Consumer complaint received 2024-08-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
I am filing this complaint against Caine & Weiner for their failure to comply with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). Despite my request to cease and desist all communications regarding the alleged debt associated with account number [ XXXX ], Caine & Weiner has continued to report this debt to consumer reporting agencies, in violation of the FDCPA. 

Details of the Dispute : Cease and Desist Request : On XX/XX/XXXX, I sent a formal cease and desist letter to Caine & Weiner, demanding that they cease all communications with me regarding the alleged debt and remove any references to this debt from my consumer credit reports. Under the FDCPA, a " communication '' is defined as " the conveying of information regarding a debt directly or indirectly to any person through any medium, '' which includes consumer credit reports. 

Violation of FDCPA : Caine & Weiner has continued to report this alleged debt to consumer reporting agencies despite my cease and desist request. This is a clear violation of the FDCPA. The case XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ), supports the interpretation that communications made by debt collectors to consumer reporting agencies are subject to the FDCPA 's restrictions. Additionally, in XXXXXXXX XXXX XXXXXXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX. XXXX XXXX ), the court recognized that a consumer report is a medium of communication, thus making it subject to the same restrictions as other forms of communication under the FDCPA. 

Harm to Credit Profile : The continued reporting of this debt by Caine & Weiner has caused unnecessary harm to my credit profile and financial well-being. This action has negatively impacted my credit score and my ability to access credit. 

Requested Resolution : Deletion from Consumer Reports : Require Caine & Weiner to immediately delete all references to this alleged debt from my consumer credit reports with all credit reporting agencies. 

Investigate : Conduct an investigation into Caine & Weiner 's practices to ensure compliance with the FDCPA.

Cease Reporting : Require Caine & Weiner to immediately cease reporting this alleged debt to any consumer reporting agencies and to remove any previous reports they have made. 

Ensure Compliance : Ensure that Caine & Weiner adheres to the FDCPA 's restrictions on communication, including communications made through consumer credit reports. 

Supporting Documents : I have attached a copy of my cease and desist letter to Caine & Weiner, as well as any relevant correspondence and documentation. 

Conclusion : Caine & Weiner 's continued reporting of this debt, despite my clear request to cease and desist, constitutes a violation of federal law. I seek the CFPB 's assistance in rectifying this situation and holding Caine & Weiner accountable for their failure to comply with the FDCPA. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation