Consumer complaint received 2025-06-17 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
On XX/XX/year> I received a notice from XXXX XXXX that Caine-Weinera, debt collector placed a deragatory collection for payment to the credit bureaus. I emailed the following to the company management team. 

Dear Management, I am writing to formally dispute a collection account that has appeared on my credit report without any prior communication from the collection agency. This action is in violation of both the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), which protect consumers from inaccurate reporting and improper collection practices. Per law, and guidelines, when your unpaid bills are turned over to a collection agency, the credit bureaus provide a six-month grace period. I was notified of this debt via XXXX XXXX XX/XX/year>, of this collection. Per law, I was not allowed to discuss and make arrangements to prevent this reflecting on my credit. 

The details of this account are as follows : Creditor/Collection Agency : Caines and Weber Amount Listed : {$480.00} Date Reported : XXXX XXXX XXXX Under Section 809 of the FDCPA, debt collectors are required to provide written notice of the debt within five days of their first contact with a consumer. Additionally, the FCRA mandates that only accurate, verifiable information be reported to credit bureaus. Since I was never contacted prior to this account being reported, I am requesting immediate action to correct this issue.

I kindly ask that you investigate this matter and provide documentation verifying the legitimacy of this debt. If the debt can not be properly validated, I request that it be removed from my credit report immediately.

Additionally, I will file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and my states Attorney Generals office if this issue is not resolved in a timely manner. Please inform me of any corrective actions taken within 30 days. 

Thank you for your attention to this matter. I look forward to your prompt response. 

XXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX  The company removed the dergatory remark from my credit as a result of violating fdcpa and fcra. As of XX/XX/year>, I have begin to receive text messages to my personal cell asking to contact Caine & Weiner a debt collector. 

Reflected on Credit Collection Opened A collection was added to your file ^ Between XX/XX/year> and XX/XX/year>, a new account in collections was added to your report. The collection agency is CAINE & WEINER. The original creditor was XXXX. 

Collection Removed Great! A collection was removed from your file Between XX/XX/year> and XX/XX/year>, your CAINE & WEINER collections account was removed from your credit report. 

This is great news! Collections accounts can do a lot of damage to your credit score, so getting one removed is often great for your credit health. Collections accounts are typically removed after seven years, or could be removed due to a dispute or settlement.

Company response to consumer: Closed with explanation