Consumer complaint received 2026-03-19 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:
FORMAL DISPUTE DEMAND FOR VALIDATION AND PROOF OF STANDING To Whom It May Concern : This letter serves as formal notice that the above-referenced account is disputed in its entirety. I recently discovered that Caine & Weiner Company , Inc. is attempting to collect and/or report an alleged debt on my consumer credit file. DEMAND FOR VALIDATION Pursuant to 15 U.S.C. 1692g You are required to cease collection activity until this alleged debt is properly validated. You must provide the following documentation : The name and address of the original creditor The exact amount of the alleged debt A complete accounting of the balance The date of default The date of charge-off The complete payment history A copy of the original contract or agreement bearing my signature DEMAND FOR PROOF OF OWNERSHIP AND STANDING Because Caine & Weiner Company , Inc. is not the original creditor, you must provide competent evidence establishing your legal authority to collect and report this alleged debt. Provide the following : The Purchase and Sale Agreement The Forward Flow Agreement The Bill of Sale The Account-Level Assignment identifying my specific account The complete chain of title from the original creditor to Caine & Weiner Company , Inc . A generalized bill of sale without identifying my specific account is insufficient evidence of ownership. Courts have consistently required debt collectors to demonstrate standing through account-level documentation. See : XXXX v. Portfolio Recovery Associates , LLC, 2013 WL 4511476. The Court held that a debt buyer must demonstrate actual ownership of the specific account through a documented chain of assignment. NOTICE REGARDING CREDIT REPORTING If Caine & Weiner Company , Inc. continues to report this alleged debt without providing proper validation and proof of ownership, such conduct may violate : 15 U.S.C. 1692e False representation of a debt 15 U.S.C. 1692f Unfair collection practices 15 U.S.C. 1692g ( b ) Continuing collection without validation 15 U.S.C. 1681s-2 ( b ) Failure to conduct a reasonable investigation Furnishing information that can not be substantiated constitutes inaccurate reporting under the Fair Credit Reporting Act. DEMAND FOR DELETION If Caine & Weiner Company , Inc. can not provide the requested documentation within thirty ( 30 ) days, you must : Immediately cease collection efforts Delete all reporting of this account from all consumer reporting agencies Provide written confirmation of deletion NOTICE OF INTENT TO ESCALATE Failure to comply will result in : Disputes filed with XXXX XXXX, and XXXX Arbitration proceedings where applicable Federal litigation under the FDCPA and FCRA I will seek statutory damages, actual damages, and attorneys fees as allowed by law. This letter is not a refusal to pay, but a notice that the alleged debt is disputed and must be validated. Govern yourselves accordingly.

Company response to consumer: Closed with explanation