Debt collection -- Attempts to collect debt not owed -- Complaint #9835239
Complaint Overview
Complaint ID: 9835239
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: Florida
ZIP Code: 32819
Date Received: 2024-08-17T12:00:00-05:00
Date Sent to Company: 2024-08-17T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Subject : Request for Debt Validation under the FDCPA and the Florida Consumer Collection Practices Act SUNRISE CREDIT SERVICE , INC - XXXX Dear SUNRISE CREDIT SERVICE , INC, I am contacting you regarding the alleged debt mentioned above. This is a formal notice under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g to request validation of this debt. Pursuant to my rights under the FDCPA, I am requesting the following : Debt Collection License Information : I would like more information about your company before discussing the debt with you. Does your company have a debt collection license from my state? If not, please indicate why. If so, please provide the license date, the name listed on the license, the license number, and the name, address, and phone number of the state agency that issues the license. Debt Validation : Detailed evidence of the existence of the debt, including the original signed contract supporting the payment obligation, complete account history, and any documents showing that you are legally authorized to collect this debt. Original Creditor 's Name and Address : Please provide the name and address of the original creditor, as well as any agreement or contract signed by me, confirming my legal responsibility for the debt. Itemization of Charges : A detailed description of the amount owed, including any interest, additional fees, or costs that have been added to the original debt. Proof of Authority to Collect : Documentation showing that you have the authority to collect on behalf of the original creditor and that the debt has not been settled, sold, or transferred to another creditor. Pursuant to Section 1692g ( b ) of Title 15 of the United States Code, until the debt is validated, no further collection action will be taken, including negative reporting to the credit bureaus. Finally, I also request that any future communication regarding this matter be in writing and sent to my address. Pursuant to law, I expect your response within 30 days of receipt of this letter.
Frequently Asked Questions
What is Complaint #9835239 about?
Complaint #9835239 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 2024-08-17T12:00:00-05:00.
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.