Consumer complaint received 2025-07-23 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:
I am submitting this formal complaint against Caine & Weiner XXXX, located at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX, for multiple violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Summary of Complaint : On XX/XX/year>, I sent a written debt validation request to Caine & Weiner at the address listed above, as part of a dispute regarding an account they claim I owe and that they have the authority to collect. This request was made pursuant to 15 U.S. Code 1692g ( b ), which mandates that a debt collector must cease collection activity and provide verification of the debt when requested in writing within 30 days. 

My letter was not returned as undeliverable, despite their claim that the address they provided to the credit bureau was incorrect a tactic I suspect is used to frustrate consumers ' rights and prevent them from effectively demanding proper legal validation. Therefore, I reasonably conclude that it was received. As of today, more than 30 days have passed, and no response to may demand nor full validation of the debt has been provided.

Despite this, Caine & Weiner have continued to report this account to the major credit bureaus, including incorrect address datalisting XXXX XXXX, CA instead of XXXX XXXX, CA '' causing further confusion and the excuse used by their phone rep to claim delaying their processing. They claim they never received the request due to processing delays, but the mail was delivered, and one of the first people I spoke to confirmed there was a letter, before transferring me to someone who claimed they never got it. This undermines their credibility and demonstrates a failure to maintain accurate and timely processing procedures.

Misrepresentation of Date of Last Activity ( DLA ) Further, Caine & Weiner have erroneously reported the Date of Last Activity ( DLA ) on my credit report. Until today, I have had no contact or communication with them, never initiated or responded to any transaction with them, nor have I acknowledged or agreed to any debt obligation. Therefore, any DLA must reflect the charge-off or placement-for-collection date by the original creditor, not the date Caine & Weiner acquired the debt or chose to report it.

This manipulation may unlawfully extend the statute of limitations for credit reporting and potential legal action, which violates : FCRA 623 ( a ) ( 5 ) Duty to accurately report the date of first delinquency FCRA 605 ( c ) Time period for reporting negative information FDCPA 1692e False, deceptive, or misleading representation of legal rights This practice is not only deceptive but also has the effect of reviving time-barred debts, which could lead to unlawful litigation or collection threats. 

Privacy and Compliance Concerns On my follow-up phone call today to Caine & Weiner, XXXX very clearly overheard another employee in the background disclosing the full name and debt details of another consumer. This indicates a serious breach of 15 U.S. Code 1692c ( b ), which prohibits discussing a debt with third parties or communicating the status of a debt to unauthorized persons. The open environment of their call center exposes private consumer data and raises red flags regarding Gramm-Leach-Bliley Act compliance as well.

Also, during this call with a supervisor who took particular pride in being purposely evasive in her answers, I confirmed multiple times that they refused to provide the full validation requested, and they would only provide limited information, which did not include their proof of their legal authority to collect the alleged debt.

Violations Cited FDCPA 1692g ( b ) Failure to validate debt upon written request FDCPA 1692e ( 8 ) Reporting disputed debt without noting dispute FDCPA 1692c ( b ) Third-party disclosure during
phone call FCRA 623 ( 15 U.S.C. 1681s-2 ( b ) ) Furnishing inaccurate or unverified information Possible GLBA violation Mishandling of nonpublic personal information Failure to update or correct furnished address data Requested Resolution Immediate deletion of the disputed tradeline from all credit reports Written confirmation of deletion Enforcement action for violations of FDCPA and FCRA Formal audit or investigation into office practices and third-party disclosures Compensation for any adverse credit actions suffered due to their failure to comply Please find enclosed supporting documents, including a copy of the original validation letter and timeline of events. I am prepared to pursue further action, including complaints to the Federal Trade Commission, relevant state attorneys general, and private legal action if necessary.

Company response to consumer: Closed with explanation