Consumer complaint received 2019-12-31
Company: CAVALRY INVESTMENTS, LLC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX I paid for and downloaded my credit reports from ( XXXX, XXXX, and XXXX ) and noticed that I have an alleged collection being reported by a company named Cavalry Portfolio Services ( each with incomplete and inaccurate account numbers ). I sent notices of dispute on XX/XX/XXXX, but I am dissatisfied with the remarks placed on my credit reports ( XX/XX/XXXX ) that this account " meets FCRA requirements ''. The account listed on my XXXX  report is named XXXX XXXX Bank, but upon further review and the matching up of the original balances, opened dates, and address ', I have come to the conclusion that this alleged derogatory account is being reported by Cavalry Portfolio Services as well. Although XXXX XXXX  is listed as the original creditor per my XXXX  and XXXX  reports, I have never been notified by either of these institutions of this alleged debt nor have I ever been notified by these two institutions that they were going to OR have ever placed derogatory items on my credit files under my Social Security number. These actions are in complete VIOLATION of my consumer rights and illegal per FCRA 623 ( a ) ( 7 ) ( b ) ( i ), After closely examining my credit reports, a balance and an Original Balance of {$710.00} were reported to all 3 major credit  bureaus on said Date Opened " XX/XX/XXXX ( XXXX ),  XX/XX/XXXX ( XXXX  ), and XX/XX/XXXX ( XXXX  ) ''. Then upon further review I realized that in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ( 7 months after original balance of {$710.00} reported ), the reported balance reported was listed as {$720.00} in those 3 months ( based upon a 24 month balance history ). If the date opened is in the month of XXXX of XXXX and the original balance is {$710.00}, then how can {$720.00} be reported for those 3 months alone -then resume as the stated original balance of {$710.00} for the months of XX/XX/XXXX and forward. I've never contacted nor have I ever been contacted by anyone about this alleged, erroneous, fraudulent debt and never have I paid this company Cavalry Portfolio Services {$1.00}. I fully believe that this may have been an unlawful tactic to re-age this alleged debt in order to extend this alleged debt 's ORIGINAL statute of limitations beyond the state of South Carolina 's medical and credit card statute of limitations to further damage my credit file! I hereby refuse to accept the allegations and repercussions of this incorrect and inaccurate account associated with my Social Security number without any signed law binding contractual obligation between myself AND Cavalry Portfolio Services!

( see attached documents of credit reports ) Let me add that upon trying to submit this complaint, It wouldn't accept the name of the business as Cavalry Portfolio Services, but I was able to find that they also go by Cavalry Investments , LLC.

( provided 2 attachments as proof from the South Carolina 's Secretary of State Business Name Search ) *6 total attached documents*

Company response to consumer: Closed with non-monetary relief