Consumer complaint received 2024-03-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SUNRISE CREDIT SERVICES, INC
State: TX

Complaint narrative:
I am writing to file a formal complaint against XXXX XXXX XXXX XXXX for multiple violations of consumer financial protection laws that have negatively impacted my credit and consumer rights. Detailed below are the specific violations and the actions I am demanding in response. 

Violations : Failure to Provide Validation Information : Despite placing a collection entry on my consumer report, Sunrise Credit Services , Inc. has not provided me with the requisite validation information as mandated under 12 CFR 1006.34 ( b ) ( 5 ). This lack of transparency and due diligence is unacceptable and has unjustly affected my credit standing.

Denial of Dispute XXXX  : In contravention of 12 CFR 1006.34 ( c ) ( 4 ) ( i ), I have not been afforded the opportunity to dispute the account in question. This denial of my right to dispute is a direct violation of established consumer protection regulations.

Use of Deceptive Practices : The collection tactics employed by Sunrise Credit Services , Inc. involve false, misleading, and deceptive means, which is in clear violation of my consumer rights and breaches the trust inherent in fair collection practices.

Unauthorized Reporting to Credit Bureaus : The agency has reported information to consumer reporting agencies without adhering to the necessary legal disclosures, violating both 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ). This unauthorized reporting undermines the integrity of my consumer report and violates statutory requirements.

Demands : In light of these violations, I hereby : Dispute All Alleged Debts : I am disputing any and all debts that Sunrise Credit Services , Inc. claims I owe. I assert that these claims have not been validated and are disputed in full.

Revoke Communication Rights : Effective immediately, I am revoking Sunrise Credit Services , Inc. 's rights to contact me via email, text messages, or phone calls. All future communications should be directed in writing through postal mail.

Request for Debt Validation : I am formally requesting a comprehensive validation of the alleged debt, including but not limited to the original creditor 's name, the date of the original charge, and the amount of the debt.

Request for Purchase Agreement : Additionally, I request a copy of the purchase agreement between Sunrise Credit Services , Inc. and the original creditor, proving the legitimacy of the debt and the authority to collect it.

Proof of Licensing and Bonding : I also demand proof that Sunrise Credit Services , Inc. is licensed and bonded to collect debts in my state, as required by law.

I expect a prompt response to this complaint, addressing each violation and demand outlined above. Failure to satisfactorily resolve these issues may compel me to take further legal action, including but not limited to seeking remedies through litigation.

Please consider this letter a formal notice of the aforementioned disputes and demands. I look forward to your timely and comprehensive response.

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