Consumer complaint received 2025-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
I am filing this complaint because Caine & Weiner ( account # XXXX ) has failed to provide lawful and adequate validation of an alleged Progressive collection account and continues to report and attempt collection in violation of the FDCPA, FCRA, and Metro 2 data-furnishing rules. 
I sent a written validation request by certified mail on the XXXX ( tracking number : XXXX ) and have proof of delivery. Instead of real documentary validation, I received what the collector describes as verification a single-page billing statement. That one-page bill is not validation. I am uploading the document I received so you can see exactly what Caine & Weiner considers verification. It is not itemized, it contains incorrect information about the vehicle/insurance referenced, and it is not tied to me in any way. 
I called Caine & Weiner and spoke with representatives ( XXXX named XXXX uncertain on spelling and a manager named XXXX ). I recorded both calls for my records. During those calls they confirmed their only verification was the same single-page billing statement. They said the matter was pending review, but they provided no documentary proof of the debt. They had no original contract, no signed application, no chain-of-title paperwork, no itemized ledger, and they could not tie the alleged account to my personal identifying information. I did not give them my phone number or any additional personal data ; they could not produce anything linking this account to me. I have never had the Progressive policies referenced in their file. 
Under FDCPA 809 ( b ) and governing case law, and under the FCRA and Metro 2 standards, the response I received does not meet the legal standard for validation. A creditor/collector can not lawfully continue to report or collect without providing actual documentary proof when validation is requested. 
What I requested ( and did not receive ) : I requested full written validation and documentary proof of the alleged debt. Proper validation as required by law and industry standards includes all of the following items ( none of which were produced ) : The original signed agreement or application in the original creditors file showing the consumers signature. 
The complete payment history / account ledger from account opening through present, showing dates and amounts of all charges and payments. 
Proof of ownership or assignment demonstrating the chain of title from the original creditor ( Progressive ) to Caine & Weiner ( or any assignee ). 
An itemized balance calculation showing principal, interest, fees, and how the balance was computed. 
The date of last payment/ date of last activity with supporting transaction records. 
The name and contact information of the original creditor and any documentation of assignment. 
Any court judgments or other legal documents relied upon to establish collection authority ( if applicable ). 
A single-page bill, a generic balance summary, or a copy of my credit report is not documentary validation and does not satisfy FDCPA 809 ( b ) or the FCRA/Metro 2 accuracy standards .

Legal violations ( summary ) : Caine & Weiners and any credit bureaus conduct violates multiple federal statutes and rules, including but not limited to : FDCPA 809 ( b ) ( 15 U.S.C. 1692g ( b ) ) Failure to provide proper written validation and continuing to collect/report without verification.

FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) CRAs must follow reasonable procedures to assure maximum possible accuracy.

FCRA 611 ( a ) ( 15 U.S.C. 1681i ( a ) ) Failure to conduct a reasonable reinvestigation after notice of dispute.

FCRA 623 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) Furnisher reporting information it knows or should know is inaccurate.

Metro 2 data-furnishing standards Failure to provide consistent identifiers, accurate dates, and appropriate dispute coding when data is disputed. 
Attachments and evidence : Certified mail receipt / tracking showing delivery on the XXXX ( tracking # : WHICH I ALREADY LISTED proof that validation was requested and the clock started, ON XX/XX/XXXX The verification page Caine & Weiner still haven't received it's pending review Recordings of phone calls with representatives XXXX and XXXX 'll upload those to all social media platforms as well, I was very nice and taught your reps the laws they should've learned in training My identification / proof of address-sent-the address you have is not mine, I'm not tied to in any way

Company response to consumer: Closed with explanation