Consumer complaint received 2025-09-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX Re : Validation of Alleged Debt FDCPA 15 U.S.C. 1692g & FCRA 15 U.S.C. 1681i Account cavalry portfolio service # XXXX To Whom It May Concern : This letter serves as a formal dispute of the alleged debt referenced above. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I hereby request full validation of this debt.

Please provide the following documentation : Proof that your organization is legally authorized to collect this debt, including a copy of the assignment or purchase agreement from the original creditor.

The original creditors full name, address, and the original account number.

A complete itemization of the alleged debt, including principal, interest, fees, and any other charges.

A copy of the original contract or agreement bearing my signature that created the obligation.

Proof of your license and bonding to collect debts in my state.

Additionally, if this account has been reported to any consumer reporting agency, be advised that I am disputing its accuracy. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, you are required to mark the account as disputed with all credit reporting agencies. Reporting unverifiable or inaccurate information constitutes a violation of federal law.

You must cease all collection efforts until the requested validation is provided. Failure to comply, or continued reporting of unverified information, will result in formal complaints to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Office of the State Attorney General. I reserve the right to pursue all remedies available under the FDCPA and FCRA.

This letter does not constitute an admission of liability. It is a request for validation and a formal dispute of your claim.

Furthermore, to verify compliance with FDCPA notice requirements, I request legal proof of mailing of the initial debt validation notice. Acceptable documentation includes : A certified mail receipt showing the date the notice was mailed.

A certificate of mailing issued by the XXXX XXXX  Service confirming the notice was sent to my address.

A copy of the postmarked envelope showing the mailing date.

Internal records or logs from your organization documenting the date and method of mailing.

Additional Notice Regarding Cavalry Portfolio Services Legal History : Cavalry Portfolio Services and its subsidiary Cavalry SPV I, LLC have faced legal challenges for failing to substantiate debt claims. In a 2024 case filed in California
Superior Court ( Cavalry SPV I, LLC v. XXXX XXXX ), the court dismissed Cavalrys lawsuit after it failed to produce sufficient documentation to prove the alleged debt was valid and enforceable. The judge ruled that Cavalry did not meet the burden of proof required to proceed with collection. This outcome underscores the importance of proper validation and documentation, which I now formally request. 

Please respond within 30 days of receipt of this letter.

Company response to consumer: Closed with explanation