Consumer complaint received 2025-06-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC
State: MA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Date : XX/XX/XXXX To : Cavalry Portfolio Services , LLC XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX RE : Response to Inadequate Debt Validation Account No. XXXX To Whom It May Concern : This letter serves as a formal rebuttal to your correspondence dated XX/XX/XXXX, regarding the alleged debt with Department XXXX XXXX XXXX  ( XXXX  ) and the actions taken by Cavalry Portfolio Services , LLC ( Cavalry ) and its legal affiliates. Your response is wholly insufficient under both Massachusetts General Law and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and contains serious procedural and legal deficiencies that I intend to bring to the attention of the appropriate oversight bodies, including the Massachusetts Attorney Generals Office and the Consumer Financial Protection Bureau ( CFPB ). 

I. You Have Not Validated This Debt Only Asserted It Your response relies on procedural technicalities rather than substantive evidence. Merely stating : Customer opened an account on or about XX/XX/XXXX, and it was charged off in XXXX  is not a legally sufficient validation of debt under 15 U.S.C. 1692g ( b ). Courts have consistently held that to validate a debt, collectors must provide documentation that proves : 1. The debt exists and is still owed ; 2. The debt is owed by the consumer in question ; 3. The collector has a legal right to collect it ; 4. The breakdown of charges, fees, and interest that make up the alleged balance.

You have provided none of these. What youve provided is hearsay, which would not even meet the evidentiary standard of G.L. c. 233, 78 for business records unless the original documents are available for inspection.

II. Massachusetts Consumers Have Stronger Protections Under Massachusetts General Law Chapter 93 49, debt collection is strictly regulated. Any attempt to collect a debt without providing full, clear, and accurate documentation is considered unfair and deceptive, which also violates Chapter 93A, the Massachusetts Consumer Protection Act.

You have failed to provide : A signed agreement or contract allegedly entered into by me ; A breakdown of how the {$700.00} judgment was calculated ; Evidence that Cavalry has legal standing to collect the debt, not just own it ; Copies of any notices allegedly sent under 15 U.S.C. 1692g that prove actual delivery.

III. Claiming I Did Not Dispute Timely Is Not a Legal Shield You state that I failed to dispute within the 30-day period after notice. This is misleading and irrelevant. The FDCPA requires collectors to cease collection until validation is provided, even after the 30-day period, if a dispute is made at any time and collection continues.

Furthermore, failure to return mail as undeliverable does not prove notice was received. Courts have ruled repeatedly that constructive notice is not actual notice, especially when used to justify debt enforcement. 

IV. Legal Judgment Debt Validation You reference a XX/XX/XXXX judgment. Be aware that judgment does not negate my right to dispute the validity of your reporting to credit agencies, especially where you are the reporting party, not the court. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, Cavalry is still required to : Report accurate, fully substantiated information ; Conduct reasonable investigations upon dispute ; Provide documentation supporting the accuracy of the tradeline. 

Since you can not or will not provide the alleged signed contract or a detailed breakdown of the account history, your reporting remains factually unsupported and potentially unlawful under the FCRA. 

V. Demand for Immediate Action You are hereby formally demanded to : 1. Cease collection activities and reporting until proper validation has been provided ; 2. Provide the following within 15 days : - Copy of the original signed agreement with XXXX ; - Full itemized account history showing how the {$700.00} was calculated ; - A copy of the chain of title proving Cavalrys ownership and right to collect ; - Documentation that proves the legal standing of your affiliate XXXX XXXX XXXX XXXX suit ; 3. Remove this tradeline from all credit reporting agencies until and unless you can comply with the above. 

Failure to comply will result in : A formal complaint to the Massachusetts Attorney General ; Litigation under M.G.L. c. 93A for unfair and deceptive practices ; A separate complaint with the CFPB and FTC for violations of federal law.

Conclusion Your refusal to provide legally required documents, your reliance on procedural shortcuts, and your failure to verify information before reporting to credit bureaus constitute a blatant abuse of consumer rights. If your office truly values regulatory compliance and consumer transparency, I expect this matter to be corrected swiftly. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX

Company response to consumer: Closed with explanation