Consumer complaint received 2026-05-25 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: NY

Complaint narrative:
I am filing this complaint against Cavalry Portfolio Services regarding inaccurate, misleading, and unverifiable collection reporting on my credit file. ACCOUNT AT ISSUE : Cavalry Portfolio Services Account Number : XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX Reported Balance : {$610.00} Status Reported : Collection Account NATURE OF THE DISPUTE Cavalry Portfolio Services is reporting a collection account on my credit file without providing sufficient documentation proving : I legally owe this debt Cavalry Portfolio Services has lawful ownership or assignment rights The reported balance is accurate The account was properly authorized I previously disputed this account and raised fraud concerns, yet Cavalry Portfolio Services continues reporting the account without providing competent supporting documentation. FAILURE TO VALIDATE THE DEBT To date, Cavalry Portfolio Services has failed to provide : Original signed agreement Original application Complete billing statements Complete payment history Itemized accounting of the alleged debt Chain of assignment documentation Purchase/transfer records from XXXX XXXX Proof of legal authority to collect Without this documentation, the debt can not be properly validated or verified. CONTINUED COLLECTION REPORTING WITHOUT VERIFICATION Despite disputes and requests for validation, Cavalry Portfolio Services continues reporting the account as an active collection account. The account reflects continuous monthly derogatory reporting which creates the appearance of ongoing delinquency and materially damages my credit profile. A collection account should not continue reporting without complete and verifiable documentation supporting the debt. FRAUD / AUTHORIZATION CONCERNS I previously raised fraud concerns regarding this account. However, Cavalry Portfolio Services failed to provide : Documentation proving account authorization Signed contractual documents Proof that I personally incurred the alleged obligation Instead, the account continues reporting without proper investigation into the fraud concerns raised. XXXX XXXX / REPORTING CONCERNS Under XXXX XXXX reporting standards : Collection reporting must be accurate and complete Debt buyers and collection agencies must maintain verifiable account documentation Reporting should not create misleading recurring derogatory activity Ownership and assignment information must be accurate The current reporting structure raises serious concerns regarding compliance with proper industry reporting standards. FDCPA CONCERNS Under the Fair Debt Collection Practices Act ( FDCPA ), a debt collector must be able to validate a disputed debt. Cavalry Portfolio Services continues collection reporting without providing sufficient documentation validating : Ownership of the debt Amount of the debt Legal authority to collect Accuracy of the reporting FCRA VIOLATIONS FCRA 1681s-2 ( b ) Failure to properly investigate disputed information. FCRA 1681e ( b ) Continued furnishing of potentially inaccurate and unverifiable information. BURDEN OF PROOF The burden rests with Cavalry Portfolio Services to prove : The debt is valid The balance is accurate The account belongs to me Proper assignment exists The reporting complies with federal law I am not required to prove that the debt is invalid.

Company response to consumer: Closed with non-monetary relief