Consumer complaint received 2023-12-23 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: MN

Complaint narrative:
Caine and Weiner ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX floor, XXXX XXXX CA XXXX ) have violated my rights as a federally protected consumer. Subject : I- XXXX XXXX XXXX a clearly states it is the policy of XXXX XXXX each financial institution has an affirmative and continuing obligation to protect the privacy of XXXX  XXXX  and to protect the security and confidentiality of those customers nonpublic personal information. XXXX XXXX XXXX section XXXX states XXXX have the right to privacy pursuant to XXXX XXXX XXXX section XXXX states any consumer reporting XXXX  must furnish a consumer report under the following circumstances and no other XXXX ) In response to the order of a court having jurisdiction to issue such an XXXX, or a subpoena issued in connection with proceedings before a Federal grand jury. XXXX ) In accordance with the written instructions of the consumer to whom it relates. Caine and Weiner has XXXX XXXX information, XXXX  personally identifiable XXXX information. I have never contracted, nor have I ever authorized by XXXX XXXX XXXX XXXX XXXX communication of any kind to use my personal nonpublic XXXX  information with Caine and Weiner. These companies do not care about consumers right to privacy. XXXX XXXX XXXX section XXXX Reasonable procedures. It is the purpose of this title to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the XXXX XXXX XXXX, and proper utilization of such information in accordance with the requirements of this XXXX. So not only are they noncompliant with the LAW XXXX  have also committed XXXX XXXX These companies are using my personal identifying information to unjustifiably and intentionally deformed XXXX  character in public. According to XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( XXXX ) There is a need to insure that consumer reporting XXXX  exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Along with Caine and Weiner ALL CONSUMER reporting XXXX  are allowing this to happen. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Again, if I never contracted with Caine and Weiner XXXX where did they get XXXX  personally identifiable XXXX  information? Per the CFPB I sent a dispute letter requesting for competent Pursuant to XXXX XXXX XXXX Please Provide proof and ALL documentation for your in depth investigation on this XXXX  information/Account or Remove it from my credit report Immediately, Including but not limited to : XXXX My signature on the contract for this debt XXXX of title for this debt XXXX of title that gives Caine and Weiner XXXX authorization to collect XXXX this XXXX XXXX list of the payment history made by XXXX  on this account XXXX and ALL insurance claims filed on this debt XXXX Original signed contract that shows I am responsible for this debt XXXX credit application for this debt XXXX verification and documentation about why this is a debt that XXXX XXXX required to pay to Caine and Weiner XXXX that you have the legal authority to collect on this debt XXXX XXXX verification and documentation that there is a valid basis for claiming that XXXX XXXX required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? The amount and age of the debt, including : XXXX copy of the last billing statement sent to XXXX  by the XXXX XXXX. XXXX the amount of the debt when you obtained it, and when that was. XXXX Have there been any additional XXXX XXXX XXXX charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. XXXX addition, explain how the added XXXX XXXX XXXX XXXX charges are expressly authorized by the agreement creating the debt or are permitted by XXXX. XXXX there been any payments or other reductions since the last billing statement from the original creditor, XXXX an itemization showing the XXXX XXXX XXXX of each of them. XXXX there been any other changes or adjustments since the last billing statement from the original creditor? XXXX Please provide full XXXX XXXX XXXX of the amount you are trying to collect. XXXX how that amount was calculated. XXXX In addition, explain how the other XXXX XXXX XXXX are expressly authorized by the agreement creating the debt or permitted by law. XXXX me when the creditor claims this debt became due and when it became delinquent and How and why XXXX XXXX  when you think the statute of limitations expires for this debt, XXXX -Provide documentation that proves the statue of limitation and how you determined determent it XXXX about your authority to collect this debt. XXXX your firm have a debt collection license from my state? If not, say why not. XXXX yes, provide the XXXX of the license, the XXXX  on the license, the license XXXX, and the XXXX XXXX XXXX XXXX number of the state XXXX  issuing the license. XXXX If you are contacting me from a place outside XXXX  state, does your firm have a debt collection license from that place? XXXX yes, provide the XXXX  of the license, the XXXX  on the license, the license XXXX, and the XXXX, XXXX  and XXXX  number of the state XXXX  issuing the license. Caine and Weiner has ignored my request. Pursuant to XXXX. XXXX a ( i ) ( XXXX ) i am requesting this disputed item to be removed from my credit report Immediately Since you have failed to comply with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX by failing to maintain my records with XXXX XXXX XXXX XXXX XXXX as is necessary to guarantee fairness in any determination shall Not use such record Caine and Weiner FAILED and once again REFUSED to remove the account from my credit report even though they Failed to Validate it In order to make sure that I am not put at any disadvantage, in the meantime please treat this debt as being in dispute and under discussion between us. Please Remove this debt from my credit report Immediately What would be fair Resolution XXXXCaine and Weiner to XXXX all above described documents to validate this debt XXXX If Caine and Weiner XXXX not XXXX above documents to validate this debt Caine and Weiner XXXX remove XXXX this negative improper XXXX  derogatory information from my credit report XXXX Caine and Weiner be XXXX accountable for - XXXX, false statement made in my credit report - Damaging my reputation with the derogatory statements- Punitive damages XXXX Caine and Weiner be held accountable for refusing and failing to provide the above documents after my complaint with CFPB and responding to this complaint XXXX resolving /validating / providing documents above described necessary to validate the debt XXXX Caine and Weiner be fully investigated and held XXXX for XXXX on senior citizens like myself defrauding senior citizens like XXXX  and getting away with it by not providing the documents as required to validate the False/inaccurate debt Notice of Formal Dispute XXXX XXXX writing to formally dispute the amount of {$130.00}. that XXXX  claim XXXX  oweXXXX XXXX XXXX currently disputing the validity and accuracy of this debt and demand that XXXX  either provide all the necessary documentation as required by the Consumer Financial Protection Bureau ( CFPB ) and the Fair Debt Collection Practices Act ( FDCPA ), or DELETE the debt from XXXX  records. It is my belief that among other issues Caine and Weiner are in Violation of all below. Fair Debt Collection Practices Act ( FDCPA ) : Debt XXXX must comply with the provisions outlined in the FDCPA, a federal law governing debt collection practices. It prohibits abusive, deceptive, or unfair practices and sets guidelines for communication, validation of debts, and disclosure of rights to consumers. Validation of Debts : Upon receiving a debt collection request, debt XXXX must provide consumers with XXXX  validation of the debt. This validation should include details such as the amount owed, the original creditor, and information on the consumer 's rights to dispute the debt. Dispute Resolution : Debt XXXX must provide a XXXX  for XXXX  to dispute the debt and request verification. They must investigate and respond to consumer disputes within XXXX  XXXX  timeframe. Prohibited Practices : Debt XXXX are prohibited from engaging in certain practices, such as misrepresenting the XXXX  amount, falsely implying legal action, or threatening actions they can not legally take. They must provide accurate and truthful information to consumers. I DEMAND you provide all the above XXXX  pursuant to the CFPB and Fair Debt Collection Practices Act ( FDCPA ) or DELETE the debt. In the absence of providing the requested documentation, I demand that you DELETE the debt from your records and cease any further collection efforts associated with it. Please note that the CFPB regulations require XXXX  to provide the requested XXXX  within XXXX  days of receiving this XXXX  request. I appreciate XXXX  attention to this matter and your prompt response. 
The alleged debt has been charged off by the original creditor. Per the IRS a charge off is considered to be cancelled for the forgiven or XXXX amount. The amount is no longer owed, but it must be reported the XXXX  year as XXXX. XXXX has a blog article that is called XXXX is not a part of your XXXX credit history and therefore not included in your XXXX XXXX XXXX and XXXX has an article on their website XXXX things that wont affect XXXX  XXXX XXXX or credit worthiness XXXX point in the article was income. When there are documents on the consumer reporting XXXX  stating XXXX should not be on the consumer report why is XXXX? PROVIDE ALL DOCUMENTS and prove the debt isnt income or REMOVE the alleged debt. If there are any questions, please dont hesitate to contact me at the email address XXXX.

Company response to consumer: Closed with explanation