Debt collection -- Took or threatened to take negative or legal action -- Complaint #12411351
Complaint Overview
Complaint ID: 12411351
Company: Cavalry Investments, LLC
Product: Debt collection
Sub-Product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-Issue: Sued you in a state where you do not live or did not sign for the debt
State: Illinois
ZIP Code: 60647
Date Received: 2025-03-10T12:00:00-05:00
Date Sent to Company: 2025-03-10T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I do not owe a {$6000.00} debt to XXXXXXXX XXXX XXXXXXXX. I formally dispute this claim under the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692g ). Request for Debt Validation Under 15 U.S.C. 1692g ( b ), I am requesting validation of this alleged debt. Specifically, I request the following : Verification that you have the legal right to collect this debt, including documentation proving ownership or assignment from the original creditor. A complete and detailed payment history from the original creditor to validate the amount claimed. A signed agreement or contract proving that I am legally obligated to pay this debt. The original creditors name, address, and account number associated with this alleged debt. Proof that this debt is not time-barred under Illinoi s ' statute of limitations. Under 15 U.S.C. 1692g ( b ), you must cease all collection efforts until you provide proper validation. Failure to validate this debt may constitu te a violation of federal law, and I will not hesitate to report this matter to the Illinois Attorney Generals Office, the Consumer Financial Protection Bureau ( CFPB ), and the Federal Trade Commission ( FTC ). Additionally, under 15 U.S.C. 1692e, you are prohibited from using any false, deceptive, or misleading representations in your collection attempts. If you continue to pursue collection without proper validation, I will explore all legal remedies available to me, including a countersuit for violations of my consumer rights. I expect a response within 30 days of receiving this letter. If you fail to provide sufficient evidence, I will consider this matter closed, and any further collection attempts will be regarded as harassment in violation of the FDCPA. This letter serves as formal notice that you are prohibited from reporting this alleged debt to any credit bureau without proper validation. Any false reporting may result in legal action under the Fair Credit Reporting Act ( FCRA ).
Frequently Asked Questions
What is Complaint #12411351 about?
Complaint #12411351 was filed against Cavalry Investments, LLC regarding Debt collection specifically about Took or threatened to take negative or legal action. It was received by the CFPB on 2025-03-10T12:00:00-05:00.
How did Cavalry Investments, LLC respond to this complaint?
The company responded with: "Closed with non-monetary relief". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Debt collection) and describe your issue in detail.
Can I see other complaints against Cavalry Investments, LLC?
Yes, visit the Cavalry Investments, LLC company profile at readthecomplaint.com/company/cavalry-investments-llc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.