Cavalry Portfolio Services, Sprint PCS Fraudulent Reports, Accounts Ripoff Phoenix Arizona

Tamatha:

A phone call is not going to help you. Texas has WONDERFUL CONSUMER protection laws. In order to protect yourself, you need to do the following (and stay off the phone from now on unless you are taping them):

Immediately send a letter to Calvary via certified mail return receipt telling them that you dispute the debt in its entirety. Demand that they send you validation of the debt via postal mail. Also make sure that you demand the removal of any reference to this account from your credit reports if they are unable to obtain the validation (this one is particularly important). They have 30 days to respond to you.

Then about 10 days later, send a letter of dispute to each credit bureau that the account is listed with.

Calvary will do one of three things: 1) ignore you completely and post/re-validate a negative account on your credit report, or 2) they attempt to send you bogus documentation to try and prove the debt is valid and then post/re-verify a negative account on your credit report.

If #1 happens, send another letter stating that you are still awaiting validation and repeat your demand for immediate deletion of the account from your credit reports. They'll probably ignore you again, but at this point you can prove willful noncompliance of the TDCPA and the FCRA. Take all of your paperwork to an attorney who specializes in debt collection law...can be found on the NACA website.

If #2 happens, immediately send them another letter rejecting their bogus documentation. Tell them that the account is still disputed and to remove their tradeline from your credit reports. Sue if they don't respond to your demands.

Read up on the FDCPA, the FCRA and most importantly for you, the Texas Debt Collection Practices Act. The Texas Act offers some extremely good protections for consumers. I'm advising you to use one of the best protections: you can dispute a debt at any time - they have 30 days to respond either with validation, or a request for more time. If they fail to validate within 30 days or request more time, they must change the account that appears on your credit report per your request (hence my suggestion that you demand deletion) until they are able to send you the validation.

Keep copies of all correspondence, envelopes, return reciepts, etc. for evidence. Don't be afraid to get nasty with them if they don't make this go away soon!!

Good luck!