Consumer complaint received 2024-06-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC. (MI)

XXXX XXXX XXXX XXXX XXXX, Michigan, XXXX XXXX XXXX XX/XX/year> Caine & Weiner XXXX XXXX XXXX XXXX XXXX XXXX, Texas, XXXX Subject : Formal Complaint and Dispute of Debt Collection Practices To Whom It May Concern, I am writing to formally dispute the debt collection account referenced in my consumer report and to lodge a complaint against Caine & Weiner for violations of federal consumer protection laws. 

XXXX XXXX XXXX Background : Caine & Weiner has placed a collection account on my consumer report. However, the agency has failed to provide the required validation information in accordance with 12 CFR 1006.34 ( b ) ( 5 ). Furthermore, I have not been given an opportunity to dispute this account as mandated by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). The collection agency 's actions violate my consumer rights and constitute the use of false, misleading, and deceptive means in debt collection practices. XXXX XXXX XXXX  Violations : 1. **Failure to Provide Validation Information : ** According to 12 CFR 1006.34 ( b ) ( 5 ), a debt collector is required to provide certain validation information to the consumer. To date, I have not received any such validation from Caine & Weiner. 

XXXX. **Failure to Provide Opportunity to Dispute : ** Under 12 CFR 1006.34 ( c ) ( 4 ) ( i ), I should have been given the opportunity to dispute the debt. This has not occurred, thereby violating my rights as a consumer.

3. **False, Misleading, and Deceptive Practices : ** By placing the collection on my consumer report without providing the necessary validation and dispute opportunities, Caine & Weiner is employing false, misleading, and deceptive means in violation of 12 CFR 1006.34 ( d ).

4. **Unauthorized Furnishing of Account Information : ** Caine & Weiner has no authority to furnish any account information to consumer reporting agencies without providing all disclosures required by law. This act is in clear violation of both 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( 7 ) ( A ).

# # # Requested Actions : 1. **Immediate Removal of Collection Account : ** I demand the immediate removal of the collection account from all consumer reporting agencies.

2. **Provision of Validation Information : ** I request that Caine & Weiner provide all validation information for the alleged debt as required by 12 CFR 1006.34 ( b ) ( 5 ).

3. **Confirmation of Dispute Opportunity : ** Confirm that I have the right to dispute the debt and provide clear instructions on how to do so in compliance with 12 CFR 1006.34 ( c ) ( 4 ) ( i ).

4. **Cease Further Collection Activities : ** Cease all collection activities until the above issues are resolved and compliance with federal laws is achieved.

Please respond to this letter within 30 days of receipt to avoid further action. Failure to address these issues promptly will result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) and other appropriate authorities. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX