Consumer complaint received 2024-02-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, FL XXXX XXXX XXXX | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Subject : Formal Dispute and Request for Validation of Alleged Debt To Whom It May Concern, I am writing to formally dispute the handling of my alleged debt account by your agency, [ Collection Agency 's Name ], and to request immediate validation of this debt, pursuant to the Fair Debt Collection Practices Act ( FDCPA ) and the regulations set forth by the Consumer Financial Protection Bureau ( CFPB ) under 12 CFR 1006.34 ( b ) ( 5 ), among other relevant laws and regulations.

It has come to my attention that your agency has placed a collection account on my consumer report without providing me with the required validation information. This action is a clear violation of my rights under 12 CFR 1006.34 ( b ) ( 5 ), which mandates that debt collectors must provide consumers with specific information validating the debt before taking such measures.

Furthermore, I have not been given the opportunity to dispute the account as required by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This lack of due process is not only unfair but also illegal, denying me my rights under federal law to question and dispute the alleged debt.

Your agency 's practices have also raised serious concerns regarding the use of false, misleading, misrepresentation, and deceptive means in attempting to collect a debt. Such actions are in direct violation of the principles and laws designed to protect consumers from abusive debt collection practices.

Additionally, I have been made aware that your agency has furnished information to consumer reporting agencies without providing all disclosures required by law, specifically violating 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ). This is unacceptable and unlawful, further demonstrating a disregard for the legal obligations that govern your operations.

In light of these violations, I am hereby revoking any consent for your agency to communicate with me via email, phone, or chat. Be advised that any attempt to contact me through these channels will be considered a violation of my rights, subjecting your agency to a fine of {$1000.00} per attempt, in accordance with the provisions of the FDCPA. 

To resolve these issues, I am requesting the following : XXXX. Immediate provision of debt validation, including but not limited to the amount of the debt, the name of the original creditor, and a detailed statement of my right to dispute the debt. 
XXXX. A copy of the purchase agreement between your agency and the original creditor, proving your legal authority to collect this debt. 
XXXX. Proof that your agency is licensed and bonded to collect debts in my state, as required by law. 

Please understand that this letter is not an acknowledgment of the debt but a statement of my rights and your obligations under the law. I expect a prompt response to this letter, including the requested documentation, within XXXX days of receipt, as mandated by the FDCPA. 

Failure to comply with these requests and to rectify the violations outlined above may result in legal action against your agency, including but not limited to complaints filed with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 

I look forward to your cooperation in resolving this matter amicably and lawfully. 

Sincerely, XXXX XXXX XXXX XXXX XXXX with account number XXXX ( Date : XX/XX/XXXX )