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TrishaB

Removed item reinserted 2 years later - Pinnacle LLC

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Here's some fun reading about what just happened.

 

Back in March of 2014 I worked a deal over the phone *gasp* with this 'agent' from a 'law firm' that was really just cleverly disguised as Pinnacle Credit, LLC (now Resurgent). Anywho, this 'gentleman' assured me that if I paid $300 of the $495 I owed to Verizon Wireless they would wipe it from my reports.

 

Which I did, and they did. For TWO years.

 

Fast forward to today. I app'd for an increase with NFCU because my water line busted at my house and I had to pay 2200$ for a new line. The app was declined (no biggie, I really already had sufficient credit, but I WANTED a higher limit). The decline letter arrived 7 days later, says "serious delinquency" as ONE of the reasons for the decline. The hairs on the back of my neck stood up. I *had* ZERO negatives on all three reports. I rushed to request free reports (because of being declined) and learned that these a-holes (Pinnacle Credit) are now reporting on TU and EQ!!! I was furious.

 

In my haste, I (not too smartly) called Pinnacle, who said "fax this 'agreement' in writing". I then came to my senses, and disputed it on TU and EQ. No way am I faxing jack chocolate. They will, however, be sending ME the info. they have.

 

I wish there was a law (*crossing fingers here*) that once a CRA takes a negative OFF of your report they are not allowed to REINSERT it at a later date.

 

I am hopeful, but the knowledge I learned here (really rusty now) has me thinking I might be fighting this for the long haul.

 

FWIW, this is showing as a 'paid in full' on TU, and 'paid collection, less than full amt' on EQ. The DOFD is 06/2011. It's set to fall off 05/2018. Is it worth me being frenzied and upset about? It's one negative. I have a house, I have a car, no reason to suspect I'll need an exorbitant amount of new credit anywhere in the near future. I'm just more pissed off than anything. I *should have* gotten it in writing from them that they would remove and not reinsert after payment of that $300. But, of course, hindsight's 20/20.

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The FCRA governs the reinsertion of previously disputed and deleted/removed items from the CRA. It's possible it might be applicable to you.

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What is the information stated on your CR?

is it for the $495, the $300 or the $195, which is the difference between the original and the settled amount?

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While mine was not a paid collection, I had a similar recent event.

 

Pinnacle was trying to collect an old Verizon debt. It was outside SOL but still within the 7-year reporting window. After fighting them for a year, one day it just dropped off all my reports. Last month it came back as a 'paid collection' on TU. it was only on TU this time after having been on all three originally. My score dropped 37 points. I disputed it with TU and it dropped off 16 days after my dispute was submitted.

 

Yes, I was angry, but I would have been a lot angrier had I actually paid them like you did.

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What is the information stated on your CR?

is it for the $495, the $300 or the $195, which is the difference between the original and the settled amount?

It's stated as 'paid in full' 0$.

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While mine was not a paid collection, I had a similar recent event.

 

Pinnacle was trying to collect an old Verizon debt. It was outside SOL but still within the 7-year reporting window. After fighting them for a year, one day it just dropped off all my reports. Last month it came back as a 'paid collection' on TU. it was only on TU this time after having been on all three originally. My score dropped 37 points. I disputed it with TU and it dropped off 16 days after my dispute was submitted.

 

Yes, I was angry, but I would have been a lot angrier had I actually paid them like you did.

I disputed too, I wish I would have disputed and NOT called them. I was too hasty. If they don't disappear after this dispute, I'm going to go the FCRA route w/ the 5 days notification upon reinsertion (they never notified me that they were reinserting a previously deleted tradeline).

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The FCRA governs the reinsertion of previously disputed and deleted/removed items from the CRA. It's possible it might be applicable to you.

Thanks MarvBear. I am hoping this applies to my case as well. While I don't know if this applies to only previously "disputed" items that were removed, or tradelines that were removed by the CA. In either case, Chocolate Goodness business because we had a verbal agreement that if I paid the $300 they would remove it, and they did for 2 years, until Resurgant picked up Pinnacle and now they reinsert an old paid off debt onto my TU and EQ. It simply makes no sense for them to do so.

 

Another thing, I noticed my old old old address (that I had previously removed from all 3 reports) now shows up on my TU and EQ :angry: I'm sure they'll try to use this address as a feeble attempt to 'validate' the damn debt. I'm off to search threads for example 'reinsertion' letters, and freeze all three reports along with Lexus Nexus and all those other dang places I can't even remember.

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The FCRA governs the reinsertion of previously disputed and deleted/removed items from the CRA. It's possible it might be applicable to you.

Thanks MarvBear. I am hoping this applies to my case as well. While I don't know if this applies to only previously "disputed" items that were removed, or tradelines that were removed by the CA. In either case, Chocolate Goodness business because we had a verbal agreement that if I paid the $300 they would remove it, and they did for 2 years, until Resurgant picked up Pinnacle and now they reinsert an old paid off debt onto my TU and EQ. It simply makes no sense for them to do so.

 

Another thing, I noticed my old old old address (that I had previously removed from all 3 reports) now shows up on my TU and EQ :angry: I'm sure they'll try to use this address as a feeble attempt to 'validate' the damn debt. I'm off to search threads for example 'reinsertion' letters, and freeze all three reports along with Lexus Nexus and all those other dang places I can't even remember.

 

 

 

Dispute the old addresses before you do anything else, in case this re-insert is tied to that old address.

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The FCRA governs the reinsertion of previously disputed and deleted/removed items from the CRA. It's possible it might be applicable to you.

Thanks MarvBear. I am hoping this applies to my case as well. While I don't know if this applies to only previously "disputed" items that were removed, or tradelines that were removed by the CA. In either case, Chocolate Goodness business because we had a verbal agreement that if I paid the $300 they would remove it, and they did for 2 years, until Resurgant picked up Pinnacle and now they reinsert an old paid off debt onto my TU and EQ. It simply makes no sense for them to do so.

 

Another thing, I noticed my old old old address (that I had previously removed from all 3 reports) now shows up on my TU and EQ :angry: I'm sure they'll try to use this address as a feeble attempt to 'validate' the damn debt. I'm off to search threads for example 'reinsertion' letters, and freeze all three reports along with Lexus Nexus and all those other dang places I can't even remember.

 

 

 

Dispute the old addresses before you do anything else, in case this re-insert is tied to that old address.

 

Thanks, I'm going to. Now I have to go track down how I did that before. UGH.

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Make sure you read up on the FCRA to you don't step on your own feet. It is only a reinsertion if you have previously disputed and recieved the reinvestigations results letter from that particular CRA that stated the item was deleted. If you saved the deletion letter the CRA sent you, and they never adhered to the reinsertion 5 day rule, then you are golden.

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This is effing ticking me off guys! I just back door'd EQ and yay they removed the negative from Pinnacle, and INSERTED ANOTHER ONE from an old apartment from wayyyyyyyyyy back that was paid off and the debt collector agreed to take off my report (and did) and now it's back ON my report as a PAID collection Zero balance. WTF is going on here?

 

I went and opted out Again. (I had to opt back in when I bought my house because my insurer couldn't add the house insurance or something like that). I am at a loss as to why these old flowers creditors are adding chocolate back on my report after I made PFD agreements with them? The second reinsertion hasn't even sold to a new company just added the chocolate back on there. I am soooo mad. OK, thanks for letting me rant here, at least I didn't make any dumb moves this time like calling the creditor (UGH). I disputed on EQ as "other" and wrote in "previously deleted item, didn't get 5 day reinsertion notice, please delete" or something to that affect.

 

I feel like I should just freeze all three and be done with it, although that's not going to do me any good. My hard work paying down all this debt for removing is biting me in the flowers big time. Or at least it feels that way with my now tanking scores. Thank God I already bought my house and am not in the market for a new car or anything. I just hope my credit card company's don't get freaked out and start raising my interest rates due to "bad credit" or some such smarthy bs.

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Good news all, all three (EQ, EX, and TU) removed Pinnacle / Resurrgent. I should note that I disputed online, then sent a CMRRR to all three with the 611 rule (reinsertion, no notification). That was fast.

 

I disputed the reinsertion of PDM on my EQ, so far that's not showing on the other two. I also disputed an old address, hoping to get it removed.

 

I actually had to call TU to get the status of the above dispute because it looks like I might be locked out of going online? Also, EQ and EX put a fraud alert on my profile without my request (???).

 

Credit fun, and here I thought I was on easy street after a green report for the past almost 2 years.

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I had an entry from Pinnacle that I disputed. They came off all three CRAs, then inserted another TL with all the same information except account number. They are snakes. Congrats on getting rid of them again.

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Good news all, all three (EQ, EX, and TU) removed Pinnacle / Resurrgent. I should note that I disputed online, then sent a CMRRR to all three with the 611 rule (reinsertion, no notification). That was fast.

 

I disputed the reinsertion of PDM on my EQ, so far that's not showing on the other two. I also disputed an old address, hoping to get it removed.

 

I actually had to call TU to get the status of the above dispute because it looks like I might be locked out of going online? Also, EQ and EX put a fraud alert on my profile without my request (???).

 

Credit fun, and here I thought I was on easy street after a green report for the past almost 2 years.

 

This does not surprise me, with all of the communication you've had with the CRAs lately, I can definitely see them putting the fraud alert on your profile due to the type of communication you've had with them.

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