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 that this activity is in fact illegal as "re-aging" an old debt breaks the Fair Credit Reporting Act. I have filed a complaint with the Federal Trade Commission, as well as with the BBB. I have also written Equifax asking they remove the 90 day late and complete removal of account come December, as the account will have reached the Statute of Limitations. When I call Pinnacle, they refer me to the Law Office of Lawrence Hecker who has a very rude collector answer his phone. What a nightmare.