Consumer complaint received 2025-12-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX SSN : XXXX XXXX : XX/XX/XXXX Date : XX/XX/XXXX CAINE & WEINER COMPANY , INC . 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX RE : Formal Dispute & Demand for Validation Account Number : XXXX Amount Reported : {$180.00} / {$180.00} Account Type : Collection To Whom It May Concern, I am in receipt of your reporting and/or collection activity regarding the above-referenced alleged debt. Be advised that I dispute this alleged debt in its entirety. I do not acknowledge ownership, responsibility, or liability for this account.

This letter serves as a formal demand for strict validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and a notice of dispute under applicable federal law.

NO ADMISSION OF LIABILITY This request is made without waiver of rights and shall not be construed as an admission of liability or acknowledgment of any alleged obligation.

DEMAND FOR STRICT PROOF & LEGAL STANDING You are required to provide competent, verifiable evidence that CAINE & WEINER has the legal authority and standing to collect and report this alleged debt. Mere statements, screenshots, affidavits, or internal account summaries do not constitute validation.

Pursuant to Federal Rule of Evidence 1002 ( Best Evidence Rule ), you must produce the original agreement or contract that allegedly created this obligation.

Accordingly, I demand the following : 1. Proof of Ownership & Authority A signed contract or agreement bearing my original signature A complete chain of title, including all assignments and bills of sale from the original creditor to CAINE & WEINER The full purchase or assignment agreement, including all terms and exhibits 2. Full Accounting A complete itemized accounting from the original creditor Documentation proving the accuracy and legality of the amount claimed Proof that the balance has not been altered, inflated, or resold 3. Furnisher & Reporting Authority Proof that CAINE & WEINER is authorized to furnish data to consumer reporting agencies A copy of any Notice of Assignment allegedly sent to me Proof of compliance with 15 U.S.C. 1681s-2 ( b ) CEASE COLLECTION & REPORTING REQUIREMENTS Until you provide proper validation, you are required to CEASE ALL COLLECTION ACTIVITY under 15 U.S.C. 1692g ( b ). This includes, but is not limited to, calls, letters, credit reporting, and verification to consumer reporting agencies.

If this account is being reported, it must be marked as DISPUTED immediately pursuant to 15 U.S.C. 1692e ( 8 ).

NOTICE REGARDING IMPROPER VERIFICATION Any attempt to verify this account through automated systems, summaries, or data-furnisher codes does not constitute lawful validation and will be deemed noncompliant. Verification must be manual and supported by documentary evidence.

FAILURE TO COMPLY & LEGAL CONSEQUENCES If CAINE & WEINER fails to provide strict proof within 30 days, I demand : Immediate closure of the account Permanent deletion of any credit reporting Written confirmation of deletion Continued collection or reporting without proper validation may result in complaints to the CFPB, FTC, and State Attorney General, and exposure to civil liability under 15 U.S.C. 1692k, 1681n, and 1681o.

Please respond in writing only. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation