Consumer complaint received 2025-07-09 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: MA

Complaint narrative:
To Whom It May Concern : I am writing to formally dispute the validity of an alleged debt your company is reporting and/or attempting to collect, which you claim was transferred from XXXX XXXX XXXX I have no knowledge of this debt, and I have never entered into any agreement with Cavalry Portfolio Services or with XXXX XXXX that would obligate me to the amount currently being reported. 

Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I demand full and complete validation of this alleged {$16000.00} debt. I request the following documentation be provided within 30 days : A signed contract or agreement bearing my signature that legally obligates me to the alleged debt ; A complete itemized accounting of the balance, including all charges, payments, interest, and fees from inception to present ; Proof of legal assignment or purchase, including the full chain of title from XXXX XXXX XXXX Cavalry Portfolio Services ; A copy of the Forward Flow Agreement or similar purchase contract, which shows whether account-level documentation was provided and whether warranties of accuracy were included in the transfer ; Proof of your debt collection license and registration to operate in [ Insert Your State ], as required by applicable state laws.

Please note that under 15 U.S.C. 1692g ( b ), you must cease all collection activity, including reporting to credit bureaus, until you provide proper validation. A generic account summary or spreadsheet is not sufficient under federal law, as confirmed in cases such as : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) requiring specific verification of debts, Fields v. XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ) requiring transparent itemization of charges. 

If you continue to report this unverified and disputed debt to consumer reporting agencies, you will be in violation of : FCRA 1681e ( b ) failure to ensure the maximum possible accuracy of reported data ; FCRA 1681s-2 ( b ) duty to investigate and correct or delete inaccurate or unverifiable information after notice of dispute ; FDCPA 807 ( 15 U.S.C. 1692e ) prohibiting false, deceptive, or misleading representations in connection with debt collection ; FDCPA 808 ( 15 U.S.C. 1692f ) prohibiting unfair or unconscionable means to collect a debt.

These violations may expose your company to statutory and actual damages under FCRA 1681n and 1681o, and FDCPA 1692k, as well as attorney fees and punitive damages. 

This letter also serves as a cease and desist notice under FDCPA 805 ( c ). Any contact outside of proper validation will be considered a violation and may be reported to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and/or result in civil litigation. 

If you are unable to validate this debt within the required time period, I demand that the tradeline be immediately deleted from all consumer reporting agencies ( XXXX XXXX XXXX XXXX ), and that written confirmation of the deletion and closure of the account be sent to me.

Company response to consumer: Closed with non-monetary relief