I think I may have read a post about this earlier, but out of nowhere (my reports are all clean) I get this letter from Cavalry Investments today regarding an old Discover card account that charged-off back in 1996. In the letter, they say that I previously disputed this account with them as being invalid, and that they want me to provide them with any documentation I have that proves its invalid. Well that is a crock, its not my responsibility to provide the proof, its theirs. I am going to write them a nasty letter telling them to get lost, but I wonder if anyone else has received this letter from Cavalry. This account was previously held by First Credit Solutions, and they couldn't validate it so they gave up on it. Now it shows up with Cavalry. I know these fools can't validate it, or else First Credit Solutions would have. I'm curious how anyone else out there handled this if they got this letter from Cavalry, I've never dealt with them before.
I was hounded by Arrow about a providian C/o that they also could not validate. The Cra's deleted them for the same reason. A few days ago I got a letter from "ATTENTION, LLC " saying that they are "Arrow's assignee" and their hand is out also. I sent them a validation letter. If Arrow couldn't validate how can ATT ? Anyhow, I think it's all a numbers game . They should fold with a validation letter.
I'd tell them nice try, but in case they don't understand the FDCPA, it is THEY who need to prove the acct, not you. Idiots.
I sent them a nice little validation letter (even though it is still under validation from when it was owned by First Credit Solutions) and told them that if they even think about doing anything to my credit, I will sue them faster than they know what hit them. Just ask Arrow Financial how serious I am about that Anyway, this letter also included an affidavit that asked me to initial the option that describes why I think the account is invalid (fraud, paid off, etc.) and then it wants me to sign it at the bottom. NOT!! I know I saw a post earlier about someone receiving this affidavit form from Cavalry. I think they must be sending this to all the accounts that were held previously by First Credit Solutions. First Credit Solutions closed the account and deleted from the credit bureaus because they couldn't validate. What makes Cavalry think the situation is any different now?? So help me, if they mess with my credit on this.....
First Credit Solutions, for all intents and purposes, IS Cavalry Investments. I would definitely tell them to take a long walk on a short plank-- what FOOLS!
Dear Calvary, I don't have any documentation, therefore, using your logic, it must be invalid. Please delete.
Oh yeah, they will also play a kind of "keep away" game with you regarding TLs they are reporting...EX: if you demand anything from Cavalry regarding corrections, deletion, etc of tradelines they are reporting ... they will say it is First Credit Solutions problem, and vice versa. Very frustrating.
Just an update to this, I sent them a letter and a copy of First Credit Solutions' letter stating they were closing the account because they couldn't validate. I got a letter today (very fast turnaround!) from Cavalry today saying that they received my correspondence and were closing the account immediately and deleting any tradelines that were on the credit reports (none were being reported). *poof* another one bites the dust...
