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In December, 2013 I entered a written dispute with CAVALRY PORTFOLIO SERVICE reference account number 42258899 as contained on my consumer credit profile at Equifax, Experian and Trans Union. Specifically alleged, CAVALRY PORTFOLIO SERVICE was attempting to collect a debt for which I had no knowledge and alleged was fraudulently opened by an unknown third party.

CAVALRY PORTFOLIO SERVICE failed to investigate, verify, or validate said debt. Although I also filed a cease and desist demand with CAVALRY PORTFOLIO SERVICE, an absolute requirement of the Fair Credit Reporting Act is to report said debt as disputed pending resolution of an investigation.

CAVALRY PORTFOLIO SERVICE failed to report said debt as disputed and failed to conduct an investigation into my allegations of fraud. As such, my credit worthiness has been negatively impacted by the erroneous reporting of this account.

A review of records compiled by the state Division of Financial Services in Florida indicates that CAVALRY PORTFOLIO SERVICE is not currently licensed to conduct business pursuant to section 559, Florida statute. As such, the imposition of this debt and the erroneous reporting to Equifax, Experian and Trans Union is an unfair and deceptive trade practice.

Several phone calls to CAVALRY PORTFOLIO SERVICE have met upon deaf ears. When I called to inquire on the status of the disputed account, I was advised that Florida licensing was not required. I was further advised that the debt remained due notwithstanding a lack of validation and claim of fraud. At this point the call was terminated. My written dispute remains outstanding. Said account remains on my Equifax, Experian and Trans Union notwithstanding the existence of a dispute, lack of validation, and my allegations of fraud.