Consumer complaint received 2021-08-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC. (GA)

It should be noted On XXXX XXXX I spoke with XXXX to clear of the billing issue due - the issue was an unauthorized persons added to my insurance and resulted in an error in my billing when I closed the account. As per the instructions of XXXX, they requested I send over the signed documentation to confirm the persons were never covered on my insurance. XXXX confirmed once this document is received it would satisfy the account. I signed the requested document and emailed the document on XX/XX/XXXX at XXXX est. 
I initially received a letter from Caine and Weiner dated XX/XX/XXXX stating I owe a debt of {$2900.00} account number XXXX for XXXX XXXX. I sent a debt validation letter dated XX/XX/XXXX and I received confirmation via the United States Postal Service stating the certified letter arrived on Wednesday XX/XX/XXXX. In addition, I sent another debt validation letter dated XX/XX/XXXX and this letter arrived to Caine and Weiner on XX/XX/XXXX. 
I sent a follow-up letter dated XX/XX/XXXX demanding validation of the debt. Also, on XX/XX/XXXX and XX/XX/XXXX I sent Caine and Weiner a dispute letters for placing a hard inquiry on my credit bureau credit reports Caine and Weiner NEVER sent and validation of the debt of {$2900.00} account number XXXX. I sent several certified letters to inform them this debt was invalid, and Caine and Weiner proceeded to place the debt of {$2900.00} account number XXXX on my credit reports without any proper validation. 
On XX/XX/XXXX at XXXX eastern time, I called progressives billing team and spoke with XXXX in regard to the alleged debt of {$2900.00} account number XXXX. I informed him the required document was SIGNED AND EMAILED back to progressive on XX/XX/XXXX at XXXX est. After some time, JOSEPH/PROGRESSIVE CONFIRMED the document was sent, HOWEVER, the billing TEAM NEVER actioned the document and the account SHOULD HAVE NEVER been in collection and the alleged debt of {$2900.00} account number XXXX is not VALID! 
And yet, CAINE AND WEINER CONFIRMED THE DEBT WAS VALID REFUSED THE ITEM FROM MY CREDIT REPORTS!! 
I then received another letter from CAINE AND WEINER dated XX/XX/XXXX stating I owe {$1400.00} with a NEW ACCOUNT number XXXX! I again sent CAINE AND WEINER a certified debt VALIDATION letter dated XX/XX/XXXX. The letter arrived at their facility on Saturday XX/XX/XXXX. 

However, on XX/XX/XXXX I received an alert from my credit monitoring confirming CAINE AND WEINER placed the alleged debt {$1400.00} with ACCOUNT number XXXX on my consumer credit reports. CAINE AND WEINER AGAIN placed an collection account on my credit report this time with a different account number and a different amount BUT for the alleged EXACT SAME DEBT!! In addition, the account was placed on my credit reports WITHIN the period Im authorized BY THE FCRA to dispute an alleged debt. 
This company has continued to violate my rights afforded me by the FCRA and I demand these accounts be IMMEDIALTELY REMOVED FROM ALL MY CREDIT REPORTS!! I never received any validation of the debt and my investigation resulted in their details as inaccurate and thus doesnt confirm validation and THESE ACCOUNTS SHOULD HAVE NEVER BEEN ADDED TO MY CREDIT REPORTS!! CAINE AND WEINER HAS CONTINUED TO PLACE NEGATIVE INACCURATE AND NON-VALIDATED details to my credit reports Included within my complaint is verified evidence for my statement!!