Consumer complaint received 2023-12-06
Company: PINNACLE RECOVERY, INC.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX, XXXX, and XXXX XX/XX/2023 Subject : Dispute of Inaccurate Information on Credit Report - Account XXXX XXXXXXXX ( XXXX XXXX XXXX ) To Whom It May Concern, I am writing to formally dispute the presence of an alleged debt on my credit report, specifically Account XXXX XXXXXXXX, which is attributed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I, XXXX XXXX, residing at XXXX XXXX XXXX XXXX, XXXX, MD XXXX, assert that I have never engaged in any transaction, let alone purchased a timeshare, from XXXX XXXX XXXX or any other business entity. 
This matter has been a source of frustration for over XXXX years, and despite repeated attempts to resolve it, I continue to face unwarranted and baseless claims from XXXX XXXX XXXX and their collection agent, XXXX XXXX. As a seasoned realtor with over 15 years of experience in the real estate industry, I possess a comprehensive understanding of real estate transactions, including timeshares. To be explicitly clear, any real estate transaction, including timeshares, requires a signed contract to be legally valid. I can confirm unequivocally that no such contract exists in relation to this alleged debt. 
Upon requesting documentation to substantiate the debt, XXXX XXXX provided me with what can only be described as meaningless and suspicious paperwork. The attached documents including a warranty deed, which erroneously lists an outdated street address with an inaccurate house number, that I have not resided in since my high school years, includes two grantors whom I have never had any dealings with. What is most telling is the complete absence of my signature on this so-called " deed, '' which is a fundamental requirement for any real estate transaction. Furthermore, the lack of a copy of my picture ID, which is standard procedure in real estate transactions, further underscores the fraudulent nature of these documents. 
Moreover, the ledger purportedly containing " card transactions '' fails to reference any credit card belonging to me, and it does not indicate any legitimate transactions related to my name or accounts. This is undeniable evidence that this supposed debt is entirely unfounded, and it seems more likely that it is a result of identity confusion or, worse yet, a deliberate act of fraud and misrepresentation on the part of XXXX XXXX XXXX and their collection agent. 
I vehemently protest against these deceptive practices and respectfully demand that any reference to XXXX XXXX XXXX and all associated parties be immediately removed from my credit report. I have presented a compelling case backed by evidence that I am not responsible for this alleged debt and have never attempted to purchase a timeshare. 
I urge your agency to conduct a thorough investigation into this matter, and I expect a prompt resolution. Please inform me, in writing, of the actions taken to rectify this situation within 30 days from the receipt of this letter, as mandated by the Fair Credit Reporting Act ( FCRA ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation