Consumer complaint received 2025-01-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC.
State: MI

Complaint narrative:
Subject : Complaint Regarding Inaccurate Credit Reporting, Debt Validation Failure, and Violations of the FCRA and FDCPA by Caine & Weiner 1. Description of the Problem I am filing this complaint against Caine & Weiner for the following actions that violate federal laws : 1. Inaccurate reporting of Account # XXXX, associated with XXXX XXXX as the original creditor, on my credit reports with XXXX, XXXX, and XXXX. 
The account was reported as opened in XX/XX/year> and remains on my credit reports despite my previous dispute. 
The company has failed to conduct a proper investigation and continues to knowingly and willfully furnish inaccurate information to the credit bureaus. 
XXXX. Failure to validate the debt despite my dispute and request for validation under XXXX XXXX. XXXX of the FDCPA. 
XXXX. Failure to comply with Fair Credit Reporting Act ( FCRA ) obligations, including ensuring accuracy, conducting a reasonable investigation, and providing validation or proof of the debt. 
XXXX. The companys pattern of non-compliance and documented consumer complaints demonstrate a reckless and systematic disregard for federal consumer protection laws. 

XXXX. Relevant Laws Violated Caine & Weiners actions violate the following laws and regulations : Fair Credit Reporting Act ( FCRA ) Violations : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Caine & Weiner has a duty to ensure accurate and verifiable information is reported to credit bureaus. 
The company failed to verify the accuracy of the account after receiving my dispute. 
XXXX. XXXX XXXX. XXXX : Requires furnishers to conduct a reasonable reinvestigation of disputes. Caine & Weiner failed to properly investigate my dispute and continued to report the account. 
XXXX. XXXX XXXX. XXXX : Prohibits reporting without a permissible purpose. Without debt validation, the company has no permissible purpose to report this account. 

Fair Debt Collection Practices Act ( FDCPA ) Violations : XXXX. XXXX XXXX. XXXX : Requires debt collectors to validate a debt upon request. Caine & Weiner has failed to provide : A full, detailed payment history for the account. 
A copy of the original contract or agreement bearing my signature. 
Any documentation of insurance claims tied to this debt. 
A chain of title showing their authority to collect on this account. 
XXXX. XXXX XXXX. XXXX : Prohibits false or misleading representations, such as implying the debt is valid when it is not properly substantiated. 
XXXX. XXXX XXXX. XXXX : Prohibits unfair practices, including reporting unverified or disputed accounts to credit bureaus. 

Consumer Financial Protection Bureau ( CFPB ) Guidelines : Failure to validate debts, properly investigate disputes, and ensure accurate credit reporting violates the CFPBs rules for fair credit reporting and debt collection practices.

3. Documented Pattern of Non-Compliance Caine & Weiner has a history of consumer complaints and violations, as evidenced by : Over XXXX complaints filed with the CFPB, many related to improper credit reporting and failure to validate debts. 
Over XXXX complaints filed with the Better Business Bureau ( BBB ), highlighting similar issues. 

This pattern of reckless and systemic non-compliance demonstrates the companys willful disregard for federal laws. 

XXXX XXXX

Company response to consumer: Closed with explanation