Pinnacle Credit Services, LLC Debt Collection Complaint

Pinnacle Credit Services, LLC Debt collection department,

Credit card Disclosure verification of debt Not given enough info to verify debt Kentucky

On -/-/- I received a credit alert a new account was added to my credit file. Upon inspection, I found this 'new account ' was a collections account from Pinnacle listed as a - - debt. I had never received any communication regarding this alleged obligation. At that time, I sent a letter to Pinnacle, Certified Mail Return Receipt requesting validation of this debt. Despite Pinnacle receiving this demand, I received no response, not even a dunning letter. Having waited the required length of time for a response and for validation of the debt, and receiving none, I submitted disputes with the - major credit reporting agencies on -/-/- explaining I was unaware of such an obligation to Pinnacle and that Pinnacle had failed to respond to my request for validation as required. Per the resolution letter I received from the credit reporting agencies regarding my dispute, Pinnacle verified to them that the account belonged to me and by keeping it on my credit report, that they were legally entitled to collect said debt AND that is was a valid debt of mine, all information they seemed unable or unwilling to provide me. At no time before or after the


included current mailing address information in my communication. I again reached out to them on -/-/- via Certified Mail Return Receipt requested and again received no communication despite their receiving my communication. On -/-/- I emailed their COO, - regarding this matter. He responded that they were unable to locate my account information and could I provide more information? I responded with all my personal information, and all account information in my credit files so they could locate the account and we could resolve this. I never heard another word despite my sending repeated emails. I have requested to have documentation provided that this debt exists, that I owe it, and that they are legally entitled to collect it. They have failed to provide requested documentation, yet they continue to report the account to the credit reporting agencies inaccurately each month which constitutes a continued efforts to collect this debt. Pinnacle is in violation of the FCRA and the FDCPA.