Pinnacle Credit Services Negative reporting Saint Louis Park Minnesota
Having just recieved copies of my credit reports, I found that Experian showed a negative report from Pinnacle Credit Services. This report does not appear on the other credit agencies reports.
I have not recieved any requests for payment but after reading the other reports filed here, I guess it's just a matter of time.
I have filed a dispute with experian via their web site and am awaiting the results.
Pinnacle has reported that the original creditor is NE-Commsoft and I am unable to find anything refarding this company.
This is no doubt a rip off in progress. The date opened is listed as 1/07 with the amount owed as $151 and now stands at $233.
I am ready to sue their pants off and if I win, give the money to charity just for principle.
Sgtbigred
Pensacola, Florida
U.S.A.
3 Updates & Rebuttals
John
Louisville,Kentucky,
U.S.A.
Advise...
#4Consumer Comment
Thu, November 08, 2007
#1) Send a Registered Mail with Return Receipt directly to Pinnacle, stating the following:
This debt is not mine and Pinnacle is in violation of the Fair Credit Reporting Act in reporting erroneous negative information to the credit bureaus that I owe this debt. If this erroneous entry is not removed from my credit file within thirty days, I plan to file official charges against Pinnacle with the Minnesota Attorney General [note: Pinnacle is located in Minnesota, so complaints would be filed in Illinois] as well as take other actions per my rights under the Fair Credit Reporting Act
Pinnacle Credit Services LLC
7900 Highway 7 Ste 100
Minneapolis, MN 55426-4049
Telephone: (952) 939-8100
Minnesota Attorney General's Office
1400 Bremer Tower
445 Minnesota Street
St. Paul, MN 55101
(651) 296-3353
(800) 657-3787
#2) Send a Registered Letter with Return Receipt to any (all) credit bureaus still reporting this bogus negative information with the following request:
I am requesting the written communication between your firm and Pinnacle that led to validation of this.
#3) Keep your fingers crossed and hope this works. If the negative information is STILL on your credit files after these efforts, it's time to see an attorney who specializes in Fair Credit Reporting Act violations.
Sgtbigred
Pensacola,Florida,
U.S.A.
Pinnacle dead beats
#4Author of original report
Wed, November 07, 2007
After having sent a certified letter for verification of debt and outlining my rights under US CODE TITLE 15 CHPT 41 CONSUMER CREDIT PROTECTION, Pinncalce Credit Services failed to comply. They have now passed this debt along to Retrieval Masters Creditors Bureau of Elmsford New York.
This is on an account that I have never originated for cellular services from TDMA,Commsoft or Cellular 2000. I now have belief that this is a case of consumer identity theft.
I am now going to pursue legal suit against both agencies as directed under 1692k. Civil liability.
Sgtbigred
Pensacola,Florida,
U.S.A.
More info
#4Author of original report
Sat, October 06, 2007
Have recieved response from experian regarding my dispute, but like all robotron responses, they say this report is "verified" and will not remove from credit report. They however did provide me with the phone number for Pinnicle Credit Services.
After researching the original creditor listed on the debt (NE-Commsoft), I have found it to be some on line form of rip off.
Will be notifying Pinnacle in writing via regersted letter requesting proof of the liability, and why no corespondance was ever sent to me.
According to FL statutes, I may be able to collect damages not to exceed $1000 for fraudulant reporting of a debt.