Consumer complaint received 2023-07-10
Company: CAVALRY INVESTMENTS, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to formally request that Cavalry Portfolio Services validate the alleged debt associated with this account or provide sufficient evidence of a trilateral contract connecting me to the debt within XXXX business days of receiving this letter. If you fail to comply with this request, I will have no choice but to pursue legal remedies, including filing for arbitration, for potential violations such as identity theft. 

Furthermore, I demand that Cavalry Portfolio Services cease and desist all communication with me, both written and verbal, regarding the alleged debt, except as required by law. Please consider this letter as a formal notice to cease and desist any further contact with me, my family members, my workplace, or any other third party related to this matter. Failure to comply with this request may result in legal consequences for Cavalry Portfolio Services under the provisions of the Fair Debt Collection Practices Act ( FDCPA ). 

As a responsible consumer, I believe it is my right to ensure the accuracy and legitimacy of any debt claimed against me. Under the FDCPA, I am entitled to request validation of the debt within a reasonable timeframe. Failure to comply with this request may result in legal consequences for Cavalry Portfolio Services. 

I request the following information to validate the alleged debt : XXXX. The original creditor 's name and address. 
XXXX. The account number associated with the alleged debt. 
XXXX. Detailed information regarding the nature and origin of the debt. 
XXXX. Verification that Cavalry Portfolio Services is licensed to collect debts in my state. 
XXXX. Any agreements, contracts, or other documentation that demonstrate my contractual obligation to Cavalry Portfolio Services. 

Please be aware that my request for debt validation is not an acknowledgment of any liability for the alleged debt. I am merely exercising my rights as a consumer under the FDCPA. It is crucial that you provide me with the requested information to substantiate your claim. 

Furthermore, if you fail to validate the debt or provide evidence of a valid contractual relationship within the specified time frame, I demand that Cavalry Portfolio Services remove this account from my consumer report immediately. Inaccurate or unverifiable information on my consumer report is a violation of the Fair Credit Reporting Act ( FCRA ) and may result in further legal action.

I expect that Cavalry Portfolio Services will handle this matter promptly and in compliance with all applicable laws and regulations. Failure to do so will leave me with no alternative but to escalate this issue further. 

Please provide all correspondence and documentation related to this debt validation request in writing to the address listed above. Any phone calls regarding this matter will not be considered as a sufficient response. I anticipate your timely cooperation in resolving this matter. 

Thank you for your attention to this request. I expect a prompt response within four business days from the date of receipt of this letter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation