Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: CA

Complaint narrative:
I am updating CFPB Complaint No. XXXX against Caine & Weiner to document confirmed violations discovered upon review of credit reports generated XX/XX/XXXX ten days after confirmed delivery of my FDCPA 1692g validation demand ( mailed XX/XX/XXXX, delivered XX/XX/XXXX ). VIOLATION 1 1692e ( 8 ) CONFIRMED FAILURE ALL 3 BUREAUS {$3000.00} MINIMUM My XX/XX/XXXX validation letter explicitly notified Caine & Weiner in a prominently bordered legal notice that account XXXX must be flagged as " disputed '' at XXXX, XXXX, and XXXX immediately upon receipt with no 30-day window. The 5-business-day deadline expired XX/XX/XXXX, XXXX. Credit reports generated XX/XX/XXXX confirm account XXXX is NOT marked " In Dispute '' or " Consumer Disputes '' at any of the three bureaus. This is a confirmed, willful FDCPA 1692e ( 8 ) violation at {$1000.00} per bureau = {$3000.00} minimum. Each reporting cycle where the account remains unflagged is a new, separate {$1000.00} violation per bureau. VIOLATION 2 ORIGINAL CREDITOR CHANGED POST-DISPUTE WITHOUT VALIDATION 1692e ( 2 ) AND 1692g ( b ) My validation letter disputed XXXX XXXX XXXX as the original creditor. All three bureau reports now show XXXX XXXX as the original creditor changed after receipt of the dispute, during the active validation period, without providing any validation and without notifying me. This is a false representation of the character and legal status of the debt under 1692e ( 2 ). The change also constitutes continued collection activity during the validation period in violation of 1692g ( b ), which requires all collection activity to cease upon receipt of a written dispute until validation is complete. Additionally, XXXX XXXX XXXX has NO California foreign entity registration at XXXX. Under Cal. Corp. Code 17708.02, contracts by unregistered foreign LLCs may be unenforceable in California . Now that XXXX XXXX is the claimed original creditor, Caine & Weiner can not identify who it is collecting for and an entity that can not identify the original creditor can not validate the debt. This is an independent basis for mandatory deletion. VIOLATION 3 DOFD NEVER DISCLOSED 1681s-2 ( a ) ( 5 ) No Date of First Delinquency has been provided. None of the three bureau reports show a DOFD. Caine & Weiner is using the account open date of XX/XX/XXXX as the effective delinquency date which is explicitly prohibited under FCRA 1681c ( c ) and CFPB Advisory Opinion, 89 Fed. Reg. 4171 ( XXXX XXXX, XXXX ). Failure to disclose and transmit the correct DOFD is a standalone 1681s-2 ( a ) ( 5 ) violation per bureau. VIOLATION 4 THREE DIFFERENT COLLECTOR NAMES 1692e ( 10 ) AND 1681e ( b ) XXXX : CAINE & WEINER | XXXX : CAINE & WEINER XXXX | XXXX : CAINE WEINER. T hree different legal names across three bureaus is a false and deceptive representation of the identity of the collecting entity under 1692e ( 10 ) and 1681e ( b ). VIOLATION 5 XXXX INTERNAL CONTRADICTION 1681e ( b ) XXXX reports Account Type : " Open account '' while the Comments field states " Placed for collection. '' These are facially contradictory on a single report a standalone 1681e ( b ) inaccuracy independent of the cross-bureau inconsistencies. VIOLATION 6 XXXX : NO BALANCE UPDATE DATE, NO PAYMENT HISTORY 1681e ( b ) XXXX shows the balance update field as blank and " No payment history available. '' XXXX and XXXX both show balance updated XX/XX/XXXX. The XXXX omission is a data completeness violation under 1681e ( b ) and Regulation V, 12 C.F.R. 1022.42. VIOLATION 7 THREE DIFFERENT ADDRESSES AND PHONE NUMBERS 1681e ( b ) XXXX : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, ( XXXX ) XXXX | XXXX : XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX ) XXXX | XXXX : XXXX XXXX XXXX XXXX XXXX, ( XXXX ) XXXX. Three phone numbers and two addresses across bureaus XXXX XXXX accuracy violation. VIOLATION 8 " 01 '' PREFIX ON XXXX + XXXX PAYMENT FLAGS 1681e ( b ) XXXX reports original creditor as " XXXX XXXX XXXX '' a numeric prefix with no legal meaning as a creditor name. XXXX shows collection flags ( " XXXX XXXX XXXX '' ) for XXXX and XX/XX/XXXX despite the account opening XX/XX/XXXX data unavailable flags shown with no underlying payment history across all six reported months. VIOLATION 9 1692c ( c ) COMMUNICATION RESTRICTION + TCPA My XX/XX/XXXX letter restricted all communication to U.S. Mail per 1692c ( c ). Caine & Weiner publicly discloses use of the Quantum II Integrated Predictive Dialer. Any call to my cellular phone after XX/XX/XXXX simultaneously violates 1692c ( c ) ( {$1000.00} per contact ) and TCPA 47 U.S.C. 227 ( {$500.00} {$1500.00} per call ). ZERO VALIDATION 30-DAY DEADLINE XX/XX/XXXX As of XX/XX/XXXX ten days after delivery Caine & Weiner has provided zero response, zero validation documents, and zero written confirmation of any compliance action. The 30-day 1692g validation deadline is XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief