Reviews
9
Average
Response rate
0%
Resolution rate
0%
Anonymous
They have sent me letters, called me numerous times from different numbers from all kinds of places to collect a debt.
Anonymous
Through this CFPB complaint, I am formally asserting my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) by submitting a combined dispute and validation request to Sunrise Credit Services , Inc . I have attached a detailed written request that outlines all necessary documentation to validate the alleged debt. Specifically, I am requesting : A complete copy of the original signed contract or agreement that created the alleged obligation. A full itemized account history, including all charges, payments, interest, fees, adjustments, and charge-offs. Documentation showing that Sunrise Credit Services , Inc currently owns the debt, including any purchase or assignment contract. The name and address of the original creditor. Copies of any prior notices or communications, including the validation notice required under 15 U.S.C. 1692g ( a ). Additionally, to verify the accuracy and completeness of the information associated with this account, I have requested : The Date of First Delinquency ( DOFD ), as recorded by the original creditor. The charge-off date of the account. The assignment or purchase date, including documentation of the transfer to Sunrise Credit Services , Inc . The full data set maintained for the account ( status, balance, date opened, dispute codes ). A description of the investigation procedure used, if this account has previously been disputed. This complaint ensures the request is formally submitted through a regulatory channel, with full documentation. Please ensure that all 10 items requested in the attached letter are addressed completely and directly.
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I am submitting this complaint because a collection account that was previously removed from my credit reports after my prior CFPB complaint has now been reported again by a different collection agency. I have documentation showing that the previous collection agency removed the account following the resolution of my earlier CFPB complaint. Despite that resolution, another collection agency has now purchased or been assigned the same alleged debt and began reporting it on my credit reports again. I dispute the accuracy, completeness, and legal basis for this reporting. Under the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681s-2 ( a ) requires furnishers of information to provide accurate information to consumer reporting agencies. 15 U.S.C. 1681s-2 ( b ) requires furnishers to conduct a reasonable investigation after receiving notice of a dispute from a consumer reporting agency. 15 U.S.C. 1681e ( b ) requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy of information contained in consumer reports. 15 U.S.C. 1681i requires consumer reporting agencies to conduct a reasonable reinvestigation of disputed information. Additionally, under the Fair Debt Collection Practices Act ( FDCPA ) : 15 U.S.C. 1692e prohibits debt collectors from using any false, deceptive, or misleading representations in connection with the collection of a debt. 15 U.S.C. 1692f prohibits unfair or unconscionable means to collect or attempt to collect a debt. If applicable, 15 U.S.C. 1692g requires the debt collector to provide validation of the debt when required by law. Because this account was previously removed following my CFPB complaint, I request that the current collection agency provide competent evidence demonstrating : Their legal authority to collect the alleged debt. A complete chain of assignment or ownership from the original creditor to the current collector. Documentation establishing the amount claimed is accurate. Documentation demonstrating that their credit reporting complies with the Fair Credit Reporting Act and Fair Debt Collection Practices Act. If they can not provide competent evidence supporting the accuracy and legal basis for this reporting, I request that the account be immediately deleted from all consumer reporting agencies. I am attaching documentation showing : The previous CFPB complaint. The resolution of that complaint. Evidence that the prior collection account was removed. Documentation showing the new collection account has now appeared. I request that the CFPB investigate whether this re-reporting complies with the Fair Credit Reporting Act and the Fair Debt Collection Practices Act, require the company to substantiate its reporting, and require deletion of the account if it can not be verified as accurate and legally reportable. The previous company could not verify the debt.
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Re : Formal Dispute and Demand for Debt Validation Pursuant to the FCRA and FDCPA To Whom It May Concern, This letter serves as a formal notice and demand under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) regarding inaccurate, incomplete, or unverified information appearing on my credit report. Pursuant to 15 U.S.C. 1681i ( a ) of the FCRA, I am formally requesting that you conduct a reinvestigation of this disputed information, and that you provide me with a detailed description of the procedures used in your investigation ( as required under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) ) within fifteen ( 15 ) days of completing your reinvestigation. Furthermore, under 15 U.S.C. 1692g ( b ) of the FDCPA, I am requesting that the furnishing party provide competent evidence of the alleged debt, including but not limited to : A copy of the original contract or agreement bearing my signature A full itemization of the alleged debt, including all principal, interest, fees, and other charges The name and address of the original creditor. If the above-referenced account ( s ) can not be properly validated or verified in accordance with the law, you are required to delete the disputed information from my credit file and provide notice of the deletion to any party that has received a copy of my credit report within the past six months ( or two years if for employment purposes ), as provided under 15 U.S.C. 1681i ( d ). Please be advised that failure to comply with these statutory obligations may result in the filing of a complaint with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and/or initiation of legal action to enforce my rights. I expect your complete response within the timeframe mandated by federal law thirty ( 30 ) days from receipt of this notice, as set forth in 15 U.S.C. 1681i ( a ) ( 1 ).
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This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, I'm entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.
Anonymous
I am currently applying for a mortgage, and a collection account from Sunrise recently appeared on my credit report. I have no knowledge of this account, do not recognize the alleged debt, and did not authorize or open any account connected to it. I sent Sunrise a written dispute by certified mail 10 days ago, but I have received no response. This account is fraudulent and does not belong to me. It is negatively affecting my credit and threatening my mortgage approval. I am requesting that Sunrise immediately investigate this matter, provide proof that the debt belongs to me, and remove the fraudulent collection account from all three credit reports as soon as possible.
Read full reviewAnonymous
I didnt authorized this collection company to put this information on my credit with out validating the debt
Anonymous
I never received any letter about the account or any consent for this account with this collection
Anonymous
They say I owe them I have never heard of the company and have never gave this company my information.