Consumer complaint received 2018-11-30
Company: CAINE & WEINER COMPANY, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX 2nd attempt for collection Validation. 

I recently received a billing statement from Caine & Warner. I asked for a VALIDATION not Verification. A billing statement is not a form of VALIDATION. Anyone can send a billing statement and claim they are collecting on behalf of another party. I do not have a contract with you all. Please provide a signed agreement between myself and your company. Otherwise, please feel free to have the original party reach out to me to resolve this issue. I will only respond to email or letter. 

Request for VALIDATION, NOT Verification XX/XX/XXXX Caine & Weiner RE : Accounts # XXXX To Whom It May Concern : This letter is being sent to you in response to a collection that is showing up on my credit report that I disputed, due to your erroneous reporting to the Credit Bureau XXXX , the highly negative impact on my personal credit report. I have no knowledge and do not have a contract with this company. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. This is NOT a request for verification or proof of account, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion from XXXX  request shall be sent to me immediately. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure your records are in order before I am forced to take legal action against your company. This is an attempt to correct your records, any information obtained shall be used for that purpose. Best Regards, XXXX XXXX Response from Caine & Warner XX/XX/XXXX STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response Our office received the account from the creditor in XX/XX/XXXX. Initial correspondence was sent to the consumer at that time. Our records indicate we were unable to reach the consumer by phone and that we have received no written correspondence directly from the consumer related to this account. Our records indicate that the creditor still shows the balance as due for unpaid auto insurance premiums. The consumer disputed the debt with one or more credit reporting agencies in XX/XX/XXXX. As a result of that filing our office recently mailed documentation to the consumer detailing policy information and vehicle types specific to the debt to the address listed in this complaint. The consumer is encouraged to contact our office at XXXX XXXX for further assistance in resolving the balance due with the creditor.

Company response to consumer: Closed with explanation