Consumer complaint received 2026-04-13 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Company : Cavalry Portfolio Services Complaint Summary I am submitting this second complaint due to continued inaccurate reporting, failure to conduct a reasonable investigation, and materially inconsistent information being furnished and verified across multiple consumer reporting agencies. This matter was previously the subject of a CFPB complaint. However, the account remains on my credit reports without proper validation and with conflicting data, demonstrating ongoing noncompliance. Key Violations & New Evidence 1. Failure to Conduct Reasonable Investigation Despite multiple disputes, the consumer reporting agencies continue to verify the account without providing : Method of Verification Documentation reviewed Evidence of account-level investigation This strongly indicates reliance on automated systems ( e-Oscar ), which does not meet FCRA requirements. 2. Inconsistent Reporting Across Credit Bureaus ( Critical ) The same account is reported differently : XXXX : Last Activity XX/XX/XXXX XXXX : Last Activity XX/XX/XXXX XXXX : Reporting status inconsistent with other bureaus Additional inconsistencies : Status varies between Open and Charge-Off No payment history reported Ongoing reporting despite disputes These discrepancies demonstrate that the information being furnished is not accurate or reliably verified. 3. Failure of Furnisher to Provide Proper Validation Cavalry Portfolio Services has failed to provide : Original contract or agreement Complete payment history Proof of ownership or assignment Documentation establishing legal enforceability Despite this, they continue furnishing data to all bureaus. 4. Continued Reporting After CFPB Complaint This matter was previously submitted to the CFPB. Despite that complaint : The company failed to provide sufficient documentation The discrepancies were not resolved The account continues to be reported inconsistently This continued conduct demonstrates failure to conduct a reasonable investigation and raises concerns of willful noncompliance. Legal Violations FCRA Violations : 15 U.S.C. 1681i Failure to conduct reasonable reinvestigation 15 U.S.C. 1681s-2 ( b ) Failure to properly investigate disputes Furnishing inconsistent and inaccurate information FDCPA Violations : 1692e Misrepresentation of debt 1692f Attempt to collect unverifiable debt Requested Resolution I request that : 1. This account be immediately deleted from all credit bureaus due to : o Inconsistent reporting o Lack of verification o Failure of reasonable investigation 2. All parties provide : o Method of Verification o Documentation relied upon 3. If verification can not be established : o Permanent deletion of the tradeline Final Statement This is no longer a simple dispute. The continued reporting of inconsistent and unverifiable data after a prior CFPB complaint constitutes ongoing violations of federal law. Failure to correct this issue will result in escalation, including legal action.

Company response to consumer: Closed with explanation