Consumer complaint received 2024-10-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC. (FL)

I am writing to formally dispute the accuracy and legitimacy of the above-referenced accounts, which are inaccurate, incomplete, and unverifiable items that are associated with my credit profile. These accounts are not reporting 100 % accurately and there was an account opened without my authorization. I have identified multiple violations of consumer protection laws and demand immediate action to correct these inaccuracies. 

1. Fraudulent Account and False reporting CAINE & WEINER : Collection account of {$590.00}, opened without authorization.FRAUD CAINE & WEINER, I did not authorize or open Cain & Weiner, this account is a fraud. This is a clear case of identity theft, and you do not have my consent to use my personal information, including my SSN. The lack of a signed contract or agreement further proves that this collection is fraudulent. Under 15 U.S.C. 1666b, 15 U.S.C. 1692g, and 15 U.S.C. 1692k, I demand that this account be removed from my credit report immediately. 
2. Violations of Consumer Privacy and Unauthorized Use of Identification The reporting and use of my personal information without my consent is a violation of consumer privacy laws, specifically under 15 U.S.C. 6801-6809 ( Gramm-Leach-Bliley Act ). These actions also violate my rights under the Uniform Commercial Code ( UCC ), which protects consumers from unauthorized use of their identification for financial gain. 

3. Invasion of Privacy and Collection Practices Your company has violated my rights by unlawfully collecting and reporting these accounts without my authorization. This is a violation of 15 U.S.C. 1692e ( 5 ) and 15 U.S.C. 1692g, and I demand the immediate cessation of all collection activities, communication, and reporting. If my demands are not met, I will seek statutory damages for invasion of privacy and false reporting under 15 U.S.C. 1692k. 

2. Violations of Consumer Privacy and Unauthorized Use of Identification The reporting and use of my personal information without my consent is a violation of consumer privacy laws, specifically under 15 U.S.C. 6801-6809 ( Gramm-Leach-Bliley Act ). These actions also violate my rights under the Uniform Commercial Code ( UCC ), which protects consumers from unauthorized use of their identification for financial gain. 


3. Invasion of Privacy and Collection Practices Your company has violated my rights by unlawfully collecting and reporting these accounts without my authorization. This is a violation of 15 U.S.C. 1692e ( 5 ) and 15 U.S.C. 1692g, and I demand the immediate cessation of all collection activities, communication, and reporting. If my demands are not met, I will seek statutory damages for invasion of privacy and false reporting under 15 U.S.C. 1692k. 
5. Refusal to Remove and Update Failure to comply with my demands for removal, deletion, and updates of these fraudulent accounts will result in arbitration and potential legal action. By refusing to update my credit report accurately, you are further violating 15 U.S.C. 1681i ( a ) and 15 U.S.C. 1681i ( 5 ). The ongoing inaccurate reporting of these accounts will lead to statutory damages and claims for false reporting under the FCRA.

6. Potential for Arbitration and Damages If my demands are not met within 30 days, I will seek arbitration for statutory damages due to false reporting and violations of the FCRA and FDCPA. The damages resulting from inaccurate information will be sought to the fullest extent of the law.

7. Authorization and Verification I am the only debtor who can verify the legitimacy of any accounts under my name. I hereby demand that you delete all the negative items, unverifiable accounts, and inaccurate reports associated with my credit profile. Cease and desist all further communication and collection attempts immediately. 

Attached to this letter is a copy of my XXXX report ( dated XX/XX/year> ), which details the inaccuracies in my credit profile. I demand the immediate removal of all the negative accounts listed above, including hard inquiries not linked to any open accounts. 

Failure to correct these violations will result in further legal action. 

Sincerely, XXXX XXXX