Consumer complaint received 2017-05-27
Company: CAVALRY INVESTMENTS, LLC
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On  XX/XX/2017   , I n oticed that CALVARY PORTFOLIO SERVICES, LLC was reporting to all   XXXX    credit bureaus that I owed {$2700.00}. I sent them the following certified letter :   XX/XX/2017      XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX , MN  XXXX  Calvary Portfolio  Services   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX , NY  XXXX  Re : Acct #     XXXX     To Whom It May Concern : This letter is regarding account #  XXXX  ,  which you claim I owe $  XXXX .This is a formal notice that your claim is disputed.   I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.   Please also be aware that any negative mark found on my credit reports ( including   XXXX ,  XXXX   XXXX   XXXX    )  from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.   Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.   Failure to respond within  30  days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.   My contact information is as follows :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX ,  XXXX , MN  XXXX   XXXX  P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : Cc : Consumer Financial Protection Bureau  Cc  : Attorney Generals Office Cc :  Better Business Bureau CALVARY PORTFOLIO SERVICES, LLC respo nded on   XX/XX/2017  s  ta ting they received my letter of dispute and have marked it as disputed with all  XXXX  credit bureaus. They also sent a copy of a credit card statement as " proof '' that I owed them the amount listed.  <P/> I went further and sent via certified mail the following letter on   XX/XX/2017  :    XX/XX/2017      XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX ,  XXXX , MN  XXXX  Calvary Portfolio Services  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX , NY  XXXX   XXXX  : Acct #  XXXX  To Whom I t May C oncern : This letter is in response to your recent claim regarding account #  XXXX , which you claim I owe {$2700.00}.   Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately.   Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested.   Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature.   As per FTC opinion letter from Attorney  XXXX   XXXX   XXXX , you should be aware that a printout of a bill or itemized document does not constitute verification.   I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.   Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting.   I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance.   Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally defend yourself. My contact information is as follows :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX ,  XXXX , MN  XXXX   XXXX  CALVARY PORTFOLIO SERVICES, LLC again responded with the same letter and several additional credit card statements, stating that I owe {$2700.00}, while reporting to the credit bureaus that the balance owed is {$2700.00}.  <P/> According to the FAIR DEBT COLLECTION PRACTICES ACT and the FAIR CREDIT REPORTING ACT, CALVARY PORTFOLIO  SERVICES, LLC  has  twice  failed to provide sufficient proof, bearing my signature stating that I have a contractual agreement to pay them what they claim I owe. Copies of credit card statements from a different company are not sufficient evidence that I owe any amount to CALVARY PORTFOLIO SERVICES,  LLC .

Company response to consumer: Closed with explanation