Consumer complaint received 2025-11-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: CA

Complaint narrative:
This complaint is filed against the above-named company for violations of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 16921692p, and the California Rosenthal Fair Debt Collection Practices Act ( Cal. Civ. Code 17881788.33 ). The company has reported and is attempting to collect a debt that I dispute, and it has failed to provide the legally required validation and documentation under FDCPA 809 ( 15 U.S.C. 1692g ).

On or about [ insert approximate date ], I mailed a written request for debt validation and a cease-communication notice to the company. To date, I have not received a complete or lawful verification as required under federal and state law. Specifically, I have not received : 1. A copy of the original signed contract or agreement establishing my liability for the alleged debt.

2. A full and itemized accounting of the balance claimed, including all principal, interest, and fees.

3. Documentation demonstrating a valid assignment or purchase agreement transferring ownership or authority to collect this debt.

4. Proof of the companys current license or registration to collect debts within the State of California.

Pursuant to FDCPA 809 ( b ) ( 15 U.S.C. 1692g ( b ) ), the company must cease all collection activity until the requested verification has been provided. Continuing to report this account to credit bureaus or engage in collection without validation constitutes a violation of both the FDCPA and the FCRA ( 15 U.S.C. 1681s-2 ).

Additionally, under FDCPA 805 ( c ) ( 15 U.S.C. 1692c ( c ) ) and California Civil Code 1788.17, I have exercised my right to limit communication. I request that the company immediately cease all communication with me except through written correspondence sent via physical mail to my residential address. All phone calls, text messages, or electronic communications are expressly prohibited. Any further attempts to contact me by other means will be considered a direct violation of law.

Legal Basis : FDCPA 1692c Prohibits continued communication after a written cease request.

FDCPA 1692e Prohibits false, deceptive, or misleading representations in connection with the collection of a debt.

FDCPA 1692f Prohibits unfair or unconscionable means of collecting a debt.

FDCPA 1692g Requires validation and verification of disputed debts before further collection.

FCRA 1681s-2 Prohibits reporting inaccurate or unverified information to credit bureaus.

California Rosenthal Fair Debt Collection Practices Act Mirrors and expands upon FDCPA protections within the state of California.

Requested Resolution : 1. Require the company to provide full and complete validation of the alleged debt, including the signed original contract, all account records, and proof of ownership or assignment.

2. If the company can not verify the debt, order the immediate deletion of all negative or inaccurate information from all credit reporting agencies.

3. Confirm in writing that the company has ceased all communication other than postal mail.

Company response to consumer: Closed with explanation