Debt collection -- Attempts to collect debt not owed -- Complaint #17894421
Complaint Overview
Complaint ID: 17894421
Company: Sunbit, INC.
Product: Debt collection
Sub-Product: I do not know
Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours
State: Arizona
ZIP Code: 85719
Date Received: 2025-11-24T12:00:00-05:00
Date Sent to Company: 2025-11-24T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am filing a complaint against Sunbit regarding a {$31.00} account they have been reporting for several years. I have disputed this account with the credit bureaus more than 15 times over the past 3 years. Sunbit has never responded to a single dispute, never provided validation, and has never contacted me directly about this debt. I have no knowledge of this account, never opened credit with Sunbit, and have never received a contract, billing statement, or explanation of the charges. The creditor has failed to provide any documentation as required under the Fair Credit Reporting Act. Despite repeated disputes, the account keeps returning as verified, even though Sunbit has provided no information whatsoever to support the validity or accuracy of the debt. This is the only remaining inaccurate account on my credit report, and it is preventing me from rebuilding my credit. The lack of response from Sunbit and their failure to validate the debt indicates that this account is either fraudulent or reported in error. I am requesting that Sunbit validate the account with actual documentation or delete it from all credit reporting agencies.
Frequently Asked Questions
What is Complaint #17894421 about?
Complaint #17894421 was filed against Sunbit, INC. regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2025-11-24T12:00:00-05:00.
How did Sunbit, 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 Sunbit, INC.?
Yes, visit the Sunbit, INC. company profile at readthecomplaint.com/company/sunbit-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.