Complaint Review: Pinnacle Credit Services - Hopkins Minnesota

Pinnacle Credit Services has filed two fraudulent civil lawsuits against me in two different parishes/counties with in one month for the same fraudulent account. I have filed my answer with both courts of denial (I have all documentation) FACTS:

I knew nothing of Pinnacle Credit Services until I was served this citation that I was being sued for something I knew nothing of before being served these citations of suit on 6/2007. The first suit stated I lived in Houma, Louisiana NOTE: A place I have never lived nor even visited, however I filed my answer with this court (over a hundred miles away) The following week they filed another suit against me in my parish/county and again I filed my answer with the court of denial. This is a violation of the law.

I called this Pinnacle Credit Services, who would not give me any information and referred me to a company they claimed was handling this debt. I spoke with them who told me to get in touch with the attorney who was now handling this. I asked this debt be validated and none of three would do so. A lady at the Attorney Office informed me it was a Providian Credit Card that I never paid.

I called Providian who informed me this account had a zero balance and had knowledge of Pinnacle Credit Services LLC. I also had this company run my SS # and still they could not find anything I owed them. This is a violation of the FDCPA

I have filed complaints against Pinnacle Credit Services with the Federal Trade Commission and my State Attorney Generals office as well. I sent Pinnacle Credit Services a certified letter requesting that they validate this alleged debt. (I have a signed return receipt from them) They have not done this. This is another violation of the FDCPA

Pinnacle Credit Service LLC is a Debt Collection Agency/Company who is committing FRAUD by reporting on my credit file this alleged debt is an Installment Loan with a revolving balance. This is a serious violation of the law and I have proof of this. I have filed disputes with the credit bureaus and placed a fraud alert on my credit file due to this debt collectors failure to follow the law.

I was informed by Equifax that Pinnacle Credit Service never answered the dispute I filed with them so it was removed from that credit file, however today I was informed by TransUnion they verified that it was accurate, but changed the balance by adding 300 dollars and continued reporting it as a derogatory. This is listed as Loan Type: Factoring Company Account that Pinnacle Credit Services has placed for collections?? (This is straight out FRAUD) This is a collections account and I can prove this if needed.

According to the my state civil laws, My Attorney General, The Federal Trade Commission Pinnacle Credit Services is in serious violation of the FDCPA by failing to stop collection activities when receiving my certified letter requesting this debt be validated, when they continued to report it on my TransUnion Credit Report, nor did they add a statement that I disputed this debt with them. (This is in violation of the FDCPA)

They are committing Fraud by reporting this alleged debt that they purchased as a INSTALLMENT ACCOUNT on my TransUnion Credit Report. Facts: Pinnacle Credit Services buys debt that the SOL has expired on and changes the Date of Last Activity(This is how they do it)They report this account as an Installment Account on a consumers credit report for a few months without their knowledge, (They never send the consumer anything) then report it as a charge off (Illegal) after adding penalties and interest, late fees and running up the balance to an unbelievable amount within a few months, then they report it as a account they have charged off to collections, then the second party comes into play acting as the collector (in my case Trak America) then after a couple of months sends the account to an Attorney who files a law suit against the consumer who is served a citation out of the blue they are being sued for something they have no knowledge of at all which states they have only ten days to file their answer/legal pending with the court or the Plaintiff wins by default.

Bayougirl

Denham Springs, Louisiana

U.S.A.