Consumer complaint received 2025-09-21 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAINE & WEINER COMPANY, INC.
State: LA

Complaint narrative:
XXXX  reinserted an account from Caine & Weiner XXXX XXXX ( {$1300.00} ) that was previously deleted from my credit report. They did not provide any notice of reinsertion as required under FCRA 611 ( A ) ( 5 ) ( B ). This is inaccurate reporting and violates FCRA 607 ( B ). I am requesting immediate and permanent deletion of this account from my credit files, as it should not have been reinserted without proper certification and notification.

I am requesting that this account be permanently deleted from my credit reports with XXXX  and XXXX  and that it can not be reinserted unless full compliance with the FCRA is met. I requested written validation and documentation of the alleged debt, as required under the Fair Debt Collection Practice Act ( FDCPA 809 ). This includes : 1. Proof that I am legally responsible for the debt.

2. Copies of any agreement or contracts bearing my signature.

3. Itemized statements showing the debt and account history.

4. Verification that the account was reporting accurently to the credit bureaus. 


I am requesting that this account be permanently deleted from my credit reports with XXXX  and XXXX  and that it can not be reinserted unless full compliance with the FCRA is met. A fair resolution is the immediate and permanent deletion of the Caine & Weiner XXXX XXXX account ( {$1300.00} ) from my credit reports with XXXX, XXXX  and XXXX. The account should not be reinserted unless full complaince with the Fair Credit Reporting Act ( FCRA 611 ( B ) AND 607 ( B ) is met, including proper validation from the furnisher and written notice to me. I also request written confirmation from all companies XXXX, XXXX, and XXXX  verifying that the account has been permanently deleted and that my credit report will be correct to reflect account accurate information. 
Caine & Weiner Attn : Compliance Department [ Address of Caine & Weiner ] Re : Formal Debt Validation Request and FCRA Violation Notice To Whom It May Concern, I am writing regarding an alleged debt you have reported under my name and Social Security number. Pursuant to my rights under 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ) and 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), I am requesting full validation and proof of this alleged debt. 



To date, you have failed to provide documentation or proof that I am legally obligated to pay this debt. Your continued reporting of this account without verification constitutes : Violation of the FDCPA for attempting to collect a debt without proper validation. 
Violation of the FCRA by reporting unverified, inaccurate, and potentially fraudulent information to credit bureaus. 
Potential identity theft and credit defamation, as the account information is unverified, inaccurate, and damaging to my credit score.

Under the FCRA, if a debt can not be validated within 30 days of receipt of this request, it must be permanently removed from all credit reporting agencies.

Additionally, please be advised that failure to comply may result in legal action, including reporting to the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and other relevant federal authorities, including the FBI, as your actions may constitute fraudulent reporting and identity theft.

I demand that you : Provide complete validation of the alleged debt, including signed contracts and proof of original ownership.

Immediately cease reporting this debt to all credit bureaus until proper verification is provided. 
Permanently delete all references to this account from my credit reports if you can not provide proper documentation within 30 days.

Company response to consumer: Closed with explanation