Consumer complaint received 2025-05-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC.
State: AL

Complaint narrative:
Subject : Formal Complaint, Cease & Desist Request, and Demand for Credit Report Correction To Whom It May Concern, I am writing to formally dispute the alleged debt associated with my name and demand immediate cessation of any and all communications regarding this matter. Under federal regulations, debt collectors are required to provide accurate and complete disclosures to consumers. However, I believe that Caine & Weiner Company , Inc. has violated my rights under the following laws : 12 CFR 1006.34 ( b ) ( 5 ) Requires debt collectors to provide consumers with a validation notice that includes itemized details about the debt, including interest, fees, and other charges. 

12 CFR 1006.34 ( c ) ( 4 ) ( i ) Mandates that debt collectors clearly disclose any additional charges added to the debt, ensuring transparency in how the balance is calculated. 

12 CFR 1006.34 ( d ) Ensures that debt collectors provide clear and conspicuous validation notices that are easy for consumers to understand.

12 CFR 1006.38 Grants consumers the right to dispute a debt and request the name and address of the original creditor. Debt collectors must cease collection efforts until they provide verification of the debt or the requested creditor information.

15 U.S.C. 1681s-2 ( a ) ( 7 ) ( A ) Prohibits debt collectors from reporting inaccurate or unverifiable information to credit bureaus.

15 U.S.C. 1681i Requires credit reporting agencies to investigate disputes and remove unverifiable or inaccurate information from a consumers credit report. 

Given these protections, I am unaware of any outstanding debt under my name and have not received proper notification regarding this matter. As such, I formally request the following actions from your company : Proof of Debt Notification If you believe proper notification of this debt has been provided, I demand that you send the certified receipt with my signature, verifying that I received such correspondence. 

Purchase Agreement Provide documentation showing the purchase agreement between your company and the original creditor to verify the legitimacy of your claim. 

Licensing and Bonding Information Submit proof of your licensing and bonding status, as well as clarification on which state ( s ) you are authorized to collect debts in. Additionally, explain how you have legal authority to pursue collections in the state of Alabama. 

Cease & Desist Demand Effective immediately, I demand that Caine & Weiner Company , Inc. cease all communications with me in every form, including but not limited to phone calls, text messages, emails, mailed letters, and any other form of contact. Furthermore, this cease and desist order also applies to any claims regarding the alleged debt itself. 

Immediate Removal of Debt from Credit Report You never had the right to report this alleged debt to credit bureaus without proper verification. Under 15 U.S.C. 1681i, I demand that this claim be deleted immediately from my credit report. Failure to comply with this request may result in legal action against your company for violating federal consumer protection laws. 

Failure to provide the requested documentation within 30 days will indicate an inability to validate this debt claim, in which case I will consider the matter closed. Any continued attempts to collect this unverified debt or failure to remove it from my credit report may be viewed as a violation of my consumer rights under federal and state law and may result in further legal action. 

I request your prompt attention to this matter and expect your written response, along with the requested documentation, at your earliest convenience. Please direct all correspondence to my address listed.

Company response to consumer: Closed with explanation