Sansreazon

Cavalry Portfolio Showed up on all 3 CRAs

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Recently I noticed a sharp drop in my CS (50 points) and all three CRAs showed a collection for 5900.00 by Cavalry Portfolio Services, with the OC being Citibank.  It shows date of last payment as 2014, and in Minnesota I believe has a 6 year SOL.  To date, I have not been contacted by Cavalry or any of their partners, that I know of.  I have checked state court filings and a suit has not yet been filed.  

My question is: what is my first move?  Should I send a DV?  Should I file for arbitration?  Or should I attempt a PFD?  I have doubts on the amount, and believe the OC may have charged me interest and fees in violation of the SCRA when I was active duty.  I have typed up a request for information/validation letter I found on the CFPB page, but after reading some posts hear, I did not send it.

I am in the process of reading through these posts, this is the last derogatory on my history.  Any information or assistance you could provide would be greatly appreciated.  Thank you in advance for your assistance.

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