Consumer complaint received 2022-07-12
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAVALRY INVESTMENTS, LLC (VA)

In response to CFPB complaint # : XXXX My name is XXXX XXXX , a federally protected consumer, and I am making this complaint against Cavalry Portfolio Services , LLC for violating my cease and desist notice they received on XX/XX/XXXX and for continuing to invade my individual privacy by committing abusive, deceptive, and unfair debt collection practices. I have attached the following to this complaint. 
- Debt validation letter - Cease and desist notice - Exhibit A ( copy of accounts reporting on my XXXX  consumer report ) - Exhibit B ( copy of their response to CFPB complaint # XXXX ) - Exhibit C ( Cavalry Portfolio Services llc XXXX  Profile ) In their response Cavalry Portfolio Services , LLC stated Cavalry sent XXXX XXXX the notice required under 15 U.S.C. 1692g which requires that consumers be provided notice of their rights. The notice was not returned to Cavalry as undeliverable and Cavalry did not receive a dispute or validation request from XXXX XXXX during the thirty-day validation period. 
I want to know how did they send this notice, name of carrier service, date and time of my signed receipt of delivery and the name of the person delivering this notice to validate they actually sent it to me and provide proof of me receiving their notice to lawfully validate this alleged debt. Also, there is no statute on fraud since I never contracted with them and they have no legal premise to have my personal and private identifying information without my explicit written consent. 
By me not disputing this alleged debt previously shall not be construed as admission of liability. It is my unequivocal belief that Cavalry Portfolio Services , llc are attempting unlawful extortionate activities and theft by deception by attempting to furnish false and deceptive information. 
In their response Cavalry Portfolio Services , LLC stated By way of background, on or about XX/XX/XXXX, the underlying account was opened with XXXX XXXX. ( XXXX ). The account was branded as an AAdvantage consumer credit card account. On or about XX/XX/XXXX, the account was charged off. On or about XX/XX/XXXX, a Cavalry affiliate acquired XXXX XXXX account from XXXX. 
What is this background they used to find my personal identifying information without my explicit written consent, I need to know who else had access to my personal identifying information without my explicit written consent, name of the firm or individual and their affiliation with Cavalry Portfolio Services , llc. Was my personal identifying information obtained via any trade whether monetary or not, what was the form or amount of this trade to obtain my personal and private infromation without my explicit written consent, what is the name, title, affiliation of the person or entity providing Cavalry Portfolio Services , llc with my personal identifying information without my explicit written consent. What is the name of the Cavalry affiliate that acquired my personal identifying information without my explicit written consent. 
Cavalry Portfolio Services , llc by using my personal identifying information without my explicit written consent to extort me into paying them an alleged debt they claim I owed them even though as of today XX/XX/XXXX Cavalry Portfolio Services , llc hadnt furnished proof as in a contract I signed with them that states I owe them money nor did they furnish proof of a trilateral contract signed by myself that grants Cavalry Portfolio Services , llc the right to collect on this alleged debt, nor do they have my written authorization or consent for them to use my private identifying information and threatening to damage my reputation in public is an act of extortion. Extortion is a federal offense when it interferes with interstate commerce. It is punishable by a fine, imprisonment, or both. 
All extortion statutes require that a threat must be made to the person or property of the victim. A threat to harm a person in his/her career or reputation is also extortion. 
A violation of the Racketeer Influenced and Corrupt Organization ( RICO ) Act occurs when a person, in connection with an enterprise, engages in a pattern of racketeering activity, such as Extortion. 
By searching the XXXX  database ( Exhibit D ) it states 202 complaints have been lodged against Cavalry Portfolio Services , llc in the past three years which leads to the fact that I am NOT the only victim of Cavalrys pattern of extortionate activities. 
A RICO violation requires proof of a pattern of racketeering activity, through at least two acts of racketeering activity, the last of which occurred within ten years. 18 U.S.C. 1961 ( 5 ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX, XXXX ( E.D.N.Y. XXXX ). Courts generally construe RICO liberally in order to effectuate its remedial purposes. In order to establish a pattern, the plaintiff should prove a relationship between the acts of racketeering activity charged and a threat of continuing activity, or continuity of such activity. In other words, continuity plus relationship produces a pattern of racketeering activity. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX ( U.S. XXXX ). The term pattern thus requires at least two acts of racketeering activity within a 10-year period. 18 U.S.C.S. XXXX ( XXXX ). 

Source : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

If Cavalry Portfolio Services , llc can not provide me with proof such as a signed receipt of registered mail or a tracking number of a courier service with my signature confirming my receipt that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I demand Cavalry Portfolio Services , llc immediately cease their extortionate and deceptive activities against my financial reputation by immediately removing any and all information they reported to any and all consumer reporting agencies.