Consumer complaint received 2015-11-10
Company: CAVALRY INVESTMENTS, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I requested written investigation/verification of an alleged debt, Lates/CO under the FCBA & FDCPA I requested written investigation/verification of an alleged Lates/CO under the FCBA from Cavalry Portfolio Services DEBT BUYER that " Cavalry Portfolio Services '' claim I owe, but to no avail did they investigate/verify the alleged debt or even alleged late pays/charge off on specific dates. 

I requested a investigation/verification of this alleged debt & lates from " Cavalry Portfolio Services ''. I have yet to receive a response - their silence is their agreement to the facts. " Cavalry Portfolio Services '' failed to provide me with a legal verification/validation of this account under the rules of evidence and the FDCPA within 30 days 809. Validation of debts. Yes, in the state of TX a creditor that collects its on debt is covered under the TDCPA.I am demanding that " Cavalry Portfolio Services '' delete this account/derogatory information from all credit reporting agencies ( XXXX, XXXX, XXXX ), because they have not abided by the laws of the Federal Trade Commission, FCBA, FCRA, TDCPA. a.When notified of a dispute about information furnished to a CRA, 1681s-2 ( b ) obligates a person to conduct an investigation and report the results to the CRA. 15 U.S.C. 1681s-2 ( b ) ( 1 ). The XXXX XXXX has held that investigation must be a reasonable XXXX " to determine whether the disputed information can be verified. '' XXXX v. XXXX XXXX XXXX XXXX, XXXX ( XXXX Cir. XXXX ) .b.As the court noted in XXXX XXXX XXXX XXXX XXXX XXXX. XXXX JMR/FLN, 2007 XXXX ( XXXX XXXX XXXX ), " the majority of courts considering the question have drawn upon defamation 's traditional 'multiple-publications rule '. Under this rule, each publication of the same falsehood by the same defamer is a separate cause of action, thus starting the limitations clock anew. '' ( citing Restatement ( XXXX ) of XXXX XXXX ( 1 ). In the FCRA context, this means each transmission of an erroneous credit information is a separate FCRA violation. Cavalry Portfolio Services did n't answer the following that I asked for below and signed contract agreement : *A copy of the original signed credit application showing the terms of the agreement. *A summary of all account activities, including all payments made, late charges, interest, date of payments received, date of payments posted, charges made, and date of charges posted. *Copies of all documents and financial instruments used to pay the disputed late payments. *Copies of all charge slips, invoices, promissory notes, and all other documents proving indebtedness. *Copies of all documents sent to me regarding my account. *Please provide proof that the alleged account was in fact late and that you have taken the necessary steps to properly investigate your allegations. *Please provide proof of receipt of payment to Cavalry Portfolio Services XXXX and Cavalry Portfolio Services policies for investigating this type of dispute. *Please also provide the required employee handbook sections that describe your company 's methods when dealing with lost or misapplied payments, computer glitches ( down time ) for manual payments, Cavalry Portfolio Services methods when dealing with lost or misapplied payments and the internal procedures for review and investigation of misapplied payments.

Company response to consumer: Closed with non-monetary relief