Consumer complaint received 2025-12-30 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: AL

Complaint narrative:
To Whom It May Concern : This complaint is filed under the authority of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Truth in Lending Act ( TILA ). It applies to XXXX XXXX XXXX, XXXX, and any and every data furnisher ( creditors, lenders, banks, debt collectors, or service providers reporting consumer information ).

Legal Duties & Violations FCRA 611 ( 15 U.S.C. 1681i ) : Duty to conduct a reasonable reinvestigation of disputed information. FCRA 607 ( 15 U.S.C. 1681e ) : Duty to ensure maximum possible accuracy. FCRA 623 ( 15 U.S.C. 1681s-2 ) : Duties of furnishers to report accurately and correct or delete unverifiable data. FCRA 605 ( 15 U.S.C. 1681c ) : Limits on reporting obsolete adverse information. FCRA 604 ( 15 U.S.C. 1681b ) : Permissible purpose to access or share credit reports. FCRA 1681n & 16810 : Civil liability for willful or negligent noncompliance. FDCPA 1692e, 1692f, 1692g, 1692k : Ban on false reporting, unfair practices, validation requirements, and civil liability. TILA 1611 : Criminal liability for willful false reporting. TILA 1640 : Civil liability for damages, including actual damages, statutory damages, and twice the amount of any finance charge unlawfully reported. By continuing to report, verify, or publish false obligations, the credit bureaus and data furnishers are in strict violation of federal law.

Verification & Validation All credit bureaus and data furnishers must verify and validate disputed information with documented proof, not merely rely on automated ACDV/e-OSCAR responses. Further, under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ), I have the right to the full method of verification, including the procedure, documentation, and parties used to confirm the account. A simple 'verified ' code is not lawful validation. Failure to provide proper verification or validation requires immediate deletion.

Fair Resolution A fair resolution requires : ( 1 ) Immediate and permanent deletion of all negative, unverifiable, or unlawfully reported accounts, including debt collector tradelines, charge-offs, repossessions, foreclosures, bankruptcies, or any other derogatories. ( 2 ) Written confirmation of deletions within 3 business days. ( 3 ) No re-insertion of deleted items except in compliance with FCRA 611 ( a ) ( 5 ) ( B ) ( certification + consumer notice ).

Enforcement Notice If this resolution is not enforced, I will pursue every remedy available under law, including : statutory, actual, and punitive damages under the FCRA ( 1681n & 16810 ) ; civil damages under the FDCPA ( 1692k ) ; civil and criminal liability under the TILA ( 1611 & 1640 ), including two-fold recovery of unlawful finance charges ; escalation of complaints to the CFPB, FTC, State Attorneys General, XXXX, OCC, FDIC, and Federal Reserve ; and civil action in the appropriate court. Each false verification, furnishing, or publication is a separate violation. Federal law imposes strict liability - intent is irrelevant.

Respectfully Submitted, XXXX XXXX

Company response to consumer: Closed with explanation