Consumer complaint received 2026-01-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PINNACLE FINANCIAL PARTNERS, INC.
State: MA

Complaint narrative:
Furnisher/Creditor : 1st Progress Card Services/ XXXX/ XXXX  Account Name as Reported : XXXX Account Type : Credit Card Responsibility : Individual Account Number : XXXX Date Opened : XX/XX/XXXX Reported Status : Paid, Closed Reported Write-Off : {$110.00} Written Off Status Last Updated : XX/XX/XXXX Complaint Summary I am formally disputing the accuracy, completeness, and legal validity of the above-referenced tradeline. 

This complaint constitutes my first formal demand for documentary proof supporting the continued reporting of this account. I have never previously requested, nor been provided, the records necessary to substantiate the reported status. 

The tradeline is reported as Paid, Closed while simultaneously indicating {$110.00} written off. This reporting is internally inconsistent and misleading unless the furnisher can demonstrate how a write-off occurred on an account that is also reported as paid.

Specific Demands for Documentation ( First Formal Request ) I now demand that the furnisher produce the following documentation within the CFPB investigation period : XXXX. Full Accounting XXXX XXXX complete transactional accounting ledger from account opening through closure All debits, credits, payments, fees, adjustments, reversals, and write-downs Reconciliation explaining how the {$110.00} write-off was calculated XXXX. Payment, Closure, and Write-Off Reconciliation Proof of all payments or settlements leading to the account being marked Paid Documentation explaining how a write-off occurred if the account was paid Evidence showing whether the alleged write-off represented an actual loss or a bookkeeping adjustment XXXX. Write-Off Authorization & Loss Recognition Internal records authorizing the {$110.00} write-off Evidence of whether an economic loss was claimed or recognized Documentation showing whether the receivable was : Written off Reversed Derecognized Sold or transferred XXXX. Chain of Title & Ownership Proof establishing uninterrupted chain of title from origination through closure Disclosure of any assignment, transfer, or third-party interest Identification of the current legal owner, if applicable XXXX. Servicing and Reporting Authority Proof that 1st Progress Card Services retains legal authority to report this account Documentation showing TSYSs role and reporting authority, if applicable XXXX. Double Recovery & Accuracy Safeguards Proof that no double recovery occurred through : Payment Write-off recognition Sale or transfer Continued reporting A paid account can not simultaneously support a write-off entry absent clear accounting and ownership proof. 



XXXX. Contract & Signature Validity Proof of a valid, enforceable agreement relied upon for reporting Disclosure that electronic acceptance alone does not establish reporting authority without supporting records Reporting Dispute Absent production of the above documentation, the furnisher can not lawfully continue reporting this tradeline in its current form. 

Reporting a tradeline as Paid, Closed while also indicating a write-off without substantiating documentation constitutes inaccurate, misleading, and unverified credit reporting.This complaint places the furnisher on notice that continued reporting without reconciliation of the paid status and write-off is inaccurate and misleading. 

I respectfully request CFPB intervention to compel compliance and prevent further consumer harm.

Company response to consumer: Closed with explanation