Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: CAVALRY INVESTMENTS, LLC
State: TX

Complaint narrative:
Consumer : XXXX XXXX XXXX Collector : XXXX XXXX I, XXXX represented by XXXX XXXX XXXX Original Creditor : XXXX Bank Collection Account : XXXX XXXX XXXX, account number XXXX XXXX Case : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3800.00} ( reported as {$4200.00} with interest ) Timeline of Events : XXXX XXXX I, XXXX XXXX a debt collection lawsuit against me in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. Their first attempt to serve me resulted in a XXXX of XXXX filed XX/XX/XXXX, indicating they could not locate me. They subsequently filed a Proof of Personal Service on XX/XX/XXXX however I had already relocated to XXXX and was not residing in XXXX at the time of alleged service. I have documentation establishing my continuous Texas residency through consecutive lease agreements spanning XX/XX/XXXX through present. Because I was not properly served I had no knowledge of the lawsuit. XXXX proceeded to request entry of default judgment on XX/XX/XXXX and a default judgment was entered against me on XX/XX/XXXX without my knowledge or participation. In XX/XX/XXXX I discovered the default judgment existed. I contacted XXXX XXXX XXXX XXXX directly to attempt to resolve the matter. XXXX agent was cooperative and attempted to assist me but informed me the account had been referred to their legal department and transferred me accordingly. The second agent I spoke with engaged in deceptive and fraudulent conduct he attempted to get me to discuss and acknowledge the debt without disclosing the court information I was specifically requesting before engaging in any conversation about the debt. I repeatedly asked him to provide me with the court case information so I could verify the matter before discussing anything further. He was resistant and evasive. He eventually provided me with the case number and the call ended without resolution. Immediately following that call I filed a Motion to Vacate the Default Judgment on XX/XX/XXXX based on improper service, as I was not residing in XXXX at the time I was allegedly served. The motion was heard on XX/XX/XXXX and was granted by the court. Notably XXXX filed a Notice of XXXX on XX/XX/XXXX meaning they did not even contest my motion to vacate. A trial date was scheduled for XX/XX/XXXX. I was ordered to file an answer to the complaint within XXXX days which I did on XX/XX/XXXX. On XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX own attorney XXXX XXXX XXXX of XXXX XXXX XXXX filed a Request for Dismissal form XXXX voluntarily dismissing the entire action of all parties and all causes of action without prejudice. The dismissal was entered by the court clerk XXXX XXXX XXXX on XX/XX/XXXX. Notably XXXX updated this collection account balance as recently as XX/XX/XXXX just XXXX days before their own attorney filed the voluntary dismissal. This demonstrates that XXXX was actively and knowingly reporting this account to credit bureaus while simultaneously preparing to abandon the very lawsuit that gave rise to the collection claim. XXXX XXXX has reported this account as a collection every single month for XXXX consecutive months spanning XX/XX/XXXX through XX/XX/XXXX causing sustained and ongoing damage to my credit profile. This is not an oversight it is a pattern of bad faith conduct. The underlying debt is also beyond California 's XXXX statute of limitations for written contracts as well as Texas 's XXXX statute of limitations as I am currently a Texas resident. Despite the XXXX XXXX XXXX XXXX XXXX XXXX continues to report this account as an active collection account with a balance of {$4200.00} on my Experian, Equifax, and TransUnion XXXX reports as of XX/XX/XXXX. I have already filed disputes with all three major credit bureaus on XX/XX/XXXX attaching the court dismissal document as evidence. I am filing this CFPB complaint simultaneously to request that XXXX XXXX XXXX XXXX be directed to immediately instruct all three credit bureaus to delete this tradeline from my credit report entirely. I am requesting deletion not simply an update to the account status based on the voluntary court dismissal, the improper service of process, XXXX 's own non-opposition to my motion to vacate confirming the improper service, the deceptive conduct of XXXX 's collection agent in violation of the Fair Debt Collection Practices Act, the continued and active credit reporting during and after litigation, and the expired statute of limitations on this debt. Supporting documentation attached : Court issued Request for Dismissal form XXXX, full civil case docket showing complete timeline, signed and granted Motion to Vacate dated XX/XX/XXXX, XXXX XXXX XXXX establishing continuous residency from XX/XX/XXXX through present, and Experian credit report dated XX/XX/XXXX showing XXXX consecutive months of active collection reporting.

Company response to consumer: Closed with non-monetary relief