Consumer complaint received 2026-06-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: AZ

Complaint narrative:
CFPB FORMAL COMPLAINT CAINE & WEINER ( Account : {$190.00} Collection ) Consumer : XXXX XXXX XXXX Collector : Caine & Weiner Account Number : XXXX ( as reported by XXXX ) Credit Bureau : Experian ( reported XX/XX/year> and XX/XX/year> ) XXXX. Summary of Complaint Caine & Weiner is furnishing inaccurate, incomplete, and unverifiable information to Experian regarding a {$190.00} collection account. The account is reported as Seriously past due/assigned to attorney or collection agency, yet the tradeline contains no payment history, no date of last payment, no monthly payment, no highest balance, and no supporting data for any delinquency. The account is marked Closed, but continues to be furnished as a derogatory item. The furnisher verified disputed information without conducting a reasonable investigation. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) and have caused measurable financial harm. 2. FCRA Violations A. FCRA 1681s2 ( a ) ( 1 ) ( A ) Duty to Report Accurate Information The furnisher is reporting : - A closed account as a continuing negative item - No date of last payment - No payment history - No highest balance - No monthly payment - No payment streak - A XXXX term on a XXXX account - A seriously past due status without supporting data These omissions and contradictions constitute inaccurate and incomplete reporting. B. FCRA 1681s2 ( a ) ( 2 ) Duty to Correct and Update The furnisher continues updating the account ( XX/XX/year> ) without correcting missing fields or resolving contradictory status information. C. FCRA 1681s2 ( a ) ( 3 ) Failure to Mark Account as Disputed The furnisher failed to report the account as disputed by consumer after my dispute. D. FCRA 1681s2 ( b ) Failure to Conduct Reasonable Investigation The furnisher verified the account without providing : - Contract or agreement - Itemized accounting - Proof of ownership or assignment - Payment history - Date of first delinquency This constitutes failure to investigate. E. FCRA 1681e ( b ) Failure to Maintain Reasonable Procedures for Accuracy Experian is reporting an account with no payment history, no balance history, no last payment date, and an unsupported delinquency status, demonstrating unreliable reporting. F. FCRA 1681c ( a ) ( 4 ) - ( 5 ) Obsolete Information / Missing DOFD The furnisher has not provided the Date of First Delinquency ( DOFD ), preventing determination of the 7year reporting period. 3. FDCPA Violations A. FDCPA 809 ( a ) Failure to Provide Validation Caine & Weiner has not provided validation, including original creditor information, itemization, contract, or proof of assignment. B. FDCPA 807 False or Misleading Representations Reporting a closed account as seriously past due without supporting data is materially misleading. C. FDCPA 807 ( 8 ) Failure to Mark as Disputed The collector failed to communicate the dispute to Experian. D. FDCPA 813 Continued Collection Activity Without Validation Updating or continuing to furnish the tradeline after a dispute constitutes continued collection activity. 4. Harm to Consumer The inaccurate reporting has caused : - Lower credit score - Denial of credit opportunities - Higher interest rates - Reputational harm - Emotional distress - Financial losses due to increased borrowing costs

Company response to consumer: Closed with explanation