Consumer complaint received 2024-05-08 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: AR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Formal Complaint Against Cavalry Portfolio Services for Unlawful Debt Collection Practices Dear Sir/Madam, I am writing to file a formal complaint against Cavalry Portfolio Services , located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, regarding their management and reporting of an alleged debt originally credited by Citibank. I believe their practices have violated multiple federal consumer protection laws, negatively impacting my credit and personal well-being. 

Violations Committed by Cavalry Portfolio Services : Failure to Provide Debt Validation : In direct violation of 12 CFR 1006.34 ( b ) ( 5 ), Cavalry Portfolio Services has reported a debt on my consumer credit report without providing adequate validation. Despite my requests, they have failed to provide necessary documentation substantiating the debt they claim I owe. 
Inadequate Opportunity to Dispute : Contrary to the requirements of 12 CFR 1006.34 ( c ) ( 4 ), I was not provided with a proper opportunity to dispute the accuracy of the debt information before it was reported to credit reporting agencies.

Deceptive Collection Practices : Cavalry Portfolio Services has engaged in misleading, deceptive, and misrepresentative collection practices, clearly infringing upon my consumer rights. 
Unauthorized Reporting : This agency has reported the debt to consumer reporting agencies without all required disclosures, thereby breaching 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ). 
Requested Remedial Actions : Immediate Debt Validation : I request a complete validation of the debt, including the original creditors details ( Citibank ), the original amount of the debt, a breakdown of all fees or charges added, and any pertinent documentation. 
Purchase Agreement : I request a copy of the agreement between Cavalry Portfolio Services and Citibank that authorizes them to collect on this alleged debt. 
Licensing and Bonding Evidence : Please provide evidence that Cavalry Portfolio Services is licensed and bonded to collect debts in my state.

Cease of Communication : I revoke any prior consent for Cavalry Portfolio Services to contact me via phone, email, or text messages. Future communications should be conducted through written correspondence and sent to the address noted above. 
Attached are copies of all relevant documents and previous correspondences related to this matter for your review. I urge a thorough investigation into these claims and anticipate a detailed response addressing each point of contention raised in this letter. 

Thank you for your attention to this pressing issue. I look forward to your prompt and effective action to resolve these violations and enforce compliance with consumer protection laws. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation