In March 2005 I received a phone call from a representative of Cavalry portfolio services, LLC (CPS) about a Sprint PCS account in the amount of $514.30 that was in collection. I told the representative that I didn't think that I owed Sprint anything, but I would check my records and get back to them. The representative then told me that I did owe the money because it was on my credit report. I immediately contacted the three credit reporting agencies and put a fraud alert on my report. I checked my records and found that I had switched from Sprint PCS to AT&T Wireless in November 2001.
I contacted CPS and told them that I had closed that account out in December of 2001 with a Zero Balance. They said I must have been a victim of identity theft and they would send me a FRAUD STATEMENT OF DISPUTE form. I received the form in late June 2005. I filled out the form on July 5, 2005 and retuned it to CPS with a copy of my November 2001 AT&T invoice and a copy of my December 2001 Sprint PCS invoice showing a zero balance. I have not received an invoice from Sprint since that time. If sprint or CPS would have tried to contact me it should not have been too difficult; I have been at the same address and had the same phone number for over 30 years.
Cavalry portfolio services, LLC is using credit assassination as a means to extract unsubstantiated collection accounts from consumers. This practice is unconscionable and should be stopped immediately. CPS put a collection account in my credit reports in December 2004 three months before they contacted me. I have asked CPS, numerous times over the phone, to remove this collection account from my credit report. I am now requesting this in writing. I am also requesting copies of all documentation pertaining to this account such as account application, payment records, invoices, or any other paperwork that would show that this account is my responsibility.
San Jose, California