Who Cavalry SPV is
Cavalry SPV I LLC is a debt-buying entity that purchases charged-off consumer debt portfolios from original creditors. The affiliated collection agency, Cavalry Portfolio Services, LLC (CPS), handles the actual collection work. On your credit report you may see the tradeline listed as:
- "Cavalry SPV I LLC"
- "Cavalry Portfolio Services"
- "CAV SPV" or similar shortened variants
All of these are part of the same corporate family, and for dispute purposes you can direct correspondence to the Cavalry address below.
Why Cavalry collections show up on credit reports
When Cavalry purchases a debt, the original creditor's tradeline should be updated to a $0 balance and "sold/transferred" status. Cavalry then reports a new collection tradeline under its own name. That tradeline has its own balance, status, and date of first delinquency fields, and is subject to the same FCRA accuracy requirements as any other furnisher.
Common errors on Cavalry SPV tradelines
Re-aged date of first delinquency. The DOFD must match the original creditor's actual first delinquency. Using the date Cavalry bought the debt — or any later date — is illegal under FCRA § 605.
Original creditor mislabeled. Cavalry must accurately identify where the debt came from. When debts have been resold before reaching Cavalry, the original creditor field can be wrong.
Balance inflation. Cavalry sometimes reports balances that include post-purchase interest or fees above what the original creditor charged off.
Duplicate tradelines. If an earlier collector was already reporting this debt and Cavalry later bought it, both tradelines may still be on your report. Only the current owner should be active.
Account not yours. Mixed files and identity theft cause Cavalry tradelines to appear on the wrong consumer's report.
Status inaccuracies. Open-collection status on a debt that has already been settled, or balances that don't match payment history.
How to dispute a Cavalry SPV collection in 5 steps
1. Pull all three credit reports. Locate every Cavalry entry on Equifax, Experian, and TransUnion. Note the original creditor Cavalry lists for each tradeline.
2. Document the specific error. Compare against your own records — original creditor statements, prior collector letters, anything that memorializes the correct data. Pinpoint the exact field that's wrong.
3. Send a debt validation letter under FDCPA § 809. If Cavalry is actively contacting you, you have 30 days from first contact to demand validation. Even outside that window, a written request forces Cavalry to produce documentation. See our debt validation letter guide.
4. File bureau disputes under FCRA § 611. Every bureau showing the item gets its own dispute. The bureau has 30 days to investigate and respond.
5. Send a direct dispute to Cavalry under FCRA § 623. Cavalry has its own investigation obligation as the furnisher, separate from the bureau process.
What to include in your dispute letter
- Full name, current address, date of birth, last four of SSN
- Cavalry account number (last four digits)
- Original creditor as Cavalry lists it
- A specific description of the error and the correct information
- Your requested remedy: correction or deletion
- Copies of any supporting documents
Send direct disputes and validation letters to:
Cavalry Portfolio Services, LLC 500 Summit Lake Drive, Suite 400 Valhalla, NY 10595
Use certified mail with return receipt. Keep copies of everything — letter, receipt, and green card.
If the bureau verifies the Cavalry tradeline
A "verified as accurate" response from the bureau typically means Cavalry's automated e-OSCAR system matched the bureau's data — not that a person reviewed actual records. Your response is a second-round dispute requesting the method of verification under FCRA § 611(a)(7).
Ask for: the person at Cavalry who performed the verification, the documents reviewed, the fields verified, and the procedure used. A vague "verified" response is not compliant with § 611(a)(7) and is useful leverage.
Escalating to the CFPB
If two rounds of disputes don't resolve the issue, file a CFPB complaint. Cavalry responds to CFPB complaints within the federal response window. Attach your dispute history, bureau responses, and validation documents.
Your FDCPA rights when Cavalry is actively collecting
If Cavalry Portfolio Services is calling, mailing, or texting you, your FDCPA rights include:
- Debt validation upon written request within 30 days of first contact
- No contact at work if your employer prohibits it and you've notified them
- No threats of lawsuit or action Cavalry doesn't intend to take
- Honoring written cease-and-desist requests
- No misrepresentation of the amount, legal status, or character of the debt
FDCPA § 813 provides statutory damages for violations.
When to get help
If two rounds of disputes and a CFPB complaint haven't resolved the inaccuracy, a consumer protection attorney can take the case on contingency. FCRA and FDCPA claims against debt buyers are routinely handled this way. Bring your dispute history, bureau responses, and credit reports showing the disputed tradeline.
Pull the reports. Find every Cavalry entry. Identify the specific error. Send validation and bureau disputes in parallel. Work the process.