Consumer complaint received 2025-03-10 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: PA

Complaint narrative:
Dear Sir/Madam, I am writing to file a formal complaint against Cavalry Portfolio Services for their illegal and unethical actions regarding my consumer credit report. The actions of this collection agency are in clear violation of the following regulations : 1. 12 CFR 1006.34 ( b ) ( 5 ) - Cavalry Portfolio Services has failed to provide debt validation as required by law. Despite my request, they have not provided the necessary documentation to substantiate the debt they claim I owe.

2. 12 CFR 1006.34 ( c ) ( 4 ) ( i ) - I have not been provided with an opportunity to dispute the account in accordance with this regulation. I have not been given the required information to dispute the account, which deprives me of my rights to challenge the validity of this alleged debt.

3. 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( 7 ) ( A ) - Cavalry Portfolio Services is violating my consumer rights by furnishing an account to consumer reporting agencies without providing the legally required disclosures. They have misrepresented the information they report to the credit bureaus, which is unlawful. 
Additionally, the collection agency has used false, misleading, and deceptive practices in violation of the Fair Debt Collection Practices Act ( FDCPA ). Their actions have caused confusion and harm to my credit report and consumer rights. 
Therefore, I am formally disputing any and all debts allegedly owed to XXXX XXXX XXXX. I do not acknowledge owing any debt to this collection agency and demand that they cease reporting any such debts on my credit file. 
Furthermore, I am requesting the following : 1. Debt Validation : I require a full validation of the alleged debt, including but not limited to the original creditor 's name, account number, the amount of the debt, and documentation showing that Cavalry Portfolio Services has the right to collect the debt.

2. Purchase Agreement : I request a copy of the purchase agreement or any other document that shows that Cavalry Portfolio Services legally acquired the debt from the original creditor.

3. Licensing and Bonding Proof : Please provide proof that Cavalry Portfolio Services is licensed and bonded to collect debts in accordance with applicable state and federal laws.

Additionally, I am revoking all rights of Cavalry Portfolio Services to communicate with me through any means, including but not limited to email, text, or phone calls. Any further attempts at communication will be considered a violation of my rights under the Fair Debt Collection Practices Act. 
I also request that the Consumer Financial Protection Bureau investigate these violations and take the necessary steps to enforce my rights as a consumer. Please ensure that Cavalry Portfolio Services removes any inaccurate or misleading information from my credit report.

Thank you for your prompt attention to this matter. Please do not hesitate to contact me if further information is required.

Company response to consumer: Closed with explanation