Consumer complaint received 2024-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAVALRY INVESTMENTS, LLC
State: PA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Cavalry Portfolio Services , LLC for egregious violations of my consumer rights, as protected by the Consumer Financial Protection Act. It has come to my attention that Cavalry Portfolio Services , LLC placed a collection on my consumer file on XX/XX/XXXX without issuing the requisite notice and without notifying me of my right to dispute this alleged debt. Furthermore, they reported a new collections balance on XX/XX/XXXX, which has been affecting my credit score, but they have not provided validity that I owe them this debt or signed a contract with them stating so. Cavalry Portfolio Services served me with a lawsuit on XX/XX/XXXX on behalf of their subsidiary company Cavalry SPV I, LLC and the court hearing is scheduled for XX/XX/XXXX. This has caused me to receive an enormous amount of solicitation letters from multiple law firms.

I am unaware of the alleged debt and I didnt have the opportunity to dispute this information. If in fact Cavalry Portfolio Services believes that they gave me proper notification I am requesting that they send me the certified mail receipt with my signature on it. I am also requesting the method of validation that Cavalry used to validate this debt. I ask that they please provide me with all of the correspondence between their company and the original creditor. I request the name ( s ) of the person that cavalry correspond with, as well as email addresses and phone numbers. I request the recorded phone call and or phone transcript of any conversations or communication between Cavalry Portfolio Services and myself.

I hereby declare my revocation of all communication channels with Cavalry Portfolio Services , LLC, including text messages, emails, and phone calls. I insist on engaging exclusively through written correspondence.

In line with my rights under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ), I am formally requesting that Cavalry Portfolio Services , LLC provide a purchase order agreement between them and the original creditor. I am also formally requesting that Cavalry Portfolio Services , LLC provide proof of debt validation.

I am particularly concerned about the accuracy of the account information, as the agreement may contain clauses stating that the data being purchased might be inaccurate. If Cavalry Portfolio Services , LLC is unable to produce this documentation, I demand the immediate deletion of the account from my credit report.

The date on my consumer report indicating that I opened an account with Cavalry Portfolio Services , LLC is blatantly false. I never received any services or products from Cavalry Portfolio Services , LLC nor entered into any contractual agreement with them. This misinformation tarnishes my credit history and infringes upon my consumer rights. This raises serious concerns about the legality of their actions and further emphasizes the need for immediate resolution.

The actions of Cavalry Portfolio Services , LLC constitutes clear violations of 12 CFR 1006.34 ( d ), 12 CFR 1006.34 ( c ) ( 4 ) ( i ), 12 CFR 1006.34 ( b ) ( 5 ), and 15 USC 1681-s 2 ( 7 ) ( A ), and 15 U.S. Code 1681 ( b ) Permissible purposes of consumer reports.

I am formally demanding the swift deletion of this collection from my credit report, and I trust the Consumer Financial Protection Bureau will thoroughly investigate and address these infractions.

Please keep me informed about the progress of this complaint, and I appreciate your attention to this matter. 

Thank You

Company response to consumer: Closed with explanation