Debt collection -- Attempts to collect debt not owed -- Complaint #18994685
Complaint Overview
Complaint ID: 18994685
Company: Cavalry Investments, LLC
Product: Debt collection
Sub-Product: I do not know
Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours
State: New Jersey
ZIP Code: 08859
Date Received: 2026-01-25T12:00:00-05:00
Date Sent to Company: 2026-01-25T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am submitting this complaint regarding a debt collection account that is being reported and/or collected without proper legal validation. I previously disputed this alleged debt and requested full validation, including documentation proving ownership of the debt, the original creditor relationship, and the accuracy of the balance being reported. Despite my disputes, the debt collector failed to provide adequate verification as required under the Fair Debt Collection Practices Act ( FDCPA 809 ( b ) ). The company continues to report and/or attempt to collect this debt without providing evidence that the debt is owed by me or that they have the legal right to collect it. No signed agreement, billing statements, or chain of title documentation has been provided to substantiate the claim. Additionally, the continued reporting of this unverified debt has caused harm by inaccurately affecting my credit profile. This conduct constitutes an attempt to collect a debt not owed and reporting information that can not be verified, in violation of federal consumer protection laws, including the FDCPA and the Fair Credit Reporting Act ( FCRA ). I am requesting that the company cease collection activity, remove any credit reporting related to this unverified account, and provide written confirmation of deletion. If the company is unable to properly validate the debt, it must not continue reporting or collection efforts.
Frequently Asked Questions
What is Complaint #18994685 about?
Complaint #18994685 was filed against Cavalry Investments, LLC regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2026-01-25T12:00:00-05:00.
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.