Consumer complaint received 2022-05-04
Company: CAVALRY INVESTMENTS, LLC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On or around XX/XX/XXXX and subsequently on or around XX/XX/XXXX a Potentially Negative - Major Derogatory information was found on my credit report as reported to XXXX  and XXXX. The reported details are as follows : Source XXXX Alert Date XX/XX/2022 Balance Amount {$1300.00} Is Collection YES Open Date XX/XX/2022 Payment Status UNPAID ( D ) Status Date XX/XX/2022 Name XXXX XXXX XXXX Street Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY Zip XXXX Source XXXX Alert Date XX/XX/2022 Balance Amount {$1300.00} Is Collection YES Open Date XX/XX/2022 Payment Status XXXX XXXX XXXX XXXX XXXX  ) Status Date XX/XX/2022 Business Type YC I do not have any responsibility for the debt Calvary Portfolio Services ( Calvary ) is trying to collect.

If Calvary has good reason to believe that I am responsible for this debt, I request that they forward, as soon as possible, the documents that make them believe that. Specifically, I request the following information to be provided : Why Calvary thinks I owe the debt and to whom I owe it, including : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. 

If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When Calvary identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. 

Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can Calvary provide a copy of the written agreement that created my original requirement to pay?

If Calvary is asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I am required to pay.

The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor.

State the amount of the debt when Calvary obtained it, and when that was. 

If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. 

If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them. 

If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount Calvary is trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law. 

Tell me when the creditor claims this debt became due and when it became delinquent. 

Identify the date of the last payment made on this account. 

Has Calvary made a determination that this debt is within the statute of limitations applicable to it? Tell me when Calvary think the statute of limitations expires for this debt, and how Calvary determined that.

Details about Calvary r authority to collect this debt.

I would like more information about Calvarys firm before I discuss the debt with Calvary. Does Calvarys firm have a debt collection license from my state? If not, say why not. If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. 

If Calvary is contacting me from a place outside my state, does Calvarys firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. 

I have asked for this information because I need to hear from Calvary to make an informed decision about Calvarys claim that I owe this money. In order to make sure that I am not put at any disadvantage, I urgently request that Calvary record that I dispute having any obligation for this debt, and also report to all three credit reporting bureaus ( XXXX, XXXX, XXXX ) that the debt is disputed, or otherwise have it removed from my credit reports immediately. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation