Consumer complaint received 2024-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAINE & WEINER COMPANY, INC.
State: CO

Complaint narrative:
CAINE & WEINER XXXX ) Original Creditor PROGRESSIVE In the matter regarding XXXX XXXX and Caine & Weiner, it has come to my attention that there has been a violation of my rights under XXXX XXXX XXXX subsection B, which pertains to records maintained on individuals. It is explicitly stated that Social Security Number ( SSN ) information is to be provided solely to government agencies. However, XXXX received my SSN despite my lack of awareness at the time that it was unnecessary. This action constitutes a breach of protocol and warrants attention in a legal context. 

Under 5 USC 522 subsection B, the conditions for disclosure of records contained in a system of records are explicitly defined. No agency is permitted to disclose such records to any individual or entity, except under specific circumstances. These circumstances include, but are not limited to : 1. Disclosure to officers and employees of the agency who require the record in the performance of their duties.

2. Disclosure as required by section 552 of this title.

3. Disclosure for a routine use as defined in subsection ( a ) ( 7 ) of this section.

4. Disclosure to the Bureau of the Census for census or survey purposes.

5. Disclosure to a recipient providing advance written assurance for statistical research or reporting.

6. Disclosure to the National Archives and Records Administration for historical preservation.

7. Disclosure to another agency or governmental jurisdiction for civil or criminal law enforcement activity authorized by law.

8. Disclosure in cases of compelling circumstances affecting health or safety, with notification to the individual.

9. Disclosure to Congress or its committees.

10. Disclosure to the Comptroller General or Government Accountability Office representatives.

11. Disclosure pursuant to a court order.

12. Disclosure to a consumer reporting agency in accordance with section 3711 ( e ) of title 31.

None of the aforementioned conditions apply to Caine & Weiner.

Regarding the second infringement involving Caine & Weiner : Pursuant to 15 U.S. Code 1692e - False or misleading representations, it is prohibited for a debt collector to employ any false, deceptive, or misleading representation or means in the process of debt collection. Caine & Weiner Inc. has misrepresented themselves by posing as attorneys, a status they do not hold.

Furthermore, according to the entity type listed as a XXXX XXXX in California under CA - XXXX, specifically CAINE & WEINER COMPANY , INC. ( XXXX ), Caine & Weiner is identified as a debt purchaser in possession of my personal information, which was wrongfully provided by Progressive. This raises concerns regarding the illegitimate acquisition and use of my personal data by Caine & Weiner. - reporting to my credit. 

I want to make it unequivocally clear that Caine & Weiner XXXX does not, has not, and will never have my consent to possess or furnish my information. There is no written consent provided by me. Any form of consent, whether verbal, non-verbal, written, or implied, previously granted to Caine & Weiner XXXX is hereby revoked indefinitely. 
I explicitly opt out of any credit reporting of my information by Caine & Weiner XXXX. They are not authorized to possess or report my information to any credit agencies. I have never entered into a contract with them, and their actions constitute harassment. 

Therefore, I demand that Caine & Weiner XXXX cease and desist from any further actions involving my personal information.

Company response to consumer: Closed with explanation