Consumer complaint received 2024-06-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: NC

Complaint narrative:
I am writing to formally lodge a complaint against Caine and Weiner, a debt collection agency, for their continued and unlawful attempts to collect a debt that I do not owe. Despite never having conducted any business with this company, they have persisted in their collection efforts, causing significant distress and harm to my reputation. 

Summary of the Issue : Debt Validation Request Ignored : On XX/XX/year>, I sent a debt validation letter to Caine and Weiner, requesting specific information regarding the alleged debt. They failed to provide the requested documentation, violating the Fair Debt Collection Practices Act ( FDCPA ) 1006.30a ( a ) - No Parking Rule. 

Cease and Desist Ignored : I also sent a cease and desist letter and a volunti nonfit injra letter, demanding that Caine and Weiner cease all communications and collection efforts regarding this alleged debt. They have ignored my requests, continuing to pursue the debt. 

Violation of XXXXederal Laws : Caine and Weiner 's actions are in direct violation of several federal laws, including : FDCPA 1006.30a ( a ) : They have continued collection activities without validating the debt.

18 USC 1028a : Their actions amount to aggravated identity theft by attempting to collect a debt not owed.

15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) : They are prohibited from furnishing information they know or have reasonable cause to believe is inaccurate.

Impact : The inaccurate reporting of this debt has severely damaged my character, reputation, and general mode of living. It has adversely affected my ability to obtain credit for personal and housing purposes, causing significant financial and emotional distress.

Legal Violations : 15 USC 1681s-2 : Duty of furnishers to provide accurate information. They have reported inaccurate information despite being notified of the errors.

15 USC 1681n and 15 USC 1681o : Willful and negligent noncompliance with the Fair Credit Reporting Act. 
15 USC 1692k : Violations of the Fair Debt Collection Practices Act.

Demands : I demand that Caine and Weiner immediately : Cease all communications and attempts to collect this alleged debt.

Delete the erroneous account from all consumer reporting agencies.

Provide a free copy of my credit report after the changes have been made.

Failure to comply with these demands within 10 calendar days will result in legal action for consumer law violations. I will seek {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud FDCPA 15 USC 1692g violations FCRA 15 USC 1681 violations for willful noncompliance - 616 [ 15 U.S.C. 1681n ] Account Information : Account Name : XXXX XXXX I urge the CFPB to investigate this matter thoroughly and take appropriate action against Caine and Weiner to prevent further violations and protect consumers from their unlawful practices. 

Thank you for your attention to this serious matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation