Consumer complaint received 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Pinnacle Finance LLC
State: DC

Complaint narrative:
Formal Dispute of Inaccurate Credit Reporting of Fraudulent Account Request for Deletion I am writing to formally dispute Inaccurate, Incomplete, and/or Unverifiable Fraudulent Information on My Credit Report ( s ) under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

They are Violating My Rights. ( FCRA ) ( 15 U.S.C. 1681 and following ) ( FCRA ) 605 ( b ) ( 15 U.S.C. 1681c-2 ), ( 15 U.S.C. 1681E ( b ), ( 15 U.S.C. 1681-7 ) Account Name : PINNACLE FINANCE Account Number # XXXX Reported Balance CHARGE OFF {$2000.00} I WANT THIS ACCOUNT DELETED from All 3 Major Credit Bureaus and My Credit Report Immediately . I filed Police Reports and more.

I filed Disputes with XXXX XXXX XXXX but they have done Nothing At All repeatedly for years. 

* * * The Account Doesn't show and Open Date and has 2 Different Delinquency Dates.

I DON'T OOWN THIS ACCOUNT. IT'S A PRODUCT OOF IDENTITY THEFT that was Reported Multiple Times over the last 4 Years or longer. * * * PINNACLE FINANCE admitted that they bought the Fraud Debt from some Company, that bought the Debt from another Company that went Door 2 Door Pretending to be XXXX XXXX XXXX and stole My Identity. 
I called XXXX and they have NO IDEA who the companies are and they informed Me that they Don't Charge {$3000.00} for Security Systems. 
XXXX charge {$0.00} for Equipment Devices which are Free with Service and Always have been.

MY IDENTITY WAS STOLEN AND USED TO TAKE OUT A {$3000.00} LOAN. 
I was paying the Loan because I was Under the Impression that I was paying for XXXX XXXX XXXX XXXX Service and I didn't find out that I have been SCAMMED until I called to Cancel XXXX XXXX XXXX and I asked them about the Remaining Balance of {$2000.00}. 
XXXX informed Me that I HAVE A {$0.00} XXXX BALANCE AND THAT I NEVER OWED THEM {$3000.00} AND TOO IMMEDIATELY FILE A POLICE REPORT AND STOP PAYMENT TO PINNACLE FINANCE.

I PROVIDED PINNACLE FINANCE WITH THE PAPERWORK THAT XXXX PROVIDED THAT SHOW THAT I NEVER TOOK OUT A {$3000.00} HOME LOAN AND MY SECURITY SYSTEM IS FREE WITH SERVICE. 

I'VE BEEN DISPUTING THIS FRAUDULENT ACCOUNT IN ALL 3 CREDIT REPORTS ( XXXX XXXX XXXX XXXX ) SINCE XXXX when I was informed about it. 

Now the credit Agencies won't let me dispute the account anymore or provide them Proof of the Results from the Company. They are basically tired of me fighting to have this account Removed. They have Blocked Me. 
They are Violating My Rights. ( FCRA ) ( 15 U.S.C. 1681 and following ) ( FCRA ) 605 ( b ) ( 15 U.S.C. 1681c-2 ) They are about too have me join the Lawsuit against them if they don't stop Reporting False Information about me and Delete this FRAUD ACCOUNT. 

I don't have a Contract with PINNACLE FINANCE and Never Did.

I have been disputing them for 4 years with No Results from the 3 major Credit Bureaus.

Account name PINNACLE FINANCE Account Number # XXXX Reported Balance CHARGE OFF {$2000.00} PINNACLE FINANCE is Reporting Negatively on ALL 3 CREDIT REPORTS XXXX XXXX XXXX 

It is Preventing Me from Future Financing and Reporting Negatively soon My Secret Security Clearance. 

Please Delete. 

Thank you!

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