Pinnacle Credit Services, LLC Debt Collection Complaint

Pinnacle Credit Services, LLC Debt collection department,

Cont'd attempts collect debt not owed Debt is not mine California

I am the victim of identity theft. On -/-/-, I discovered a - collections '' entry on my - credit report that was not mine. On -/-/-, I called Pinnacle/ - - and spoke with - , '' who confirmed that the name of the person who stole my identity was attached to the collections account ( not my name ). - '' told me to submit a faxed dispute to - - -. I submitted a faxed dispute to Pinnacle/ - - on -/-/-. However, I received no response to my dispute from Pinnacle/-. So on -/-/-, I called Pinnacle/- again ( speaking with


of my current - credit report, and discovered that **the Pinnacle collections entry was still showing on my - credit report, - months after Pinnacle supposedly stopped reporting it and closed the subject account due to fraud. **Under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, a debt collector may not report a debt to a Consumer Reporting Agency ( CRA ) ( such as, in this case, - ) if the debt has been disputed, and has not been verified within thirty days of the consumer 's initial notice of dispute. Pinnacle/ - has failed to provide me any verification of the subject debt more than six months after I first notified Pinnacle of a dispute ; and indeed, earlier this month, Pinnacle assured me that the account had been closed due to the fraud. As such, Pinnacle is in standing violation of the FDCPA and the FCPA by continuing to report this inaccurate information to - and the other CRAs.