Consumer complaint received 2026-06-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUNRISE CREDIT SERVICES, INC
State: FL

Complaint narrative:
Sunrise Credit Services , Inc. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) is attempting to collect, and is reporting on my credit file, an alleged debt of {$330.00} with original creditor XXXX XXXX XXXX XXXX XXXX ( partial account number XXXX ). The collection was placed in or about XX/XX/XXXX and is scheduled to remain on my credit report until XX/XX/XXXX. I have never received from Sunrise Credit Services the documentation necessary to verify this alleged debt, and I dispute it in full. I. Validation demanded under FDCPA Section 809 ( b ) Pursuant to FDCPA Section 809 ( b ) ( 15 U.S.C. 1692g ( b ) ), I demand that Sunrise Credit Services provide the following before any further collection or continued credit reporting : XXXX. The original signed XXXX XXXX XXXX XXXX XXXX service agreement or account-opening documents establishing the terms of the alleged account ; XXXX. A complete itemized statement showing the charges, payments, credits, fees, and any equipment or early-termination amounts that comprise the alleged {$330.00} balance ; XXXX. Documentation of the complete chain of assignment or the contractual authority under which Sunrise Credit Services is entitled to collect this account on behalf of XXXX XXXX XXXX, with account-level identification, not a generic placement or portfolio agreement ; XXXX. Proof that Sunrise Credit Services , Inc. is properly registered to collect consumer debt from a XXXX consumer pursuant to XXXX XXXX. Section XXXX. A debt collector that reports a consumer account to the nationwide credit bureaus while unable to produce these items on demand can not satisfy its validation obligation, and continued reporting of an unvalidated balance is inaccurate furnishing under FCRA Section 623 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ). II. FCRA furnisher accuracy and reinvestigation Sunrise Credit Services is a furnisher of information to the consumer reporting agencies and is bound by the accuracy and investigation duties of FCRA Section 623 ( 15 U.S.C. 1681s-2 ). Under binding XXXX XXXX precedent, the furnisher 's investigation duty extends to questions of legal significance, including whether the furnisher has the documentation to substantiate the debt it reports. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX XXXX. XXXX ) ; XXXX XXXX Bank XXXX XXXX, XXXX, XXXX. XXXX ( XXXX Cir. XX/XX/XXXX ). Reporting a balance the furnisher can not validate, when disputed, fails that duty. XXXX XXXX Consumer Collection Practices Act The same conduct independently violates the XXXX Consumer Collection Practices Act. XXXX XXXX. Section XXXX ( XXXX ) prohibits asserting the existence of a legal right to collect a debt when the collector knows that the right does not exist ; collecting and reporting an account without producing the documentation establishing the right to collect falls within this prohibition. IV. Concrete harm and XXXX XXXX standing My credit file is published to third parties through routine credit-file pulls and is actively used to make housing and financing decisions about me. On XX/XX/XXXX, a XXXXbased consumer report pulled for a rental application at XXXX XXXX XXXX XXXX by XXXX XXXX XXXX XXXX XXXX XXXX XXXX produced a Resident Score of XXXX and resulted in a denial of housing, which demonstrates that my consumer file is regularly obtained by third parties and relied upon to deny me. I am presently in the qualification stage of forthcoming housing and small-business financing in which my file is being pulled and scored. The continued reporting of this unvalidated Sunrise collection materially affects the pricing and approval thresholds applied to me. This publication to third parties satisfies the Article XXXX injury requirement articulated by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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