Consumer complaint received 2024-05-16 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC.
State: NY

Complaint narrative:
I am writing to file a formal complaint against Caine & Weiner Collections Agency regarding their unlawful debt collection practices and violations of consumer protection laws. I believe that the agency has egregiously breached several provisions of the Code of Federal Regulations ( CFR ) and the Fair Credit Reporting Act ( FCRA ), as detailed below : Violation of 12 CFR 1006.34 ( b ) ( 5 ) : Caine & Weiner Collections Agency hs failed to proviade validation information for the alleged debt, as required by 12 CFR 1006.34 ( b ) ( 5 ). Despite this failure, they have placed a collection on my consumer report, causing unwarranted harm to my credit standing.

Denial of Dispute Rights under 12 CFR 1006.34 ( c ) ( 4 ) ( i ) : I have not been given the opportunity to dispute the accuracy of the account, as mandated by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This denial of my dispute rights is a clear violation of consumer protection regulations and has deprived me of my legal rights.

Use of False, Misleading, and Deceptive Means : Caine & Weiner Collections Agency has engaged in practices that are false, misleading, and deceptive. Their actions have violated my consumer rights and have contributed to an environment of unfairness in debt collection, in direct contravention of established laws and regulations. 
Violation of Disclosure Requirements under 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) : The agency has furnished the account to consumer reporting agencies without providing necessary disclosures required by law, as stipulated in 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ). This violation has resulted in inaccurate reporting of information on my consumer report, further damaging my financial reputation.

In light of these violations, I request that the Consumer Financial Protection Bureau intervene in this matter and take appropriate action against Caine & Weiner Collections Agency. Furthermore, I urge the bureau to ensure that the collection account associated with my name is promptly deleted from my consumer report, as it has been reported inaccurately and unfairly. 
Additionally, I am requesting that the CFPB address the following requests to Caine & Weiner Collections Agency on my behalf : I dispute owing any and all debts claimed by your agency and request validation of any alleged debts.

I am revoking all rights for Caine & Weiner Collections Agency to communicate with me via email, text, or phone.

I request debt validation, including documentation validating the debt, the original creditor 's name, the amount owed, and the nature of the debt.

I request the purchase agreement between Caine & Weiner Collections Agency and the original creditor pertaining to any alleged debt associated with my name.

I request proof that Caine & Weiner Collections Agency is licensed and bonded to operate as a debt collection agency.

Thank you for your attention to this matter. I trust that the CFPB will conduct a thorough investigation and take appropriate action to rectify these violations and uphold consumer rights. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation