Collection agency on credit report

Since Cavalry has not responded to your DV letter for such a long time, I think you should dispute the debt with the credit bureaus. The bureaus will contact Cavalry and ask them to validate the debt. If they can't respond to the bureaus' notice, the account will be removed from your credit report.

I making copies of the reciept and letter that was sent to Cavalry to send to the credit bureaus.

In order to validate a debt, a CA should send the following documents while answering your DV letter. These are a written proof that your debt is assigned to the CA signed by the original creditor, a copy of the original contract with your original creditor or account statements from your original creditor and a statement of your payment history till date stating your debt and how it is calculated till date. Since, as you said, Cavalry has not sent any of these, go forward and dispute the debt. Keep me posted.

Any one here of Ewing and Ewing Attorneys, P.C. out of Arizona Cavalry has turned it over to them. they still haven't validated the debit.

Received the first letter back from one of the credit bureaus they said "Account information disputed by consumer (Meets requirementof the Fair Credit Reporting Act)."

yes.....and beware of them as i have a judgement from them for 25,000.00!!!!

well since marysplace sent the DV letter in the proper timeframe.if they sue she can demand validation in court.simple as that.

I haven't heard from Ewing and Ewing or Cavalry Portfolio Services, LLC since I sent the DV letter to Ewing and Ewing. wondering if I should dispute with the credit bureaus again or just wait and see it another CA contacts me. any suggestions?

dispute all entries except for the original creditor.if A JDB bought it,and can't validate then it gets removed.

[quote][COLOR=#333333]if A JDB bought it,and can't validate then it gets removed. [/COLOR][/quote]True.
If anyone of you would like to read more on the initial dealing with the JDB, here's the link:
http://www.debtconsolidationcare.com/settlement/jdb-midland.html

wow, thats a big violation of the FDCPA.

before this goes any further, Mary, go to www.naca.net and look for a consumer attorney in your area. As long as you still have proof of your validation request, you are good to go. Many of those attorneys will give a free initial consultation, and many will also work on contingency basis if you sue Cavalry....which means you wont have to pay legal fees because they get it from Cavalry.

You will need the proof that you sent the DV letter, proof of when they received it, your credit reports showing that they reported the debt on their all those months AFTER getting your DV request, and the email showing the date that they finally responded to your DV request. And no, that isnt even proper validation of the debt anyways. But as long as you have the documentation I just mentioned, you look to have a solid case.

Ewing and Ewing are suing on behalf of Cavalry portfolio. We received the summons and responded now they are trying to get a judgement they said we haven't given enough information so now we have to respond to their judgement filing.