In March 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.
I contacted CPS and told them that I had closed that account out in December 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. I filled out the form on July 5 and retuned it to CPS with a copy of my November AT&T invoice and a copy of my December 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 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.
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