Consumer complaint received 2018-02-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC. (PA)

Re : Validation and Proof of Claim To Whom it May Concern : This letter is being sent to you in response to a listing on my credit report. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, ( FDCPA ) 15 USC 1692g which provides in pertinent part : ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 

As you know, if you can not verify the purported debt, you must correct any erroneous reports concerning this matter.

Additionally, please consider this letter as my demand that you provide : ( a ) evidence of your authorization to act in connection with this purported debt ; ( b ) your legal basis for collection of information ; ( c ) your legal basis to collect this purported debt ; ( d ) evidence that you are authorized to conduct business or operate in this state ; ( e ) proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature ; and ( f ) a complete account history, including any charges added for collection activity.

You have thirty ( 30 ) days from receipt of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter. Additionally, should you fail to timely respond I will assume that you placed this item on my credit report ( s ) in error and that this matter is permanently closed. To recap : provide the required verification, or correct the record and remove this invalid debt from all sources to which you have reported it.

Lastly, for the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be necessary. 

Finally, take note that this is a request for information only, and is not a statement, election, or waiver of status.