Consumer complaint received 2025-09-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: LA

Complaint narrative:
I am filing this complaint against Caine Weiner, who is inaccurately and unlawfully reporting a collection account allegedly owed to XXXX XXXX in the amount of {$290.00}. This account has been placed on my XXXX XXXX XXXX XXXX credit files with material contradictions, unverifiable data, and outright falsehoods.

Despite my disputes, Caine Weiner has failed to provide lawful validation and continues to report this account, engaging in practices that violate both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

1. Failure to Validate Debt FDCPA 15 U.S.C. 1692g ( a ) & ( b ) The FDCPA requires that, within five days of the initial communication, a debt collector must provide written notice of : The amount of the debt The name of the creditor to whom the debt is allegedly owed A statement that unless disputed within 30 days, the debt will be assumed valid A statement that if disputed, verification of the debt will be provided Caine Weiner has never provided me with : The original XXXX contract Itemized statements or billing records Proof of assignment/ownership of the debt Chain of title or transfer from XXXX to Caine Weiner Yet they continue to report to the credit bureaus, which constitutes continued collection activity without validation, a direct violation of FDCPA 1692g ( b ).

2. Furnishing False and Misleading Information FDCPA 15 U.S.C. 1692e ( 8 ) Caine Weiner has knowingly furnished false credit information to the bureaus : XXXX lists Date Last Active as XX/XX/XXXX XXXX lists Date Last Active as XX/XX/XXXXXXXX XXXX  lists Date Last Active as XX/XX/XXXX These are three completely different dates for the same account. A single debt can not have three different histories. This proves the account is not being reported with maximum possible accuracy and viol

ates both FDCPA 1692e ( 8 ) ( prohibiting communication of false credit information ) and FCRA 1681e ( b ).

3. Improper Handling of Disputes FCRA 15 U.S.C. 1681s-2 ( b ) When a consumer disputes information, the furnisher must : Conduct a reasonable investigation Review all relevant information Report results to the credit bureaus Correct inaccuracies across all three bureaus Instead, Caine Weiner provided three different dispute comments XXXX XXXX XXXX Meets FCRA requirements. XXXX  : I HAVE NO KNOWLEDGE OF THIS ACCOUNT. 
XXXX  : Consumer disputes this account. Subject has not satisfied debt. 

These are inconsistent, misleading, and biased. XXXX note even implies non-payment when the true dispute is validity of the debt itself. This violates FCRA 1681s-2 ( b ) and shows failure of investigation.

4. Re-Aging of Debt FCRA 15 U.S.C. 1681c ( a ) ( 4 ) Accounts can not be re-aged to appear newer than they are. Yet : XXXX shows last activity as XX/XX/XXXX Equifax shows XX/XX/XXXXXXXX XXXX shows XX/XX/XXXX This is a classic case of illegal re-aging, done to keep the account active on my credit report and to mislead future creditors into believing this is a fresh delinquency. 



XXXX. Incomplete and Unverifiable Reporting FCRA 15 U.S.C. 1681e ( b ) & 1681i The account reports no payment history, no terms, no date of last payment, no contractual evidence only a balance.

Reporting derogatory information without complete details is inherently misleading, violating 1681e ( b ) which requires procedures to assure accuracy.

Once disputed, failure to correct this incomplete reporting also violates 1681i ( a ) ( 1 ) ( A ) ( failure to reasonably reinvestigate disputed information ).

6. Continued Collection Activity Without Proof FDCPA 1692g & 1692e By continuing to report derogatory data and by furnishing inconsistent information to the bureaus without validation, Caine Weiner is engaging in unlawful collection conduct.

This is also a violation of FDCPA 1692e ( 2 ) ( A ) ( false representation of the character, amount, or legal status of a debt ).

Company response to consumer: Closed with explanation