Consumer complaint received 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAVALRY INVESTMENTS, LLC
State: CA

Complaint narrative:
To : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, AZ XXXX Phone : [ Insert their main number if different from credit report ] CC : Experian P.O. XXXX XXXX XXXX, TX XXXX RE : XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX Dear XXXX Department, I am writing to formally dispute the validity and accuracy of the above-referenced account, which appears on my credit report as a collection account allegedly opened on XX/XX/XXXX with a balance of {$16000.00}. This item is inaccurate, incomplete, and unverifiable, and its continued reporting constitutes a direct violation of multiple federal laws, including the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Consumer Financial Protection Bureau ( CFPB ) guidelines. 

Violation of 15 U.S.C. 1692g ( b ) FDCPA : Failure to XXXX XXXX You are required by law to cease collection activities and provide full validation of the alleged debt upon request. I have never received proper validation that proves : 1.You have the legal right to collect on this debt, 2.A full breakdown of how the balance was calculated, 3.A valid chain of assignment from the original creditor ( XXXX XXXX ) to your XXXX XXXX 

Until this is legally provided, reporting this account constitutes continued collection activity, a direct violation of the FDCPA. 

Violation of 15 U.S.C. 1681s-2 ( b ) FCRA : Reporting Inaccurate & Unverified Information You are furnishing data to credit bureaus without maintaining adequate procedures to ensure maximum possible accuracy. This account was reported : XXXX proper investigation or consumer validation, XXXX providing a signed contract or agreement linking me to this debt, XXXX collection repeatedly, yet theres no monthly payment activity shown to support ongoing collection effort, which makes this reporting deceptively misleading and inaccurate. 

Incomplete & Conflicting Payment History ( Violation of 15 U.S.C. 1681e ( b ) ) The payment history on this account falsely reflects continuous collection activity in XXXX. However, no payments have been received since inception, which should classify the debt as static or closed. The repetitive monthly " C '' notations with no payment changes is incomplete, misleading, and inaccurate. 

Violation of 15 U.S.C. 1692e FDCPA : Deceptive Practices Reporting such an inflated balance without itemization, coupled with unverifiable claim status, constitutes false, deceptive, or misleading representation of the character or legal status of the debt. 

Pursuant to the rights afforded to me under 15 U.S.C. 1681i and 1692c ( c ), I hereby demand : 1.Immediate and permanent deletion of this account from all credit reporting agencies : XXXX XXXX XXXX XXXX.

2.Cease and desist all collection activity, including credit reporting, pending full legal validation.

3.A written response confirming the deletion within XXXX calendar days from receipt of this letter. 

Failure to comply with this demand will result in formal complaints being filed with : XXXX Consumer Financial Protection Bureau XXXX CFPB ), XXXX Federal Trade Commission ( FTC XXXX XXXX XXXX Better Business Bureau ( BBB ) XXXX XXXX XXXX pursuit of legal remedies for willful noncompliance under 15 U.S.C. 1681n ( Statutory damages up to {$1000.00} per violation, plus attorneys fees ). 

This letter is written in good faith with the expectation that XXXX XXXX XXXX operates within the bounds of state and federal law. Any attempt to continue reporting unverifiable and inaccurate information will be pursued as a violation of my consumer rights.

Company response to consumer: Closed with non-monetary relief