Consumer complaint received 2024-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: MO

Complaint narrative:
This is the third attempt requesting validation of documentation of the account. Also, the company is reporting fraudulent and inaccurate information on my credit report. The name of the company regarding the account : CAINE & WEINER COMPANY XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX AMOUNT ( XXXX ) : {$700.00} ORIGINAL CREDITOR : XXXX XXXX XXXX ORIGINAL DATE OPEN : UNKNOWN RE : REQUESTING VALIDATION I am responding to your contact about a debt you are trying to collect : The original creditor, XXXX XXXX was supposed to notify me, according to the FDCPA and FCRA ; violation of 15 USC 1692g. You and the debt collector were to notify me of this issue in writing 5 days prior. I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. In addition, pursuant to 15 USC 1681i ( 5 ) if this debt can not be validated or confirmed to be accurate, you must notify the credit bureaus and DELETE and remove from all XXXX credit bureaus ( XXXX, XXXX. XXXX  ). In addition, I never gave them consent to furnish this Consumer Report. I authorized them a XXXX time use of my social security number to only get approval for the consumer credit transaction ( s ) ; which is valid for 90 days of a one time use. Please supply and validated the information below so that I can be fully informed : Why you think I owe the debt and to whom I owe it, including the following : The name and address of the creditor to whom the debt is currently owed, the account number used by the creditor, and the amount owed. 
If the debt started with a different creditor, provide the name and address of the original creditor, the account number used by the creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt, purchase agreement showing full ownership of the debt transferred from the original creditor or debt collection ( s ) to the debt buyer ( s ) ; whom the current creditor obtained it from. 
Provide verification and documentation that there is a valid basis for claiming that I have ( or ever had ) some contractual obligation to this debt. Please provide the original contract agreement ; that is competent evidence bearing my signature. In addition, provide my written permission document giving consent to furnish this consumer report authorizing a onetime use of my social security and approval for the consumer credit transactions. Which is good for 90 days ( about 3 months ) of a 1-time use. 
If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide validated documentation about why this is a debt that I am obligated to pay. 

The amount and age of the debt, including : A copy of the last billing statement sent to me by the orginal creditor. 
State the amount of the debt when you obtained ownership, and when that was transferred from the original creditor or debt collection to the debt buyer ( s ) ; whom the current creditor obtained it from. 
If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt, in accordance with the Fair Debt Collection Practices Act and the Fair Credit Reporting Act ; along with corresponding local state laws. 
If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each payment. 
If there have been any other charges or adjustment since the last billing statement from the original creditor, please provide fill verification and documentation of the amount you are trying to collect. Explaining how that amount was calculated. In addition, explain how the other changes or adjustments are authorized by the agreement creating the debt or permitted by the FDCPA and FCRA, along with corresponding local state laws. 
Tell me when the creditor claims this debt became due and when it became delinquent. 
Identify the date of the last payment made on this account. 
Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that. 

Details about your authority to collect this debt. 
I would like more information about your firm before I discuss the debt with you. Does your firm have a debt collection license from my state? If so, provide the date of the license, the name on the license, the license number, name, address, telephone number of the state agency issuing the license. If not, explain why it is not valid. 
If you are contacting me from a place outside my state, does your firm have a debt collection license from your location. If so, provide the date of the license, the name, address and telephone number of the state agency issuing the license. 

I am asking for this information because you debt collector were to notify me of this issue in writing 5 days prior. I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. In addition, pursuant to 15 USC 1681i ( 5 ) if this debt can not be validated or confirmed to be accurate, you must notify the credit bureaus and DELETE from my consumer report, however if the debt is accurate, let me know whether you are prepared to settle less that the balance you are claiming is owed. You will fully accept and delete/remove this account from my personal, public and credit reports. Please reply to this letter within 30 days of receipt. According to the FDCPA and FCRA, pursuant to 12 USC 1681i ( 5 ), if the creditor can not be validated, needs to be DELETED and no further effort to collection on this debt be made. Thanks for your cooperation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation