Consumer complaint received 2026-05-07 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 submitting this formal complaint against Caine & Weiner Company , Inc. for violations of the FDCPA ( 15 U.S.C. 1692 et seq. ), FCRA ( 15 U.S.C. 1681 et seq. ), and California debt collection and business entity laws ( Cal. Fin. Code 100000 et seq. ; Cal. Corp. Code 17708.02 ). Date of Written Dispute and 1692g Validation Request Sent : XX/XX/XXXX, via USPS Certified Mail with Return Receipt Requested. Caine & Weiner previously contacted me by phone and by written letter regarding this account. Upon receipt of my XX/XX/XXXX written dispute, Caine & Weiner is required under FDCPA 1692e ( 8 ) to immediately flag this collection account as disputed at all three credit bureaus. This obligation applies upon receipt of any written dispute and is not limited to a 30-day window. 1. THREE DIFFERENT ENTITY NAMES ACROSS THREE CREDIT BUREAUS FDCPA 1692e ( 10 ) AND FCRA 1681e ( b ). Caine & Weiner is reporting under three materially different legal names simultaneously : XXXX : 'CAINE & WEINER ' / XXXX : 'CAINE & WEINER COMPA ' / XXXX : 'CAINE WEINER. ' Using three materially different legal names for the same collecting entity is both a false or deceptive means of collecting a debt under FDCPA 1692e ( 10 ) AND an independent FCRA 1681e ( b ) inaccuracy on each bureau. The legal entity collecting this debt can not be consistently identified. This is an independent deletion basis if the correct legal name can not be verified. 2. TWO DIFFERENT ADDRESSES REPORTED ACROSS BUREAUS FCRA 1681e ( b ). XXXX shows : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. XXXX and XXXX show : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. The same collector reports two different business addresses simultaneously an independent accuracy violation. 3. HEC LEASING LLC NO CALIFORNIA SECRETARY OF STATE REGISTRATION Cal. Corp. Code 17708.02. A diligent search of XXXX the official California Secretary of State business entity database returns NO RECORD of XXXX XXXX XXXX as a registered California domestic or foreign entity. XXXX XXXX XXXX is confirmed as an active XXXX XXXX ( verified via Tennessee Secretary of State ). Under California Corporations Code 17708.02, a foreign LLC transacting intrastate business in California must obtain a Certificate of Registration from the California Secretary of State before conducting that business. Failure to register renders any California contracts potentially unenforceable under Cal. Corp. Code 17708.07. A debt arising from a potentially unenforceable contract can not be validated under CFPB Regulation F, 12 C.F.R. 1006.34. I am requesting the CFPB investigate whether XXXX XXXX XXXX was legally authorized to enter into contracts with California consumers. 4. DOFD NOT DISCLOSED FCRA 1681c ( a ) ( 4 ). Caine & Weiner 's collection open date of XX/XX/XXXX is NOT the Date of First Delinquency with XXXX XXXX XXXX. The actual DOFD with XXXX XXXX not Caine & Weiner 's acquisition date controls the 7-year reporting clock. Per CFPB Advisory Opinion 89 Fed. Reg. 4171 ( XXXX XXXX, XXXX ), DOFD disclosure is mandatory. This DOFD has not been disclosed. 5. NO PAYMENT HISTORY ON XXXX OR XXXX FCRA 1681g AND 1681e ( b ). Neither XXXX nor XXXX displays any payment history for this account. Complete XXXX XXXX payment rating field data must be transmitted to all three bureaus. 6. XXXX ORIGINAL CREDITOR FIELD ERROR XXXX XXXX Formatting. XXXX XXXX original creditor field shows '01 HEXXXX XXXX ' the '01 ' is a XXXX XXXX processing code appearing incorrectly in the consumer-facing original creditor name field. 7. STATUS UPDATE DATE INCONSISTENCY FCRA 1681e ( b ). Three different last status update dates appear for the same account : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ). 8. CALIFORNIA DFPI LICENSING Cal. Fin. Code 100000 et seq. Caine & Weiner is collecting from a California consumer and must hold a valid California DFPI debt collector license. License number has not been provided. I request the CFPB verify whether Caine & Weiner holds a current and continuously maintained California DFPI license. 9. PATTERN OF VIOLATIONS DOCUMENTED COMPLAINT HISTORY. Caine & Weiner has XXXX XXXX complaints, XXXX CFPB complaints, and XXXX federal FDCPA lawsuits on record one of the highest complaint volumes of any debt collector in the United States. This is not an isolated incident. 10. TELEPHONE CONSUMER PROTECTION ACT ( TCPA ), 47 U.S.C. 227. Caine & Weiner contacted me by phone. Caine & Weiner 's disclosed use of the Quantum II Integrated Predictive Dialer on their website indicates automated calling. If any phone call used an automated telephone dialing system or prerecorded voice message without my prior express written consent, each such call is an independent TCPA violation at {$500.00} {$1500.00} per call, separately recoverable from all FDCPA damages.

Company response to consumer: Closed with non-monetary relief