Consumer complaint received 2024-10-02
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC. (TX)

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XX/XX/year> Caine & Weiner XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Re : Alleged Debts - Account # XXXX ( {$99.00} ) and Account # XXXX ( {$100.00} ) Sent via CFPB To Whom It May Concern : This letter serves as a follow-up to my initial dispute and request for validation XXXX XXXX XXXX XXXX ( CFPB Complaint # XXXX ), regarding the above-referenced alleged debts. Your responses have been inadequate and potentially in violation of several consumer protection laws. 

1. Violation of the Fair Debt Collection Practices Act ( FDCPA ) : Your failure to provide proper validation as initially requested constitutes a violation of 15 U.S.C. 1692g ( b ). The information you've provided is insufficient and does not meet the statutory requirements for debt validation. 

2. Expedited Response Requirement : As this is a follow-up to my initial dispute, you are now required to respond within 15 days of receipt of this communication, as per industry standards and best practices for disputed debts.

3. Communication Channel : All further communication regarding this matter must be conducted through the Consumer Financial Protection Bureau ( CFPB ) platform to ensure proper documentation and regulation of our exchanges. 

4. Potential Violation of the Fair Credit Reporting Act ( FCRA ) : If you have reported these disputed debts to any credit reporting agencies without noting them as disputed, you are in violation of 15 U.S.C. 1681s-2 ( a ) ( 3 ). Provide evidence of your compliance with this section immediately.

5. Time-Barred Debt : These alleged debts may be outside the statute of limitations for debt collection in Texas. Any attempt to collect time-barred debts violates the FDCPA and Texas law .

6. Incomplete Information : Your verification lacks critical information, including : a. A complete account history showing all charges and payments b. Proof of assignment or sale of the debt from XXXX to Caine & Weiner c. Copies of the original signed contracts d. Explanation of how the alleged balances were calculated 7. Request for Investigation : Pursuant to the FCRA, conduct a reasonable investigation into the accuracy of these alleged debts immediately.

8. Cease and Desist : Cease all communication with me regarding these alleged debts, except through the CFPB platform to provide the requested validation or to inform me of specific actions as permitted under 15 U.S.C. 1692c ( c ).

9. Demand for Removal : Immediately request the removal of any negative information related to these accounts from all credit reporting agencies.

10. Notice of Legal Action and Regulatory Complaints : Be advised that I am actively consulting with legal counsel regarding potential statutory damages for violations of the FDCPA, FCRA, and applicable state laws. Furthermore, I am simultaneously filing complaints with the Federal Trade Commission ( FTC ) and the Texas Attorney General 's Office regarding your handling of this matter.

11. Documentation Requests : Provide : a. Copies of all communications with the original creditor regarding these alleged debts b. Proof that Caine & Weiner is licensed to collect debts in Texas c. Complete chain of title for these alleged debts You have 15 days from receipt of this letter to provide the requested validation and documentation. Failure to do so will be considered an admission that you can not validate these debts, and I will expect immediate cessation of all collection efforts and removal of any related negative items from my credit reports. 

This letter is not a contract or agreement to pay, nor is it an acknowledgment of any debt. I reserve all rights under the FDCPA, FCRA, Texas law, and all other applicable laws. 

Sincerely, XXXX XXXX XXXX cc : Consumer Financial Protection Bureau Federal Trade Commission Texas Attorney General 's Office XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX