Debt collection -- Attempts to collect debt not owed -- Complaint #18875792
Complaint Overview
Complaint ID: 18875792
Company: Cavalry Investments, LLC
Product: Debt collection
Sub-Product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours
State: Idaho
ZIP Code: 83646
Date Received: 2026-01-20T12:00:00-05:00
Date Sent to Company: 2026-01-20T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I disputed a credit card collection account reported by Cavalry Portfolio Services and asked for verification under federal law. I also submitted dispute notices to the major credit reporting agencies ( XXXX XXXX XXXX ), and the accounts were marked as disputed. Under 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request verification of an alleged debt, and the collector must cease collection activity until it provides verification. Cavalry failed to provide evidence that it owns the debt, a complete chain of assignment, or documentation establishing I owe the debt, and its response did not meaningfully address my verification request. Additionally, the furnisher obligation under the Fair Credit Reporting Act ( FCRA ) requires that disputing consumers accounts be investigated and reported accurately ; because Cavalry has not verified the debt, its continued furnishing of this information is inaccurate. Despite these failures, Cavalry has continued collection attempts and/or credit reporting. This conduct appears inconsistent with federal law and is the reason for my complaint.
Frequently Asked Questions
What is Complaint #18875792 about?
Complaint #18875792 was filed against Cavalry Investments, LLC regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2026-01-20T12:00:00-05:00.
How did Cavalry Investments, LLC respond to this complaint?
The company responded with: "Closed with explanation". 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.