Consumer complaint received 2025-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Tx, XXXX XX/XX/year> CAVALRY PORTFOLIO SERV XXXX XXXX XXXX XXXX XXXX XXXX, CT, XXXX Re : Failure to Provide Proper Debt Validation Notice of Violations Account/Reference No. XXXXXXXX XXXX XXXX To Whom It May Concern, This letter serves as a final notice regarding your failure to provide proper validation of the alleged debt referenced above. Under 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act ( FDCPA ), once a consumer requests validation, all collection activity must cease until you provide complete and lawful verification of the debt.

Your previous response does not meet the legal standard required for debt validation. A simple summary, a printout from your internal system, or a restatement of the alleged amount does not constitute legally acceptable validation. The law requires competent evidence that : 1. The alleged debt exists.

2. You have the legal right to collect it.

3. The amount claimed is accurate and itemized from {$0.00} to the present.

4. A contract bearing the consumers signature exists, establishing liability.

5. A full chain of assignment and ownership is provided, showing proper transfer of the debt from the original creditor through all subsequent entities.

To date, you have failed to provide this evidence.

-- - LEGAL NOTICE OF VIOLATIONS Your failure to supply proper documentation constitutes violations of : FDCPA Violations 15 U.S.C. 1692g ( b ) Continuing collection activity without full validation.

15 U.S.C. 1692e Use of false, deceptive, or misleading representations.

15 U.S.C. 1692f Unfair or unconscionable means to collect a debt.

FCRA Violations If you have reported or continue to report this unverified account to any consumer reporting agency ( Equifax, Experian, TransUnion, Innovis ), you are violating : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Reporting information that is not verified or is inaccurate.

15 U.S.C. 1681s-2 ( a ) ( 3 ) Failure to mark the account as disputed while under investigation.

15 U.S.C. 1681i ( a ) Failure to conduct a lawful reinvestigation.

-- - DEMAND FOR ACTION You are hereby given 7 days from the date you receive this letter to comply with the following : 1. Provide the required full validation, including : A copy of the original signed contract or agreement ; Full accounting history and itemization of the alleged amount ; Proof of ownership/assignment of the debt ; The name and address of the original creditor ; Proof that your company is legally authorized to collect in my state.

OR 2. Immediately delete any and all reporting of this alleged account from all consumer reporting agencies and cease all collection activity.

Failure to comply with these demands will leave me no choice but to pursue legal action for your violations of the FDCPA and FCRA. This includes filing complaints with the Consumer Financial Protection Bureau ( CFPB ), my states Attorney General, and initiating a civil lawsuit seeking statutory damages, actual damages, attorneys fees, and any other remedies allowed by law.

This letter constitutes your final opportunity to correct these violations before legal action is initiated. 

Regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation