Pinnacle apparently acquired an old debt (they say the original creditor was CitiBank) that is attached to my social security number. (The validity of the account is still in question). The date of the first delinquency is noted as 12/2002, making this account 6 years and 10 months old and will be eligible for complete removal from my credit report once it reaches seven years old. Pinnacle, however, marked the account as new in July of 2009 and falsely reported a 90 day late as of September 2009! I verified with the Federal Trade Commission... read full review »