Consumer complaint received 2025-09-23 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX To : Cavalry Portfolio Services , LLC XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX Cavalry Portfolio Services XXXX XXXX XXXX, XXXX XXXX, XXXX, CT XXXX Subject : Formal Dispute & Cease and Desist DSNB Macys Account To Whom It XXXX Concern, This letter serves as a formal dispute and demand for deletion of the DSNB XXXX  account you are reporting under account numbers ending in XXXX XXXXXXXX and XXXX XXXXXXXX. 


Your reporting contains false, conflicting, and misleading information, violating the Fair Credit Reporting Act ( FCRA ), XXXX XXXX compliance standards, and consumer protection laws. 
Specific Issues : XXXX. Conflicting Reporting You have furnished multiple entries for the same account with inconsistent statuses ( open vs closed ), last activity dates ( XX/XX/XXXX vs XX/XX/XXXX ), and different addresses. 
XXXX. False Dates of Activity Reporting last activity as XX/XX/XXXX is factually impossible and constitutes a willful misrepresentation. 
XXXX. No Proper Validation I have not received any original contract or proper validation of this alleged debt despite prior requests. 
XXXX. Consumer Harm These actions are damaging my creditworthiness and constitute harassment under FDCPA XXXX. 


Violations : - FCRA XXXX furnishing information known to be inaccurate. 
- FCRA XXXX ( b ) failure to maintain maximum possible accuracy. 
- FDCPA XXXX false, deceptive, or misleading representation of debt. 
- CCPA XXXX ( d ) inaccurate furnishing voids the FCRA exemption. 


Demand : I hereby demand that Cavalry Portfolio immediately delete all tradelines associated with this alleged account from all consumer reporting agencies. 
You are further directed to cease and desist from all collection activity, including phone calls and correspondence, unless full and proper validation of the alleged debt is provided. 
If you fail to comply within 30 days, I will escalate this matter with the CFPB, FTC, and state regulators, and will pursue legal action for statutory damages and attorneys fees. 


XXXX XXXX CAVALRY PORTFOLIO SERV Account Number XXXX Status Open Type Open Unpaid Balance {$940.00} Comments ACCOUNT INFORMATION DISPUTED BY CONSUMER Date Opened XXXX Last Activity XXXX High Balance {$940.00} Monthly Payment -- Current Rating CollectionOrChargeOff Term Source Type -- Original Creditor XXXX DSNB XXXX  Highest Adverse Rating CollectionOrChargeOff Most Recent Adverse Rating CollectionOrChargeOff I am contacting you regarding the inaccurate reporting of the account CAVALRY PORTFOLIO SERV with number XXXX on my credit report. According to your records, this account is currently listed as CollectionOrChargeOff, opened on XXXX, with a date of last activity recorded as XXXX, and last verified on XXXX. This information is incorrect, and I am requesting the immediate deletion of this account from my credit report. 
Under XXXX U.S.C. XXXX of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to maintain and report only accurate information. I also request that you provide me with the specific documentation used to verify this account, along with evidence supporting the {$940.00}, as I firmly dispute this amount. 
The significance of ensuring accurate reporting was notably emphasized in XXXX v. XXXX Bank of Massachusetts, XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX. XXXX ). In this case, the court found that failing to conduct a reasonable investigation into disputed accounts was a violation of the FCRA, resulting in damages awarded to the plaintiff. This ruling underscores your obligation to ensure the accuracyof the information reported about my account. 
Furthermore, in XXXX v. XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), the court highlighted that credit reporting agencies must promptly remove information that is inaccurate or can not be verified. This case establishes a clear precedent that unverifiable information, such as the incorrect details on my report, must be corrected or deleted. 
Considering these legal precedents, I urge you to take immediate action to investigate and rectify this matter, as required by federal law.

Company response to consumer: Closed with non-monetary relief