Consumer complaint received 2025-12-31 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: GA

Complaint narrative:
Upon reviewing my recent consumer credit report, I discovered that Caine & Weiner XXXX XXXX XXXX is reporting an alleged debt in my name. I dispute this account in its entirety. 

I have never received the written notice required within XXXX ( XXXX ) days of your initial communication, as mandated by the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX. XXXX ( a ). Your failure to provide this notice constitutes a direct violation of federal law. 

This letter serves as a formal dispute, a demand for full validation and proof of ownership, and notice to cease collection and reporting activity. 

Pursuant to XXXX XXXX. XXXX ( b ), XXXX, and XXXX XXXX. XXXX ( b ), you are required to cease all collection and furnishing activity unless and until you provide competent, admissible evidence establishing your legal ownership, standing, authority, and authorization to collect and report this alleged account. 

MANDATORY DOCUMENT DEMAND PROOF OF OWNERSHIP REQUIRED You are hereby demanded to provide ALL of the following documents : The full name and address of the original creditor, including the original account number allegedly associated with this debt. 

A copy of the original contract or agreement, bearing my signature, that allegedly created the debt. 

THE COMPLETE PURCHASE AGREEMENT / FORWARD FLOW AGREEMENT between the original creditor and Caine & Weiner XXXX XXXX XXXX, including all schedules, exhibits, amendments, and XXXX XXXX identifying my specific account. 

This document is XXXX proof of ownership. 
A data file, spreadsheet, billing statement, or internal account printout does NOT constitute proof of ownership and is legally insufficient. 

The Purchase Agreement / Forward Flow Agreement is the controlling legal instrument that determines : Whether any ownership interest was transferred The scope of rights allegedly conveyed Whether my specific account was included in the transaction Absent production of this agreement and the corresponding account-level schedules, no lawful ownership, standing, or enforcement rights exist. 

A complete, unbroken chain of title, including : Executed contracts of assignment Bills of sale Notarized assignments All subsequent transfers Proof that my specific account was included in each transfer referenced in the Purchase Agreement / Forward Flow Agreement Proof of ownership, demonstrating that Caine & Weiner XXXX XXXX XXXX is the current legal owner of the alleged debt not merely a servicer, agent, or third-party collector. 

Proof of legal standing and authority to collect, including evidence that Caine & Weiner possesses lawful enforcement rights under applicable state and federal law. 

Proof of authorization to furnish this account to consumer reporting agencies, including : A valid furnishing or service agreement from the original creditor Evidence of permissible purpose under the FCRA Proof that such authorization survives any alleged assignment or sale A complete, itemized accounting of the amount claimed, including : Principal Interest ( with rate and contractual authority ) Fees or charges ( with contractual basis ) Any other amounts added LEGAL AUTHORITY Courts have consistently held that a debt collector or assignee must establish ownership and standing through competent documentary evidence, not conclusory statements : XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX. XXXX. XXXX ) An assignee must prove a valid assignment to enforce a debt. 

XXXX v. XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) XXXX requires a demonstrable and valid chain of title. 

XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. XXXX XXXX. XXXX ) Mere assertions of ownership are insufficient without documentary proof of assignment. 

Absent production of the Purchase Agreement / Forward Flow Agreement and account-level schedules, Caine & Weiner XXXX XXXX XXXX XXXX XXXX, standing, and authority to collect or report this account. 

DEMAND FOR IMMEDIATE COMPLIANCE Until proper validation and proof of ownership are provided : You must immediately cease all collection activity under XXXX U.S.C. XXXX ( b ) You must cease furnishing and delete any tradelines from Equifax, Experian, and TransUnion Any continued reporting without substantiation constitutes knowing and willful non-compliance under XXXX XXXX. XXXX ( b ) NOTICE OF INTENT TO INITIATE LEGAL ACTION Failure to fully comply with this demand will result in immediate legal action without further notice, including claims for statutory damages, actual damages, attorneys fees, and costs under the FDCPA, FCRA, and all applicable state consumer protection statutes. 

This letter constitutes a formal dispute, a cease-collection notice, and notice of intent to litigate should unlawful collection or reporting continue without lawful proof of ownership and authority. 

Govern yourself accordingly.

Company response to consumer: Closed with explanation