Consumer complaint received 2026-05-19 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: NV

Complaint narrative:
On XX/XX/XXXX, I discovered that a collection account had been furnished to my XXXX credit report by Caine & Weiner for an alleged debt to XXXX XXXX. The tradeline appears with the following details : Account Number : ending in XXXX Collector : Caine & Weiner, XXXX XXXX XXXX, XXXX XXXX, CA XXXX Original Creditor : XXXX Balance : {$2000.00} Date Opened : XX/XX/XXXX Last Payment Made : XX/XX/XXXX Date Updated : XX/XX/XXXX Account Type : Open Account Pay Status : Collection The tradeline currently appears only on my XXXX credit report and does not appear on my XXXX or XXXX reports. I never received any prior communication from Caine & Weiner regarding this alleged debt before the tradeline was furnished to XXXX. Specifically, I received no written notice by mail, no electronic message, no telephone call, and no validation notice of any kind before the tradeline appeared on my credit report. The furnishing of this tradeline without prior communication appears to violate 12 C.F.R. 1006.30 ( a ) ( 1 ), which prohibits a debt collector from furnishing information about a debt to a consumer reporting agency unless the collector has first either ( 1 ) spoken with the consumer in person or by telephone about the debt, or ( 2 ) placed a letter in the mail or sent an electronic message about the debt to the consumer and waited a reasonable period of time to receive a notice of undeliverability. Neither condition was satisfied in my case. I also never received the validation notice required by 12 C.F.R. 1006.34, which must be provided either in the initial communication or within five days of the initial communication. Because no initial communication occurred before the tradeline was furnished, no compliant validation notice was ever delivered, and I was denied the opportunity to exercise my rights under 15 U.S.C. 1692g, including the right to dispute the debt and request the name and address of the original creditor within the 30-day validation period. I dispute this debt in its entirety. The underlying matter with XXXX involves the companys sale of my personal property under disputed circumstances, and I do not acknowledge that any valid debt is owed. I am submitting this complaint to address the unlawful credit reporting, not to validate the underlying alleged debt. I am requesting the following relief : 1. Immediate and permanent deletion of this tradeline from TransUnion. 2. A directive from Caine & Weiner to refrain from furnishing this tradeline to XXXX XXXX, or any other consumer reporting agency. 3. Written confirmation from Caine & Weiner that the tradeline has been deleted and will not be re-furnished to any consumer reporting agency. 4. Cessation of all collection activity on this alleged debt. 5. Production of the following documentation to substantiate the collectors compliance with Regulation F : a. The exact date the tradeline was first furnished to XXXX, and any prior furnishing dates to any consumer reporting agency. b. Documentation of any prior communication attempts made to me before the tradeline was first furnished, including the dates, methods, and addresses or contact information used. c. Documentation establishing the source of the contact information used and the basis for believing that information was current and accurate. d. A copy of any validation notice the collector claims to have sent, with the exact mailing date, mailing method, and address used. e. The chain of custody of this account, including the date Caine & Weiner received the account from XXXX and whether the account has been furnished to any consumer reporting agency at any time prior to XX/XX/XXXX. This is a time-sensitive matter. I am in the process of applying for vehicle financing, and the unlawfully furnished tradeline is causing direct financial harm. I respectfully request expedited handling and a prompt response from Caine & Weiner. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief