Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAINE & WEINER COMPANY, INC.
State: AL

Complaint narrative:
I am reaching out again because this matter has not been properly resolved. I REFUSE TO PAY THIS DEBT. I do not recognize this alleged obligation as valid, and I will not make payment unless your company can legally substantiate its claim. Continuing to collect or report this account without proper documentation places your company in potential violation of federal consumer protection laws. Before anything else, I need to understand who at your company has actual knowledge of this account. Please identify the specific individual who can personally attest to the authenticity of the records you are relying on. That person must be able to establish a prima facie case under JMD Holding Corp v Cong. Fin. Corp., 4 NY 3d 373, 386 [ 2005 ]. Knowledge based solely on reviewing internal computer records is not sufficient. The individual must also be familiar with the original creditors record-keeping practices as required under W. Valley Fire Dist. No. 1 v Vill. of Springville, 294 AD2d 949, 950 [ 4th Dept 2002 ]. If your company is claiming ownership of this account, provide the complete chain of title. I am requesting : The name of every prior owner of the debt Copies of each assignment Each bill of sale transferring ownership from charge-off forward Proper authentication of those transfer documents If this account was sold multiple times, I expect documentation reflecting each transfer in sequence. I am also requesting ALL Original Account Level Documentation ( OALD ). This means the actual records from the original creditor not summaries, not internal spreadsheets, not collection screenshots, and not documents recreated on your letterhead. Specifically, provide : A signed agreement evidencing the opening of the account Documentation showing any purchases, charges, or activity attributed to me The original terms and conditions in effect at account opening Any amended or updated terms A complete transactional history from inception Monthly account statements If the balance you are reporting exceeds the post charge-off amount, provide a detailed breakdown explaining how that figure was calculated and identify the contractual provision and legal authority that permits such increases. Disclose the date of last payment made to the original creditor. If this account is beyond the applicable statute of limitations, you are prohibited from misrepresenting its enforceability pursuant to 15 U.S.C. 1692e ( 5 ). You are further prohibited from using any false, deceptive, or misleading representation under 15 U.S.C. 1692e ( 10 ). This correspondence constitutes a Direct Dispute. You are required to conduct a reasonable investigation within 30 days pursuant to 15 U.S.C. 1681i ( a ) ( 1 ). If you determine this dispute to be frivolous or irrelevant, you must notify me in writing within five days, as my identifying information and the account reference are clearly provided. Additionally, provide your written policies and procedures governing disputes, along with a description of the compliance system used to maintain those procedures. If you continue reporting this account without producing the documentation requested above, I am prepared to pursue remedies under 12 U.S.C. 5565 ( a ) ( 1 ) for violations of the FDCPA ( 15 U.S.C. 1692a, 1692e, 1692l ) and the FCRA ( 15 U.S.C. 1681s-2 ). I am aware that statutory damages of up to {$1000.00} per violation may apply, in addition to any actual damages incurred. You have 30 days to either provide the requested documentation or permanently delete this account and issue a debt waiver. Failure to comply will result in action filed in a proper venue within my county. This statement is true and lawful.

Company response to consumer: Closed with non-monetary relief