Consumer complaint received 2025-10-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: NY

Complaint narrative:
I am filing this complaint against Caine & Weiner for continued reporting and collection activity regarding an alleged Progressive Insurance collection account for {$170.00} ( Account # XXXX ) that is being reported to XXXX. 

I have formally disputed and requested validation of this debt pursuant to 15 U.S.C. 1692g ( b ) under the Fair Debt Collection Practices Act ( FDCPA ). Despite this, Caine & Weiner failed to provide any proof of ownership, itemization, or contract establishing liability for this account. 

The company has not provided : Any bill of sale or assignment showing transfer of collection rights from Progressive ; A breakdown or itemization of how the alleged {$170.00} was calculated ; A copy of the original agreement with the creditor ; or Proof that they are authorized to report this debt to XXXX. 

Despite this lack of validation, Caine & Weiner continues to report the account to XXXX  as a valid collection, constituting continued collection activity and communication of disputed debt to a third party. 

Violations FDCPA 1692g ( b ) : Caine & Weiner has engaged in collection and reporting without first validating the alleged debt. They were required to cease all collection activity until verification was provided. 

FDCPA 1692e ( 8 ) : Furnishing disputed and unverified debt information to XXXX  is a false and misleading representation of the character and legal status of the debt. 

FDCPA 1692c ( c ) Refusal to Pay/ Cease & Desist : I have formally refused to pay and demanded cessation of all communication and collection activity, including credit reporting. 

Credit reporting itself constitutes collection activity under XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX. XXXX ), and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX, XXXX ( XXXX XXXX XXXX ), both holding that furnishing debt information to credit bureaus is a form of collection communication. 
Therefore, Caine & Weiners continued reporting to XXXX  after my cease and desist notice violates FDCPA 1692c ( c ).

FCRA 623 ( a ) ( 1 ) ( A ) & 623 ( b ) : As a data furnisher, Caine & Weiner has a legal duty to ensure accuracy and completeness and to reasonably investigate disputes reported by XXXX. Continued reporting of unvalidated and disputed information violates these provisions. 


Refusal to Pay and Cease & Desist Notice I hereby refuse to pay this alleged debt and instruct Caine & Weiner to cease all collection activity, including credit reporting, furnishing updates, or communicating debt information to any credit bureau. 

Under FDCPA 1692c ( c ) and case law including XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, XXXX, the continued furnishing of information to credit reporting agencies constitutes ongoing collection activity and violates the law once a cease and desist has been issued. 

Any further attempts to communicate, report, or collect will be treated as a willful and knowing violation of federal law.

Company response to consumer: Closed with explanation