Debt collection -- Attempts to collect debt not owed -- Complaint #15925097
Complaint Overview
Complaint ID: 15925097
Company: Sunrise Credit Services, INC
Product: Debt collection
Sub-Product: I do not know
Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours
State: Massachusetts
ZIP Code: 02132
Date Received: 2025-09-13T12:00:00-05:00
Date Sent to Company: 2025-09-13T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/XXXX, I saw on my online banking account that my XXXX XXXX had dropped suddenly from the high XXXX to XXXX. I have never taken out a loan or owed any debts, and I always pay off my credit card, so I requested a free credit report from Experian to see what was going on. On the report, a debt collections account ( beginning in XXXX ) associated with Sunrise Credit Services and XXXX XXXX XXXX was listed as having been opened against me on XX/XX/XXXX, last updated XX/XX/XXXX. It has a balance of {$1200.00} dollars. I have no knowledge of this money or account. There was also an unknown address listed, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. I have never visited or lived in Texas. Between XX/XX/XXXX and XX/XX/XXXX, I have set up credit freezes and initial fraud alerts with Experian, TransUnion, and Equifax. I have not contacted or been contacted by Sunrise Credit Services, anyone claiming to be them, or any other alleged debt collectors. I have not yet filed an identity theft report with law enforcement or any other organization.
Frequently Asked Questions
What is Complaint #15925097 about?
Complaint #15925097 was filed against Sunrise Credit Services, INC regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2025-09-13T12:00:00-05:00.
How did Sunrise Credit Services, INC respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Debt collection) and describe your issue in detail.
Can I see other complaints against Sunrise Credit Services, INC?
Yes, visit the Sunrise Credit Services, INC company profile at readthecomplaint.com/company/sunrise-credit-services-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.