Consumer complaint received 2024-12-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: MD

Complaint narrative:
This letter is in response to your recent correspondence dated XX/XX/year> regarding the disputed account and your continued communication despite my explicit request for a cease and desist. 

I must reiterate that I formally notified your office on [ Insert Date of Original Letter ] under 15 USC 1692C ( c ) that I refuse to pay the debt in question and that all forms of communication, including reporting this account to any consumer credit reporting agencies, must cease immediately. The only communication I permitted was written correspondence mailed to my address to confirm the deletion of this account from your records. 

Despite this, your letter suggests that you either did not receive my previous request or are willfully ignoring it. Additionally, your communication via phone and your suggestion to continue reaching you via telephone are direct violations of the Fair Debt Collection Practices Act ( FDCPA ), which prohibits further contact after a valid cease-and-desist request has been made. 

Furthermore, while you claim to be working with the creditor, you have failed to provide the detailed information I requested to validate this debt under the Fair Credit Reporting Act ( FCRA ). I have yet to receive the following : Details of the Investigation : Evidence uncovered to confirm the accuracy and legality of reporting this account. 
Certified Documentation : Copies of certified documents used to validate the account. 
Communication Details : Complete documentation of all communication between your office and the creditor, including dates, participants, and nature of discussions.

Verification Costs : An itemized breakdown of the costs incurred in obtaining the required documentation for verification.

Employee Competency : Names, titles, and qualifications of employees involved in handling the investigation. 
Delinquency Information : Specific date the delinquency commenced and the expected date for cessation of reporting for this account. 
Your failure to provide this information constitutes a violation of my rights under the FDCPA and FCRA, and your ongoing communication disregards my clear refusal to pay the alleged debt. 

Additionally, you acknowledged that the account is currently under review due to identity theft documentation recently submitted. This further underscores the need for you to cease all reporting activity on this account immediately and to conduct a meaningful and thorough investigation as required by law. 

Formal Demands : Immediate Cease of All Communication and Reporting : You must immediately cease all communication regarding this matter, including reporting the account to consumer credit reporting agencies. 
Complete and Specific Verification : You must provide all the requested verification and investigation details outlined in my prior correspondence. 
Written Confirmation : I demand written confirmation of the permanent deletion of this account from all records, including credit reports. 
Failure to comply with these demands will result in formal complaints to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and appropriate state authorities. I also reserve the right to pursue legal action for violations of my consumer rights under the FDCPA and FCRA. 

This matter must be resolved in full compliance with all applicable federal laws. I expect your response to this letter, along with all requested information, to be sent via written correspondence to my address no later than [ Insert Deadline, e.g., 15 business days from the date of this letter ].

Company response to consumer: Closed with explanation