Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: SC

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX SC XXXX Date : XX/XX/year> Caine & Weiner XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Re : Formal Notice of Dispute, Demand for Validation, and Notice of Intent to Sue Reference Number : XXXX To Whom It May Concern, This letter serves as my formal dispute of the above-referenced alleged debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 
I do not acknowledge any debt to your company, XXXX XXXX XXXX, or any entity you claim to represent. This correspondence is not a refusal to pay, but a demand for strict proof that this alleged obligation is valid, accurate, and legally enforceable. 

DEMAND FOR FULL DEBT VALIDATION & PROOF OF OWNERSHIP Pursuant to 15 U.S.C. 1692g ( b ), you are required to cease all collection activity until you provide competent evidence of the debt, including but not limited to the following : A complete copy of the original contract or agreement bearing my signature that created the alleged debt.

A complete account history from the original creditor, including statements showing how the balance was calculated. 


The full chain of title, including the Bill of Sale, Assignment, and any Purchase & Sale Agreement, proving the lawful transfer of the alleged debt from XXXX XXXX XXXX XXXX to XXXX XXXX XXXX, and subsequently to your agency if applicable. 


Proof of your legal authority to collect, including your debt collector license for the State of South Carolina. 


Proof the debt is within the applicable statute of limitations for collection and reporting. 


Verification of accuracy as required under FCRA 1681s-2, including certification that the information reported to any consumer reporting agency is complete, accurate, and verifiable. 


Failure to provide the above constitutes non-compliance with federal law. 

NOTICE REGARDING CREDIT REPORTING If this account is being reported, or has been reported, to XXXX, XXXX, or XXXX, you are hereby notified that : Reporting unverified, inaccurate, or incomplete information violates FCRA 1681e ( b ) and 1681s-2 ( b ). 


Continued reporting without validation constitutes willful noncompliance under 15 U.S.C. 1681n, exposing your company to statutory, actual, and punitive damages. 


If you can not fully validate this account, you are required to permanently delete it from all consumer reporting agencies and cease all collection efforts, including internal records. 

NOTICE OF INTENT TO LITIGATE Take formal notice that if you : Continue collection activity without validation, Fail to provide the requested documentation, Continue or reinsert this account on my credit reports without lawful verification, or Misrepresent the character, amount, or legal status of the alleged debt, I will pursue legal action without further notice under the FDCPA ( 15 U.S.C. 1692k ) and FCRA ( 15 U.S.C. 1681n & 1681o ), including claims for statutory damages, actual damages, attorneys fees, and court costs.

This letter serves as your final opportunity to cure these violations. 

NO CONSENT / COMMUNICATION NOTICE You are instructed to communicate only in writing. Any telephone contact is hereby refused. Failure to honor this request may constitute harassment under FDCPA 1692c.

Please govern yourselves accordingly. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation