

Because these fraudulent charges have affected my credit and hindered my ability to join the military, I was forced to pay the charges. Despite my efforts to dispute the charges and resolve the situation, I have not been able to find a resolution. 

I am requesting your assistance in investigating this matter and ensuring that these fraudulent charges are removed from my credit report. I would greatly appreciate your help in taking the necessary steps to address this scam and protect me from further harm. 

Thank you for your time and attention to this serious matter. Please do not hesitate to contact me should you require any further information.

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