Debt collection -- Took or threatened to take negative or legal action -- Complaint #10966699
Complaint Overview
Complaint ID: 10966699
Company: Caine & Weiner Company, INC.
Product: Debt collection
Sub-Product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-Issue: Threatened or suggested your credit would be damaged
State: Illinois
ZIP Code: 60827
Date Received: 2024-11-27T12:00:00-05:00
Date Sent to Company: 2024-11-28T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX has attempted to collect on a debt REPEATEDLY that they have not validated, even through they were sent a letter of validation on XX/XX/XXXX, they have still harassed me via calls and emails, and report to my credit profile. My current report has a listing and/or listings, in which, has not been validated by your company per request per the FCRA 623 ( a ) ( 5 ). I am writing to request validation of the debt referenced in your correspondence dated XX/XX/XXXX and XX/XX/XXXX in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. This letter serves as a formal request for verification of the debt, and I request that you provide the following documentation : XXXX XXXXThe original contract or agreementXXXX between myself and the original creditor that establishes the debt. XXXX XXXXA copy of the assignment contract** ( or written agreement ) that evidences your legal right to collect on the debt. XXXX. XXXXA complete statement of the account**, including the amount of the debt, the date it was incurred, and any interest or fees that have been added since its origination. XXXXXXXX XXXXAny judgment or other legal documents** that support your claim to the debt, if applicable. Under the FDCPA, I am entitled to request validation of the debt. If you do not have the requested documentation, or if you can not verify that you have the legal right to collect this debt, please immediately cease all collection efforts and remove any negative reporting from my credit history that is related to this account. Please respond to this request in writing. I look forward to your prompt response. Be further advised that I am closely monitoring my credit profile. Per the Federal Law, you have exactly 30 DAYS to complete this investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ). Without even validating this debt, this company has negatively reported to the credit bureaus which has obviously impacted my credit report negatively, and have harassed me via email and phone, which is a CLEAR violation of my consumer rights, per the Federal law
Frequently Asked Questions
What is Complaint #10966699 about?
Complaint #10966699 was filed against Caine & Weiner Company, INC. regarding Debt collection specifically about Took or threatened to take negative or legal action. It was received by the CFPB on 2024-11-27T12:00:00-05:00.
How did Caine & Weiner Company, INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Debt collection) and describe your issue in detail.
Can I see other complaints against Caine & Weiner Company, INC.?
Yes, visit the Caine & Weiner Company, INC. company profile at readthecomplaint.com/company/caine-weiner-company-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.