Consumer complaint received 2026-03-02 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 have contacted you numerous times regarding this alleged account and have not received proper validation. I REFUSE TO PAY THIS DEBT. Your continued collection attempts without furnishing complete original account-level documentation demonstrate a failure to comply with federal consumer protection laws. This letter serves as formal notice that you must immediately cease all collection activity unless and until lawful validation is produced. Collection activity includes, but is not limited to, phone calls, written correspondence, electronic communications, and reporting, verifying, or updating information with any consumer reporting agency. I am demanding full validation of this alleged obligation. Specifically, I require ALL Original Account Level Documentation ( OALD ). I am not requesting internal system notes, account summaries, payment spreadsheets, or documents described merely as available documentation. I require authentic original records generated and maintained by the original creditor. Identify the individual who claims to have requisite and personal knowledge of the facts concerning this alleged debt, including the genuineness and authenticity of the account and possession of XXXX. That person must be competent to establish a prima facie case consistent with XXXX XXXX XXXX XXXX XXXX. XXXX. XXXX, XXXX XXXX XXXX XXXX, XXXX [ XXXX ]. Requisite knowledge can not be based solely upon a review of your internal records. Confirm that this same individual has personally reviewed the original account-level documentation and is familiar with the original creditors record-keeping practices in accordance with XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX [ XXXX XXXX XXXX ]. Provide a complete chain of title reflecting lawful ownership of this account. This must include : The name of every prior debt owner Copies of all assignments of the alleged debt ALL previous assignments executed by prior holders Additionally, provide a certified or properly authenticated copy of each bill of sale or transfer document evidencing the transfer of ownership from the original creditor at charge-off through each successive purchaser, including Caine & Weiner XXXX Provide a signed document evidencing the opening of the account. Further, provide XXXX reflecting purchases, payments, or other actual use of the account by me. Provide XXXX reflecting the original principal balance of the alleged debt, excluding any post charge-off or post-judgment additions. If the balance currently claimed exceeds the post charge-off or post-judgment amount, provide a detailed accounting explaining how the amount was calculated and identify the contractual provision and legal authority authorizing such increases. I require a complete transactional history of the account from inception with the original creditor, including full monthly statements. All original account-level documentation must be mailed directly to my address as reflected in the header of this dispute. These documents must originate from the original creditor and not be reproduced solely on debt collector letterhead. Provide documentation reflecting the original contractual terms and conditions governing the account at the time it was opened, along with any amendments, modifications, or updated terms thereafter. Disclose the date of the last payment made to the original creditor. Confirm that you are not attempting to collect on a time-barred debt outside the applicable statute of limitations. Misrepresentation of the legal enforceability of a debt is prohibited under 15 U.S.C. 1692e ( 5 ). Provide your written policies and procedures governing dispute investigations, including a description of the system used to maintain compliance with those procedures. This correspondence constitutes a Direct Dispute. You are required to conduct a reasonable and complete investigation within 30 days of receipt pursuant to 15 U.S.C. 1681i ( a ) ( 1 ). If you attempt to deem this dispute frivolous or irrelevant, be advised that my full legal name, mailing address, and the account number as reported appear in the header of this request. Any such determination must be communicated in writing within XXXX days of receipt. Provide written confirmation of the current legal status of this account within your records. You are prohibited from using any false, deceptive, or misleading representation in connection with this alleged debt pursuant to 15 U.S.C. 1692e ( 10 ). I am prepared to enforce my rights under federal consumer financial protection laws and pursue legal remedies in a court of competent jurisdiction pursuant to 12 U.S.C. 5565 ( a ) ( 1 ) for violations under the FDCPA, 15 U.S.C. 1692a, 1692e, 1692l, and the FCRA, 15 U.S.C. 1681s-2. I am aware of statutory damages of up to {$1000.00} per violation in addition to actual damages incurred. You are provided 30 days to supply all requested documentation and to immediately remove any unlawful credit reporting associated with this account. Failure to permanently delete this account and issue a debt waiver will result in litigation filed in a proper venue within my county. This statement is true and lawful.

Company response to consumer: Closed with non-monetary relief