Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: GA

Complaint narrative:
On XX/XX/year>, within the XXXXday validation window provided under 15 U.S.C. XXXXg, I sent Cavalry Portfolio Services a formal debt validation request via XXXX certified mail regarding account XX/XX/XXXXXXXX ( Original Creditor : Bank XXXX XXXX, original account ending XXXX ). In that request, I specifically asked for the following documentation pursuant to FDCPA XXXX Sec. XXXX ( b ) : The original signed agreement or contract that created the debt Full itemization of the current amount claimed The date the alleged debt became payable The date of original charge-off or delinquency Verification that the debt was assigned or sold to Cavalry Complete accounting and chain of ownership of the alleged debt Cavalry 's response consisted of a single account statement. It did not include the original signed agreement, did not include verification of assignment from the original creditor, did not include a chain of ownership establishing Cavalry 's authority to collect, and did not include a full itemization of the current claimed amount. The response did not address the majority of the items I specifically requested. On XX/XX/year>, I sent a follow-up letter via certified mail notifying Cavalry that their response did not satisfy the validation requirements of the FDCPA, restated the original list of documentation required, and demanded deletion of the tradeline from XX/XX/XXXX, andXX/XX/XXXXwithin XX/XX/XXXX days. In both letters I requested that all future communication be conducted in writing via mail or email. Cavalry did not respond to myXX/XX/XXXX letter, did not provide the additional documentation, and did not delete the tradeline. The account continues to report to allXX/XX/XXXX credit bureaus. Separately, Cavalry 's online portal presented a settlement offer of {$260.00} on XX/XX/year> to resolve the account, with the portal explicitly stating in writing : " Per Cavalry policy, if you pay your account in full or resolve the account for less than the full balance, we will request a deletion of our tradeline on or aboutXX/XX/XXXX days from the date the final payment is posted to the account. '' This is Cavalry 's own stated deletion policy upon settlement. I responded through the portal on XX/XX/year> asking for written confirmation of the offer to my email before processing payment. Cavalry replied through the portal directing me to call ( XXXX ) XXXX or use live chat, rather than providing the written confirmation I requested. I stated in writing that I preferred written communication, and Cavalry 's own portal was the written channel they had established for this negotiation. I did not admit to ownership of the debt via aforementioned portal. I simply utilized portal as option to review settlement options to remove the alleged debt from my credit reports. Their refusal to provide written confirmation through the same portal they used to extend the offer effectively blocked me from resolving the account on the terms they themselves had offered. To summarize : Cavalry did not provide the documentation required under FDCPA XXXX ( b ), did not respond meaningfully to my XX/XX/XXXXwritten notice, continues to furnish this tradeline to all tXX/XX/XXXX credit bureaus despite the incomplete validation, and refused to honor their own portal-based settlement offer in writing instead demanding a phone-based process while I had requested written communication. I am requesting that Cavalry honor their own stated deletion policy by deleting this tradeline from allXX/XX/XXXXcredit bureaus ( XX/XX/XXXX), given their documented failure to provide complete validation as required by federal law and their refusal to complete the settlement they themselves offered through written channels.

Company response to consumer: Closed with explanation