CAINE & WEINER COMPANY, INC. CFPB Complaints

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2000 Latest Complaints
Date Received Timely Response Product Issue State / Zip Submitted Via Tags
03/10/2021 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NY
  • 10453
Web
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX Social Security # XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, Texas XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, PA XXXX DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY. LEGAL DISPUTE REQUESTING FULL DISCLOSURE OF TRUE TIMELINES PERTAINING TO TRADELINE PROCUREMENT, IN ADDITION TO ACTUAL PAYMENT HISTORY PROVING ACTUAL INITIAL DATE OF FIRST 30-DAY LATE PAYMENT HISTORY, THUS TRIGGERING THE 7-YEAR RULE THAT RELATES TO ERRONEOUS OR OBSOLETE INFORMATION. 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. ( 2 ) Civil suits, civil judgments, and records of arrest that from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period. ( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years. ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 1 ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.1 ( b ) Exempted cases. The provisions of subsection ( a ) of this section are not applicable in the case of any consumer credit report to be used in connection with ( 1 ) a credit transaction involving, or which may reasonably be expected to involve, a principal amount of {$150000.00} or more ; ( 2 ) the underwriting of life insurance involving, or which may reasonably be expected to involve, a face amount of {$150000.00} or more ; or ( 3 ) the employment of any individual at an annual salary which equals, or which may reasonably be expected to equal {$75000.00}, or more. ( c ) Running of reporting period. ( 1 ) In general. The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) ** of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. CREDITOR CONTACT INFORMATION : XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. CAINE & WEINER XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. DISCLOSURE : At no time is this a dispute of identity theft or fraud, and I want my dispute answered by the creditor supplying the information on me to be 100 % validated, and/or to see if the timeline for its existence has passed, or if the credit/collection/public record tradeline is on my credit report in violation of the Fair Credit Reporting Act or a violation of the Fair Debt Collection Practices Act. Any item that I believe is not being validated by the creditor or collection agency or public record vendor will be disputed with the Consumer Financial Protection Bureau at a future date. If the item in dispute is legally valid, I will stand by that validation. We only request validation of information and/or debt ownership. At no time will I dispute a credit reporting agency, as it is imperative to the American free markets that XXXX XXXX and XXXX XXXX maintain integrity for the American consumers. The following federal laws are what I am basing my rights under : Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text I make this request based upon potentially six criteria : 1 ) That I personally agreed and signed a application and/or contract on an extension of credit, and that I may have been late on payments and desire to find an agreed upon timeline when my credit trade line will go to a positive status, or be in position for its legal deletion mandated by the Fair Credit Reporting Act 7-Year rule on the deletion of antiquated information. 2 ) That there may be items on my credit report that was acquired through a public record vendor, and that I may request a fully documented validation of any or all items posted from public record, and upon discovery may request the deletion of the public record postings based upon legal time limits, and/or completed research proving the settled agreements between myself and a second or third party. In and event, if the public record is legal, I will agree upon the trade line being maintained on my credit report until the time arrives where it can legally be removed. 3 ) I may dispute any collection agency that maintains that they are attempting to collect a debt, either for an original creditor I may have had an association with, or if the collection agency maintains that they have acquired the debt. I may request from the debt collector full documentation of assignment of debt collection in written form as mandated by the Federal Trade Commission, including but not limited to verification that the collection agency is bonded and legally approved to collect debts from consumers within my state of residency, and if the agency maintains that the debt has been acquired by purchase, then full documented history of the debt transfer either directly from the original creditor and/or from the securitized trust the debt may have been sold to in a debt portfolio administered through the full regulatory body of the Securities and Exchange Commission. I may in addition request such documentation through the Federal Deposit Insurance Corporation if that is indeed the governing body of the original credit grantor. 4 ) I will dispute all public utility payment histories including the collection process assigned to any collection agency, as all public utilities including cell phone charges, natural gas, electric and public violations within municipalities are not governed by the Fair Credit Reporting Act, but by governing bodies within each state known as public service commissions. At no time will I ever agree upon the postings of public utilities on my credit report, even though I understand that I may volunteer to add my payment histories of this nature at any time. 5 ) I may request the services of the Consumer Financial Protection Bureau to help me as a potential mediator in cases where I believe that my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act are in violation. At all times I will maintain a professional demeanor on the clearance of negative information on any of my credit reports. 6 ) I will only file a direct complaint with any credit reporting agency if I believe enough evidence has been ascertained showing that the creditor, collection agency and/or public service vendor is in violation of their subscriber agreement with any credit reporting agency. I may dispute excessive inquiries posted on my credit reports based on the following. As the Federal Trade Commission struggles every year with maintaining the integrity of the credit community, from filing charges against illegal collection practices that abuse against the Fair Credit Reporting Act ( FCRA ) and The Fair and Accurate Credit Transactions Act ( FACTA ), bigger problems have evolved that may never be addressed without Congressional overhaul on current legislation. There is one major problem in the FICO scoring models implemented with each major credit reporting agency ( CRAS ). The excessive use of credit checks that draw down ones credit scores, and in many cases these credit reports are run as a full inquiry that causes severe damage to a persons credit score even though there was no validation on approval to pull credit or as the FCRA states a legitimate business need. Accordingly ; I may request under my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the Fair Debt Collection Practices Act ( FDCPA ) I request a full validation of each posted inquiry, proving that I indeed signed a credit authorization for each inquiry. DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY. LEGAL DISPUTE ON EXCESSIVE INQUIRY PRACTICES INTO A CONSUMER REPORT WITHOUT PROPER DISCLOSURES IN PLACE AND/OR ABUSIVE EXTENSION OF LEGITIMATE BUSINESS PURPOSES, THIS IS THE ACTUAL GUIDELINES OF OBTAINING CONSUMER REPORTS UNDER THE FAIR CREDIT REPORTING ACT As a public service, the staff of the Federal Trade Commission XXXX FTC XXXX has prepared the following complete text of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Although staff generally followed the format of the U.S. Code as published by the Government Printing Office, the format of this text does differ in minor ways from the Code ( and from West 's U.S. Code Annotated ). For example, this version uses FCRA section numbers ( 601-625 ) in the headings. ( The relevant U.S. Code citation is included with each section heading and each reference to the FCRA in the text. ) 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. ( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumer 's eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicant 's financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account. ( 4 ) In response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that ( A ) the consumer report is needed for the purpose of establishing an individual 's capacity to make child support payments or determining the appropriate level of such payments ; ( B ) the paternity of the consumer for the child to which the obligation relates has been established or acknowledged by the consumer in accordance with State laws under which the obligation arises ( if required by those laws ) ; ( C ) the person has provided at least 10 days ' prior notice to the consumer whose report is requested, by certified or registered mail to the last known address of the consumer, that the report will be requested ; and ( D ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose. ( 5 ) To an agency administering a State plan under Section 454 of the Social Security Act ( 42 U.S.C. 654 ) for use to set an initial or modified child support award. ( b ) Conditions for furnishing and using consumer reports for employment purposes. ( 1 ) Certification from user. A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) with respect to the consumer report, and the person will comply with paragraph ( 3 ) with respect to the consumer report if paragraph ( 3 ) becomes applicable ; and ( ii ) information from the consumer report will not be used in violation of any applicable Federal or State equal employment opportunity law or regulation ; and ( B ) the consumer reporting agency provides with the report, or has previously provided, a summary of the consumer 's rights under this title, as prescribed by the Federal Trade Commission under section 609 ( c ) ( 3 ) [ 1681g ]. ( 2 ) Disclosure to consumer. ( A ) In general. Except as provided in subparagraph ( B ), a person may not procure a consumer report, or cause a consumer report to be procured, for employment purposes with respect to any consumer, unless -- ( i ) a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes ; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person. ( B ) Application by mail, telephone, computer, or other similar means. If a consumer described in subparagraph ( C ) applies for employment by mail, telephone, computer, or other similar means, at any time before a consumer report is procured or caused to be procured in connection with that application -- ( i ) the person who procures the consumer report on the consumer for employment purposes shall provide to the consumer, by oral, written, or electronic means, notice that a consumer report may be obtained for employment purposes, and a summary of the consumer 's rights under section 615 ( a ) ( 3 ) ; and ( ii ) the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person. ( C ) Scope. Subparagraph ( B ) shall apply to a person procuring a consumer report on a consumer in connection with the consumer 's application for employment only if -- ( i ) the consumer is applying for a position over which the Secretary of Transportation has the power to establish qualifications and maximum hours of service pursuant to the provisions of section 31502 of title 49, or a position subject to safety regulation by a State transportation agency ; and ( ii ) as of the time at which the person procures the report or causes the report to be procured the only interaction between the consumer and the person in connection with that employment application has been by mail, telephone, computer, or other similar means. ( 3 ) Conditions on use for adverse actions. ( A ) In general. Except as provided in subparagraph ( B ), in using a consumer report for employment purposes, before taking any adverse action based in whole or in part on the report, the person intending to take such adverse action shall provide to the consumer to whom the report relates -- ( i ) a copy of the report ; and ( ii ) a description in writing of the rights of the consumer under this title, as prescribed by the Federal Trade Commission under section 609 ( c ) ( 3 ). I have opted out of my public information with XXXX, and I believe that requesting the deletion of any inquiry based on any legitimate connection to a public record vendor such as XXXX is within my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Transactions Act ( FACTA ) and the Fair Debt Collection Practices Act ( FDCPA ). In review of the numerous hard copy disputes on my credit report, I am requesting only the proper protocol to be adhered to in order to maintain the legitimacy of the hard inquiry, that includes an actual name of the person involved with any company that pulled a hard review of my credit history, but in addition a copy of the actual report ascertained from such a review. If these items can not be produced, then by deductive reasoning the hard inquiry is not 100 % legitimate. Accordingly, under review of 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ), I request the deletion of the following lists of hard inquiries as follows : I demand my rights be protected based on the 2020 Edition of the Privacy Act published by the U.S. Department of Justice. B. 5 U.S.C. 552a ( a ) ( 2 ) Individual [ T ] he term individual means a citizen of the United States or an alien lawfully admitted for permanent residence. 5 U.S.C. 552a ( a ) ( 2 ). Comment : The Privacy Acts definition of individual is much narrower than the FOIAs definition of person, which draws from the Administrative Procedures Act. See 5 U.S.C. 551 ( 2 ) ( 2018 ) ( defining person as an individual, partnership, corporation, association, or public or private organization other than an agency. ) ; see also, e.g., Raven, 583 F.2d at 170-71 ( comparing use of the word individual in the Privacy Act, as opposed to the word person, as more broadly used in the FOIA ) ; Cudzich v. INS , 886 F. Supp. 101, 105 ( D.D.C. 1995 ) ( A plaintiff whose permanent resident status had been revoked is not an individual for the purposes of the Privacy Act.... Plaintiffs only potential access to the requested information is therefore under the Freedom of Information Act. ). The Privacy Act generally covers citizens and lawful permanent residents, but others have some protections. Generally, individuals under the Privacy Act are US citizens and lawful permanent residents. See S. Rep. No. 93-1183, at 79, reprinted in Source Book at 232, https : //www.justice.gov/opcl/paoverview_sourcebook ; OMB 1975 Guidelines, 40 Fed. Reg. at 28,951, https : XXXX. The Privacy Act as initially enacted did not generally protect non-resident foreign nationals. See, e.g., Raven v. Panama Canal Co., 583 F.2d 169, 170-71 ( 5th Cir. 1978 ) ( referencing legislative history that reflects the congressional intent to exclude nonresident aliens from Privacy Act coverage ) ; Soto v. State, 244 F. Supp. 3d 207, 208-09 ( D.D.C. 2017 ) ( per curiam ) ( unpublished table decision ) ( citing Fares v. INS, 50 F.3d 6 ( 4th Cir. 1995 ) ) ( [ Privacy ] Act only protects citizens of the United IMMEDIATE ACTION REQUIRED : PLEASE INSERT A BLOCK ON MY FILE FROM ALL FUTURE PROMOTIONAL REVIEWS THE FOLLOWING ATTACHED REVIEWS OF MY CREDIT IS A DISASTER AND I WOULD HAVE NEVER HAVE AUTHORIZE SO MANY REVIEWS. I HAVE DELETED ALL APPLICATIONS. PLEASE DELETE ALL OF THE ATTACHED CREDIT REVIEWS AS THEY WOULD HAVE NEVER BEEN AUTHORIZED. PLEASE BLOCK MY CREDIT REPORT INFORMATION FROM ALL UNAUTHORIZED INQUIRIES FROM THIS POINT FORWARD : This letter is addressed to the subscriber furnishing the information on my credit reports, and if this letter is addressed to any credit reporting agency, then it is considered a ghost letter mirroring the actual request for documentation of a credit trade line I may have issues with. It is my understanding that each credit reporting agency has an obligation to maintain accuracy within the banking/credit community, and I will fulfill my obligations to work within the credit system as it was designated. Thank you for your full consideration in this matter. Sincerely, XXXX XXXX XXXX XXXX
03/08/2021 Yes
  • Debt collection
  • Federal student loan debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • PA
  • 19018
Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Social Security # XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Texas XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXXXXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, XXXX, PA XXXX DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY. LEGAL DISPUTE REQUESTING FULL DISCLOSURE OF TRUE TIMELINES PERTAINING TO TRADELINE PROCUREMENT, IN ADDITION TO ACTUAL PAYMENT HISTORY PROVING ACTUAL INITIAL DATE OF FIRST 30-DAY LATE PAYMENT HISTORY, THUS TRIGGERING THE 7-YEAR RULE THAT RELATES TO ERRONEOUS OR OBSOLETE INFORMATION. 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. ( 2 ) Civil suits, civil judgments, and records of arrest that from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period. ( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years. ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 1 ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.1 ( b ) Exempted cases. The provisions of subsection ( a ) of this section are not applicable in the case of any consumer credit report to be used in connection with ( 1 ) a credit transaction involving, or which may reasonably be expected to involve, a principal amount of {$150000.00} or more ; ( 2 ) the underwriting of life insurance involving, or which may reasonably be expected to involve, a face amount of {$150000.00} or more ; or ( 3 ) the employment of any individual at an annual salary which equals, or which may reasonably be expected to equal {$75000.00}, or more. ( c ) Running of reporting period. ( 1 ) In general. The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) ** of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. CREDITOR CONTACT INFORMATION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. US DEPT OF EDXXXX XXXX XXXX XXXX XXXX, WI XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. CAINE WEINER XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. DISCLOSURE : At no time is this a dispute of identity theft or fraud, and I want my dispute answered by the creditor supplying the information on me to be 100 % validated, and/or to see if the timeline for its existence has passed, or if the credit/collection/public record tradeline is on my credit report in violation of the Fair Credit Reporting Act or a violation of the Fair Debt Collection Practices Act. Any item that I believe is not being validated by the creditor or collection agency or public record vendor will be disputed with the Consumer Financial Protection Bureau at a future date. If the item in dispute is legally valid, I will stand by that validation. We only request validation of information and/or debt ownership. At no time will I dispute a credit reporting agency, as it is imperative to the American free markets that XXXX, XXXX and XXXX XXXX maintain integrity for the American consumers. The following federal laws are what I am basing my rights under : Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text I make this request based upon potentially six criteria : 1 ) That I personally agreed and signed a application and/or contract on an extension of credit, and that I may have been late on payments and desire to find an agreed upon timeline when my credit trade line will go to a positive status, or be in position for its legal deletion mandated by the Fair Credit Reporting Act 7-Year rule on the deletion of antiquated information. 2 ) That there may be items on my credit report that was acquired through a public record vendor, and that I may request a fully documented validation of any or all items posted from public record, and upon discovery may request the deletion of the public record postings based upon legal time limits, and/or completed research proving the settled agreements between myself and a second or third party. In and event, if the public record is legal, I will agree upon the trade line being maintained on my credit report until the time arrives where it can legally be removed. 3 ) I may dispute any collection agency that maintains that they are attempting to collect a debt, either for an original creditor I may have had an association with, or if the collection agency maintains that they have acquired the debt. I may request from the debt collector full documentation of assignment of debt collection in written form as mandated by the Federal Trade Commission, including but not limited to verification that the collection agency is bonded and legally approved to collect debts from consumers within my state of residency, and if the agency maintains that the debt has been acquired by purchase, then full documented history of the debt transfer either directly from the original creditor and/or from the securitized trust the debt may have been sold to in a debt portfolio administered through the full regulatory body of the Securities and Exchange Commission. I may in addition request such documentation through the Federal Deposit Insurance Corporation if that is indeed the governing body of the original credit grantor. 4 ) I will dispute all public utility payment histories including the collection process assigned to any collection agency, as all public utilities including cell phone charges, natural gas, electric and public violations within municipalities are not governed by the Fair Credit Reporting Act, but by governing bodies within each state known as public service commissions. At no time will I ever agree upon the postings of public utilities on my credit report, even though I understand that I may volunteer to add my payment histories of this nature at any time. 5 ) I may request the services of the Consumer Financial Protection Bureau to help me as a potential mediator in cases where I believe that my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act are in violation. At all times I will maintain a professional demeanor on the clearance of negative information on any of my credit reports. 6 ) I will only file a direct complaint with any credit reporting agency if I believe enough evidence has been ascertained showing that the creditor, collection agency and/or public service vendor is in violation of their subscriber agreement with any credit reporting agency. I may dispute excessive inquiries posted on my credit reports based on the following. As the Federal Trade Commission struggles every year with maintaining the integrity of the credit community, from filing charges against illegal collection practices that abuse against the Fair Credit Reporting Act ( FCRA ) and The Fair and Accurate Credit Transactions Act ( FACTA ), bigger problems have evolved that may never be addressed without Congressional overhaul on current legislation. There is one major problem in the FICO scoring models implemented with each major credit reporting agency ( CRAS ). The excessive use of credit checks that draw down ones credit scores, and in many cases these credit reports are run as a full inquiry that causes severe damage to a persons credit score even though there was no validation on approval to pull credit or as the FCRA states a legitimate business need. Accordingly ; I may request under my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the Fair Debt Collection Practices Act ( FDCPA ) I request a full validation of each posted inquiry, proving that I indeed signed a credit authorization for each inquiry. DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY. LEGAL DISPUTE ON EXCESSIVE INQUIRY PRACTICES INTO A CONSUMER REPORT WITHOUT PROPER DISCLOSURES IN PLACE AND/OR ABUSIVE EXTENSION OF LEGITIMATE BUSINESS PURPOSES, THIS IS THE ACTUAL GUIDELINES OF OBTAINING CONSUMER REPORTS UNDER THE FAIR CREDIT REPORTING ACT As a public service, the staff of the Federal Trade Commission ( FTC ) has prepared the following complete text of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Although staff generally followed the format of the U.S. Code as published by the Government Printing Office, the format of this text does differ in minor ways from the Code ( and from West 's U.S. Code Annotated ). For example, this version uses FCRA section numbers ( 601-625 ) in the headings. ( The relevant U.S. Code citation is included with each section heading and each reference to the FCRA in the text. ) 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. ( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumer 's eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicant 's financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account. ( 4 ) In response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that ( A ) the consumer report is needed for the purpose of establishing an individual 's capacity to make child support payments or determining the appropriate level of such payments ; ( B ) the paternity of the consumer for the child to which the obligation relates has been established or acknowledged by the consumer in accordance with State laws under which the obligation arises ( if required by those laws ) ; ( C ) the person has provided at least 10 days ' prior notice to the consumer whose report is requested, by certified or registered mail to the last known address of the consumer, that the report will be requested ; and ( D ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose. ( 5 ) To an agency administering a State plan under Section 454 of the Social Security Act ( 42 U.S.C. 654 ) for use to set an initial or modified child support award. ( b ) Conditions for furnishing and using consumer reports for employment purposes. ( 1 ) Certification from user. A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) with respect to the consumer report, and the person will comply with paragraph ( 3 ) with respect to the consumer report if paragraph ( 3 ) becomes applicable ; and ( ii ) information from the consumer report will not be used in violation of any applicable Federal or State equal employment opportunity law or regulation ; and ( B ) the consumer reporting agency provides with the report, or has previously provided, a summary of the consumer 's rights under this title, as prescribed by the Federal Trade Commission under section 609 ( c ) ( 3 ) [ 1681g ]. ( 2 ) Disclosure to consumer. ( A ) In general. Except as provided in subparagraph ( B ), a person may not procure a consumer report, or cause a consumer report to be procured, for employment purposes with respect to any consumer, unless -- ( i ) a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes ; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person. ( B ) Application by mail, telephone, computer, or other similar means. If a consumer described in subparagraph ( C ) applies for employment by mail, telephone, computer, or other similar means, at any time before a consumer report is procured or caused to be procured in connection with that application -- ( i ) the person who procures the consumer report on the consumer for employment purposes shall provide to the consumer, by oral, written, or electronic means, notice that a consumer report may be obtained for employment purposes, and a summary of the consumer 's rights under section 615 ( a ) ( 3 ) ; and ( ii ) the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person. ( C ) Scope. Subparagraph ( B ) shall apply to a person procuring a consumer report on a consumer in connection with the consumer 's application for employment only if -- ( i ) the consumer is applying for a position over which the Secretary of Transportation has the power to establish qualifications and maximum hours of service pursuant to the provisions of section 31502 of title 49, or a position subject to safety regulation by a State transportation agency ; and ( ii ) as of the time at which the person procures the report or causes the report to be procured the only interaction between the consumer and the person in connection with that employment application has been by mail, telephone, computer, or other similar means. ( 3 ) Conditions on use for adverse actions. ( A ) In general. Except as provided in subparagraph ( B ), in using a consumer report for employment purposes, before taking any adverse action based in whole or in part on the report, the person intending to take such adverse action shall provide to the consumer to whom the report relates -- ( i ) a copy of the report ; and ( ii ) a description in writing of the rights of the consumer under this title, as prescribed by the Federal Trade Commission under section 609 ( c ) ( 3 ). I have opted out of my public information with XXXX, and I believe that requesting the deletion of any inquiry based on any legitimate connection to a public record vendor such as XXXX is within my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Transactions Act ( FACTA ) and the Fair Debt Collection Practices Act ( FDCPA ). In review of the numerous hard copy disputes on my credit report, I am requesting only the proper protocol to be adhered to in order to maintain the legitimacy of the hard inquiry, that includes an actual name of the person involved with any company that pulled a hard review of my credit history, but in addition a copy of the actual report ascertained from such a review. If these items can not be produced, then by deductive reasoning the hard inquiry is not 100 % legitimate. Accordingly, under review of 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ), I request the deletion of the following lists of hard inquiries as follows : I demand my rights be protected based on the 2020 Edition of the Privacy Act published by the U.S. Department of Justice. B. 5 U.S.C. 552a ( a ) ( 2 ) Individual [ T ] he term individual means a citizen of the United States or an alien lawfully admitted for permanent r esidence. 5 U.S.C. 552a ( a ) ( 2 ). Comment : The Privacy Acts definition of individual is much narrower than the FOIAs definition of person, which draws from the Administrative Procedures Act. See 5 U.S.C. 551 ( 2 ) ( 2018 ) ( defining person as an individual, partnership, corporation, association, or public or private organization other than an agency. ) ; see also, e.g., Raven, 583 F.2d at 170-71 ( comparing use of the word individual in the Privacy Act, as opposed to the word person, as more broadly used in the FOIA ) ; Cudzich v. INS , 886 F. Supp. 101, 105 ( D.D.C. 1995 ) ( A plaintiff whose permanent resident status had been revoked is not an individual for the purposes of the Privacy Act.... Plaintiffs only potential access to the requested information is therefore under the Freedom of Information Act. ). The Privacy Act generally covers citizens and lawful permanent residents, but others have some protections. Generally, individuals under the Privacy Act are US citizens and lawful permanent residents. See S. Rep. No. 93-1183, at 79, reprinted in Source Book at 232, https : //www.justice.gov/opcl/paoverview_sourcebook ; OMB 1975 Guidelines, 40 Fed. Reg. at 28,951, https : //www.justice.gov/paoverview_omb-75. The Privacy Act as initially enacted did not generally protect non-resident foreign nationals. See, e.g., Raven v. Panama Canal Co., 583 F.2d 169, 170-71 ( 5th Cir. 1978 ) ( referencing legislative history that reflects the congressional intent to exclude nonresident aliens from Privacy Act coverage ) ; Soto v. State, 244 F. Supp. 3d 207, 208-09 ( D.D.C. 2017 ) ( per curiam ) ( unpublished table decision ) ( citing Fares v. INS, 50 F.3d 6 ( 4th Cir. 1995 ) ) ( [ Privacy ] Act only protects citizens of the United IMMEDIATE ACTION REQUIRED : PLEASE INSERT A BLOCK ON MY FILE FROM ALL FUTURE PROMOTIONAL REVIEWS THE FOLLOWING ATTACHED REVIEWS OF MY CREDIT IS A DISASTER AND I WOULD HAVE NEVER HAVE AUTHORIZE SO MANY REVIEWS. I HAVE DELETED ALL APPLICATIONS. PLEASE DELETE ALL OF THE ATTACHED CREDIT REVIEWS AS THEY WOULD HAVE NEVER BEEN AUTHORIZED. PLEASE BLOCK MY CREDIT REPORT INFORMATION FROM ALL UNAUTHORIZED INQUIRIES FROM THIS POINT FORWARD : This letter is addressed to the subscriber furnishing the information on my credit reports, and if this letter is addressed to any credit reporting agency, then it is considered a ghost letter mirroring the actual request for documentation of a credit trade line I may have issues with. It is my understanding that each credit reporting agency has an obligation to maintain accuracy within the banking/credit community, and I will fulfill my obligations to work within the credit system as it was designated. Thank you for your full consideration in this matter. Sincerely, XXXX XXXX XXXX XXXX
02/22/2023 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • FL
  • 346XX
Web
Per Cfr 1022.41 and 15 USC 1681 Permissibly purposes, Caine & Weiner account is { {$310.00} } is reporting incorrect across all credit reporting agencies. Per 15 USC 1666a -b Reporting ADVERSE credit ratings or standings on my credit report, Timing on Payment the credit reporting agencies can not report utilization to any 3rd party All 3 companies are reporting Utilization which is wrong. Per 31 CFR 903.5 AND 31 USC 3711 Also a charged off account is income and a certificate of Indebtedness according to the Irs Publication. The credit reporting agencies are not to report income on my credit report. XXXX XXXX is in violation of my privacy rights Per the Privacy Act of 1974 Also said that under 5 USC 552A your social is not supposed to be given out to anyone. They also sharing information with another 3rd party /non affiliate which is in violation of my 16 CFR 313.7 Opt-Out notice. XXXX XXXX violated my rights as well under 15 USC 6802-6805 They are supposed to send me an opt-out letter every 30 days. I Have the right to opt-out of anything on credit report. 15 usc 1681m ( 1 ) In general No person shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c2 of this title has resulted from identity theft. Here is a list of laws that XXXX XXXX is abusing and violating me as well as all credit reporting agencies. 12 CFR 1022.41 ( a ) Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : ( 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer. c ) Furnisher means an entity that furnishes information relating to consumers to one or more consumer reporting agencies for inclusion in a consumer report. An entity is not a furnisher when it : ( 1 ) Provides information to a consumer reporting agency solely to obtain a consumer report in accordance with sections 604 ( a ) and ( f ) of the FCRA ; ( 2 ) Is acting as a consumer reporting agency as defined in section 603 ( f ) of the FCRA ; ( 3 ) Is a consumer to whom the furnished information pertains; or ( 4 ) Is a neighbor, friend, or associate of the consumer, or another individual with whom the consumer is acquainted or who may have knowledge about the consumer, and who provides information about the consumer 's character, general reputation, personal characteristics, or mode of living in response to a specific request from a consumer reporting agency. ( d ) Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : The Privacy Act of 1974 is a federal law that governs our collection and use of records we maintain on you in a system of records. A system of records is any grouping of information about an individual under the control of a Federal agency from which information is retrievable by personal identifiers, such as name, social security number, or other identifying number or symbol. Under the Privacy Act, Federal agencies may not disclose information without consent unless certain exceptions apply to the disclosure. The Privacy Act provides protections to individuals in three primary ways. It provides individuals with : the right to request their records, subject to Privacy Act exemptions ; the right to request a change to their records that are not accurate, relevant, timely or complete ; and the right to be protected against unwarranted invasion of their privacy resulting from the collection, maintenance, use, and disclosure of their personal information. ( b ) CONDITIONS OF DISCLOSURE. No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 1 ) to those officers and employees of the agency which maintains the record who have a need for the record in the performance of their duties; ( 2 ) required under section 552 of this title ; ( 3 ) for a routine use as defined in subsection ( a ) ( 7 ) of this section and described under sub- section ( e ) ( 4 ) ( D ) of this section ; ( 4 ) to the Bureau of the Census for purposes of planning or carrying out a census or survey or related activity pursuant to the provisions of title 13 ; ( 5 ) to a recipient who has provided the agency with advance adequate written assurance that the record will be used solely as a statis- tical research or reporting record, and the record is to be transferred in a form that is not individually identifiable ; ACCOUNTING OF CERTAIN DISCLOSURES. Each agency, with respect to each system of records under its control, shall ( 1 ) except for disclosures made under sub- sections ( b ) ( 1 ) or ( b ) ( 2 ) of this section, keep an accurate accounting of ( A ) the date, nature, and purpose of each disclosure of a record to any person or to an- other agency made under subsection ( b ) of this section; and ( B ) the name and address of the person or agency to whom the disclosure is made ; ( 2 ) retain the accounting made under para- graph ( 1 ) of this subsection for at least five years or the life of the record, whichever is longer, after the disclosure for which the ac- counting is made ; ( 3 ) except for disclosures made under sub- section ( b ) ( 7 ) of this section, make the ac- counting made under paragraph ( 1 ) of this sub- section available to the individual named in the record at his request; and ( 4 ) inform any person or other agency about any correction or notation of dispute made by the agency in accordance with subsection ( d ) of this section of any record that has been dis- closed to the person or agency if an accounting of the disclosure was made. ( n ) MAILING LISTS. An individuals name and address may not be sold or rented by an agency unless such action is specifically authorized by law. This provision shall not be construed to re- quire the withholding of names and addresses otherwise permitted to be made public. 31 CFR 29.518 - Reporting delinquent debts to credit bureaus. e ) Privacy Act considerations. A delinquent debt may not be reported under this section unless a notice issued pursuant to the Privacy Act, 5 U.S.C. 552a ( e ) ( 4 ), authorizes the disclosure of information about the debtor to a credit bureau. 15 U.S. Code 6801 - Protection of nonpublic personal information a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. ( b ) Financial institutions safeguards. In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. Opt out ( 1 ) In general, A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. ( d ) Limitations on the sharing of account number information for marketing purposes A financial institution shall not disclose, other than to a consumer reporting agency, an account number or similar form of access number or access code for a credit card account, deposit account, or transaction account of a consumer to any nonaffiliated third party for use in telemarketing, direct mail marketing, or other marketing through electronic mail to the consumer. 15 U.S. Code 6805 Enforcement ( A ) national banks, Federal branches and Federal agencies of foreign banks, and any subsidiaries of such entities ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ) ; ( B ) member banks of the Federal Reserve System ( other than national banks ), branches and agencies of foreign banks ( other than Federal branches, Federal agencies, and insured State branches of foreign banks ), commercial lending companies owned or controlled by foreign banks, organizations operating under section 25 or 25A of the Federal Reserve Act [ 12 U.S.C. 601 et seq., 611 et seq. ], and bank holding companies and their nonbank subsidiaries or affiliates ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ) ; ( C ) 313.7 Form of opt out notice to consumers ; opt out methods. ( a ) ( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 313.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right. ( e ) Time to comply with opt out. You must comply with a consumer 's opt out direction as soon as reasonably practicable after you receive it. ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. ( C ) No address requirement A person who clearly and conspicuously specifies to the consumer an address for notices referred to in subparagraph ( B ) shall not be subject to subparagraph ( A ) ; however, nothing in subparagraph ( B ) shall require a person to specify such an address. ( D ) Definition For purposes of subparagraph ( A ), the term reasonable cause to believe that the information is inaccurate means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of the information. 15 usc 1681m ( 1 ) In general No person shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c2 of this title has resulted from identity theft. 12 CFR 1022.41 ( a ) Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : ( 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer. ( b ) Direct dispute means a dispute submitted directly to a furnisher ( including a furnisher that is a debt collector ) by a consumer concerning the accuracy of any information contained in a consumer report and pertaining to an account or other relationship that the furnisher has or had with the consumer. ( c ) Furnisher means an entity that furnishes information relating to consumers to one or more consumer reporting agencies for inclusion in a consumer report. An entity is not a furnisher when it : ( 1 ) Provides information to a consumer reporting agency solely to obtain a consumer report in accordance with sections 604 ( a ) and ( f ) of the FCRA ; ( 2 ) Is acting as a consumer reporting agency as defined in section 603 ( f ) of the FCRA ; ( 3 ) Is a consumer to whom the furnished information pertains; or ( 4 ) Is a neighbor, friend, or associate of the consumer, or another individual with whom the consumer is acquainted or who may have knowledge about the consumer, and who provides information about the consumer 's character, general reputation, personal characteristics, or mode of living in response to a specific request from a consumer reporting agency. ( d ) Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : ( i ) Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ; and ( e ) Duty of furnisher after receiving a direct dispute notice. After receiving a dispute notice from a consumer pursuant to paragraphs ( c ) and ( d ) of this section, the furnisher must : ( 1 ) Conduct a reasonable investigation with respect to the disputed information ; ( 2 ) Review all relevant information provided by the consumer with the dispute notice ; ( 3 ) Complete its investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 611 ( a ) ( 1 ) of the FCRA ( 15 U.S.C. 1681i ( a ) ( 1 ) ) within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section; and ( 4 ) If the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the furnisher provided inaccurate information of that determination and provide to the consumer reporting agency any correction to that information that is necessary to make the information provided by the furnisher ( b ) Definitions. The following definitions apply to this exemption : 16 CFR 313.1 ( b ) Scope. This part applies only to nonpublic personal information about individuals who obtain financial products or services primarily for personal, family or household purposes from the institutions listed below. This part does not apply to information about companies or about individuals who obtain financial products or services for business, commercial, or agricultural purposes. This part applies to those financial institutions over which the Federal Trade Commission ( Commission ) has rulemaking authority pursuant to section 504 ( a ) ( 1 ) ( C ) of the Gramm-Leach-Bliley Act. An entity is a financial institution if its business is engaging in an activity that is financial in nature or incidental to such financial activities as described in section 4 ( k ) of the Bank Holding Company Act of 1956, 12 U.S.C. 1843 ( k ), which incorporates activities enumerated by the Federal Reserve Board in 12 CFR 225.28 and 225.86. The financial institutions subject to the Commission 's rulemaking authority are any persons described in 12 U.S.C. 5519 that are predominantly engaged in the sale and servicing of motor vehicles, the leasing and servicing of motor vehicles, or both. They are referred to in this part as You. Excluded from the coverage of this part are motor vehicle dealers described in 12 U.S.C. 5519 ( b ) that directly extend to consumers retail credit or retail leases involving motor vehicles in which the contract governing such extension of retail credit or retail leases is not routinely assigned to an unaffiliated third party finance or leasing source. ( m ) ( 1 ) Nonaffiliated third party means any person except : ( i ) Your affiliate; or ( ii ) A person employed jointly by you and any company that is not your affiliate ( but nonaffiliated third partyincludes the other company that jointly employs the person ). ( 2 ) Nonaffiliated third party includes any company that is an affiliate by virtue of your or your affiliate 's direct or indirect ownership or control of the company in conducting merchant banking or investment banking activities of the type described in section 4 ( k ) ( 4 ) ( H ) or insurance company investment activities of the type described in section 4 ( k ) ( 4 ) ( I ) of the Bank Holding Company Act ( 12 U.S.C. 1843 ( k ) ( 4 ) ( H ) and ( I ) ). ( n ) ( 1 ) Nonpublic personal information means : ( i ) Personally identifiable financial information; and ( ii ) Any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived using any personally identifiable financial information that is not publicly available. Subpart A - Privacy and Opt Out Notices 313.4 Initial privacy notice to consumers required. ( a ) Initial n 15 U.S. Code 6801 - Protection of nonpublic personal information a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. ( b ) Financial institutions safeguards. In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.
05/16/2022 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NC
  • 27587
Web
XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Compliant Misinformation that is all or in part : DEFICIENT of adequate current status in full-ness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNER-SHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infractionious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT XXXX XXXX data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or CRSA CDIA XXXX XXXX COMPLIANT reporting. FEDERAL laws dictate that any and all derogatory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifiability of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now. Please RETURN to or retain federally lawful reporting with your unwavering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. I would like to forge forward with a righted disputation challenging what likely is an inaccurate, untrue, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, XXXX XXXX compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey : The following allegations each require immediate deletion, do so now and here! Below are the accounts in question : Credit account you are alleging the negative claims still yet deficit of proof of truth, correctness, completeness, timeliness, and or else wise adequate COMPLIANCE to all laws and the XXXX XXXX data field formatted reporting standards, therefore lawfully you MUST ERADICATE any and all adverse remarks : Credit account : Caine & Weiner Acct # XXXX Please accept this as my Official Writ Composition Notification in lawful declaration of your DEFICIENT of compliant reporting and demands for you to become suitably and substantially compliant to your requisites of mandated reporting laws and truthful, correct, complete, and timely submission of adequate full information of alleged derogatory nature ( s ) in the XXXX XXXX da-ta field formatted reporting regulatory standards REQUIRED of you and ANY ENTITY related to any consumers credit report profile or the transfer or use of it. This is a COMPLAINT that your allegations are NOT within the accepted standards of reporting law and as such you are compelled to eradicate by deletion of any adverse indicators or demonstrate physically verifiable evidence adequately validated claims. This letter is regarding my account ( s ) with you, as noted above> that being, this declaration is a notification of my request for check of and PROOF of lawful COMPLIANCE to every and all reporting regulations, laws, and standards of practice, to INCLUDE PROOF evidence of you complete and irrefutably accurate and appropriate XXXX XXXX COMPLIANCE as related to each and all of the accusations of adverse account ( XXXX ) and or aspects thereof. IT IS UNLAWFUL to retain and or report any information NOT PROVEN COMPLIANT, NOT PROVEN TRUE, NOT PROVEN ACCURATE, NOT PROVEN COMPLETE, NOT PROVEN TIMELY, NOT PROVEN of undoubted OWNERSHIP, NOT PROVEN of undoubted RE-SPONSIBILITY, and or else wise DEFICIENT in any manner, whether known or not. It is QUITE OBVIOUS that you somehow still have unproven accusations on my credit reports and in your records allegedly of which you make in regards to these noted challenged items listed above> ( unlawfully so mind you ) .It seems to be, asininely you claim that my account ( s ) has been late on payments. This is a formal notice that your claim is being challenged as to its MANDATED compliant reporting and if unproven then your notification that it is irrefutably being disputed. In the very least. I am requesting validation, made pursuant to the Fair Debt Col-lection Practices Act and the Fair Credit Reporting Act, along with my corresponding local state laws. Please note that I am requesting validation ; that is competent evidence of any and all calculations, accounting audits, dates, and balances as related to only the account agreement ( XXXX ) I hold with you of which there exists a consumer-credit contract detailing my agreement with any and all terms of said proven contract alleged which additionally is unmistakeable in the bearing of my execution of lawful signature indisputably showing that I am knowledgeable of any and all conditions of such that might have created any derogatory or non-positive reflections upon my account history. In particularly, I demand concrete and irrefutable physical evidence of any and all documented proof that I am or have ( or ever had ) been late. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, is a violation of the FCRA and or the FDCPA ; therefore if and when you can not validate the negative remark, or produce substantial physically verifiably confirmed proof of complete reporting truth, accuracy, completeness, timeliness, and compliance > the laws are in clarity to the facts that you absolutely must request that all credit reporting agencies display ON-LY demonstrated proven compliant information to include any related to every single one even each any and or all of the still unproven alleged payment history deficiencies OR ANNUL by full deletion every allegation of derogatory notation and insertion of only PAID or PAYS as AGREED, NEVER LATE! Please forward to me as well as display to the consumer credit re-porting agencies ONLY irrefutably COMPLIANT information as to what the account history is or remove any doubts with your submission to showcase the accounts payment history as " paid or pays as agreed, NEVER LATE entry. Per FEDERAL REQUIREMENTS upon a consumer complaint ( be it a dispute or be it a challenge checking for compliant reporting ) pending the outcome of my investigation of any evidence that you submit, you are further instructed to take no action that could be detrimental to any of my credit reports. Your Failure to respond within 30 days of receipt of this certified letter and or your DEFICIENT OF COMPLIANT RESPONSE will indeed result in small claims legal action against your company at my local venue. Without hesitancy, I would be seeking a minimum of $ XXXX per infraction per reporting cycle in a suitable rectifying and remedial set-ting such as my local civil court ( which undoubtedly would likely to be in my favor ), and or even whatever other minimum monetary awards additionally I might be then rendered due to your deficient of compliant reporting ( or lack of proof of deficient reportings ) as is mandated by my States laws as well as the federal regulations such as is described with the regulatory and obligatory statutes such as the FDCPA, FCRA, my States credit reporting codes or else wise to include the requisites to have only true, correct, and complete recordings in utilization of the XXXX XXXX data field formatted reporting regulatory standards. As is within my consumer and civil rights to do so, I hereby enact my right to compel you by demand to please annul via full deletion/removing of every single one even each any and all of the unproven derogatory allegations of MY ACCOUNT or any aspect of adverse notations that is deficient of demonstrated evidence of certified compliance to adequate lawful and ethical reporting. LET IT BE CLEAR that I am NOT in dispute to the ownership nor responsibility to this account of MINE, however if you are unable or unwilling to present the mandated provable documents as to the full truth, accuracy, completeness, timeliness, and otherwise compliance of HOW REPORTED and HOW utilized, then you must per law eradicate any and all negative aspects. It is my request that you RETURN to or RETAIN federal COMPLIANCE and accurate reporting with your willful display of the accounts history as being PAID/PAYS as AGREED -- NEVER LATE. Any other notation is possibly refutable or even unlawful chichanary-led subterfuge which might be deemed an illegal infraction that creates potential unjustified consumer injury to which is OBVIOUSLY a SE-VERE infringement of any reporting ethics and standards of law. Today, even right NOW and right here I suggest you remove any violation-laced behaviors on your part with you immediate submission to my request via this complaint in writ composition. Please forward me notification that you have communicated with the consumer credit reporting agencies and have, without any delays, directed each to eliminate any and all adverse remarks and further to display PAID or PAYS as AGREED, NEVER LATE!. Any other response on your part is INSUFFICIENT to responsible reporting and would be deemed an act of aggression, be it an unlawful one. In genuine sincerity, XXXX XXXX XXXX
04/25/2017 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • NC
  • 278XX
Web
Caine & Weiner ar e continuing to call, harass and use abusive tactics to collect a debt I FAXED and mailed a cease and desist including remove the account from any and all cra ; s as th at is an attempt to collect a debt. THE LAW states they have to provide3 original signed contract, complet payment history on original creditor account, legal right to collect and letter of assignement between collection and original collector. FACT act letter of notif 30 days prior to reporting ANY late or missed payment by original creditor and FDCPA letter PROVIDED within 5 days of accepting account. THEY REFUSE AND ARE REPORTING ON THE credit reporting agency ILLEGALLY and in NONCOMPLIANCE to ALL credit and collection reporting laws! see letter they ignored! I am making official writ notice to you today, even right now and right here in a civilly recognized certified declaration of composed challenge as I, in my rights to do such, compel or even adamantly demand for your requisite check to ensure you are performing complaint reporting, the compliance of what you are reporting and the compliance of how these allegations are being mysteriously reported by whom you transferred this certain injurious or even illegal damning allegations that are to date severely deficient of adequate proof to be fully all : ( 1 ) true, ( 2 ) fully correct, ( 3 ) fully complete, ( 4 ) within federal timeliness, and ( 5 ) to be of my lawful ownership of responsibility ( 6 ) as well as in agreement to eve ry and one even ea ch any and or all of the mandates/ obligations/regulations/and laws of my state as well as any and all pertinent federal laws, whether noted here or not regardless of your willful disregard of or the ignorance thereof. This letter is in part due to possibly even an response to the likely infringing communications I received from a collector representing your agency very recently , beit a phone call/fax/mail or otherwise matters not since the requisite laws were not obliged by.In thi s horrendous communication, your collector attempted, illegally mind you, to forcibly informed me that I insanely owed YOU an alleged debt ( see enclosed ). Upon reaching out to your collector in reply guardedly mind you, within my legal rights to do so, I questioned the collector regarding your rights to pursue this unproven and infringing accusation, I was stubbornly and overbearingly yet curtly informed that YOUR FIRM 'S policy DID NOT permit any validation of the information regarding this or any alleged debt and it was your firm 's policy to NOT provide detailed account records to ANY debtor.I AM IN MY RIGHTS TO ABSOLUTELY REQUEST THAT YOU PLEASE VERIFY AND VALIDATE PHYSICALLY EVER Y AND ONE EVEN EACH ANY AND OR ALL OF THE CLAIMS OF THIS ALLEGED YET UNPROVEN TO BE MY RESPONSIBILITY OR FAULT.DEMONSTRATE READILY AND TIMELY THE PRECISE CONFIRMING FACTS OF THE ALLEGED ACCOUNT INCLUDING EVERY SINGL E ONE EVEN EACH ANY AND OR ALL OF ITS ARTICL E ASPECTS.BY FEDERAL LAWS, YOU MUST WILLFULLY AND PROMPTLY DELETE TODAY EVEN RIGHT NOW THIS DEFICIENT REPORTING OR ELSE PRESENT TO ME TRUE DOCUMENTED CERTIFICATE PROOF OF ALL DATA, EVERY NOTATION, DATE, BALANCE, CALCULATION, AUDIT, PERSONAL IDENTIFIER, EACH OF THE REQUISI TE 426-CHARACTERS OF THE EXACT AN D FULLY COMPLIAN T P6 STATEMENT , ANY ALPHA-/ NUMER IC-/ AND OR ALPHANUMERIC SOURCE CODE DECIDING THE LEFTNESS OR RIGHTNESS STATES, AND EVEN EVERY ASPECT OF THE MANDATE D 386 PIECES OF CONFIRMATION TO COLLECTION. I have clearly indicated or even demanded to correspond to someone with appropriate authority, should it be a phone call the with a supervisor.YET I HAVE NOT been allowed such communication. I take that, as would anyone in my circumstance I assume, that your collector is trying to make me convinced that a person or adequate authority or even a lowly supervisor is or was unavailable .Worse, without satisfying any of the mandated requirements, it seems as if you are continuing efforts in non-compliance to make me believe I should or must pay the unproven debt or if in defiance I might face being sued by your firm. In past and I am certain should I do such with your firm as well, whenever I informed or do conversationally inform YOUR collector that I was or am in process to start a recording of the totally eradicate of common standards and mis behavioristic, at best descriptions, conversation I was or your collector will hang up or hung up on me. Infringing claims that are not testimonial in its indubitable certificate to be adequately true, accurate, complete, timely and or compliant to ever y and one even each any and or all of the requisite and obligatory State ( mine ) and or Federal laws that are applicable, regardless if claimant alleges ignorance or is willful in their derelict of the mandates violated.Per my RIGHTS to do so, I demand that you adequately ATTEST in lawful composition to every single and one even each any and or all of the data, every notation, the dates and balances, calculations and audits, accounting records and assure even the documented identities, the required CRSA en acte d Metro-2 426-character format fielded P6 statement ( s ), at least the minimal five ( 5 ) portioned personal identifiers, authentic unabbreviated alpha-/ numeric-/ and or alphanumeric source code ( s ), respective corresponding and specific 386 pieces of confirmation to collect, any and every particular status code and description, as well as every single and one even eac h any and or all of the facets demanded by my State and or Federal, mentioned or not.Take note that the Ignorance of laws is not lawfully vindication nor exoneration from delusive chicanery, acted in ignorance or otherwise matters not.To return to or retain required compliance, delete every and one even each any and or all of the derogatory remarks today, even now! I tell you the truth, to this I have made my self aware of my rights and what actions I might seek in reactions to being treated as a lame duck and or threatened with scandalously deplorable legal actions by your representative or any others, I know to know ensure I have quickly a need to contact the United States CONSUMER FINANCIAL PROTECTION BUREAU ; I know I am in need to ensure that I speak or make notice to understanding of the laws and my rights representative who will make certain that I am or have always been forwarded to an appropriate leveled authority figure, maybe even just a supervisor who will or each time in the previous made clear as it is or was being pointed out that, indeed, YOUR Firm IS REQUIRED BY THE FDCPA and the Credit Reporting Bureau Settlement agreement to PROVIDE every single one even each any and or all of the FOLLOWING information to any debtor, including myself, that your firm is pursuing, whether rightfully so or in denial of laws. Additionally, my extensive researches into this matter have detailed to me very assertively that literally an y good attorney knowledgeable on credit, finance, and or every a nd one even each any and or all of the consumer rights laws has confirmed to me that most definitely your FIRM is compelled by ethics, morality, and even TORT laws precedent to provide this information or face a lawsuit to deliver to me adequate monetary justice and satisfaction of remedying annulment of every and one even each any and or allof your untruths, inaccuracies, untimely claims, incomplete allegations, and or all other unpro ven mine or not fully compliant reportings : XXXX XXXX XXXX , XXXX , XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX . XXXX XXXX
04/25/2017 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • NC
  • 278XX
Web
Caine & Weiner are continuing to call, harass and use abusive tactics to collect a debt I FAXED and mailed a cease and desist including remove the account from any and all cra ; s as that is an attempt to collect a debt. THE LAW states they have to provide3 original signed contract, complet payment history on original creditor account, legal right to collect and letter of assignement between collection and original collector. FACT act letter of notif 30 days prior to reporting ANY late or missed payment by original creditor and FDCPA letter PROVIDED within 5 days of accepting account. THEY REFUSE AND ARE REPORTING ON THE credit reporting agency ILLEGALLY and in NONCOMPLIANCE to ALL credit and collection reporting laws! see letter they ignored!

I am making official writ notice to you today, even right now and right here in a civilly recognized certified declaration of composed challenge as I, in my rights to do such, compel or even adamantly demand for your requisite check to ensure you are performing complaint reporting, the compliance of what you are reporting and the compliance of how these allegations are being mysteriously reported by whom you transferred this certain injurious or even illegal damning allegations that are to date severely deficient of adequate proof to be fully all : ( 1 ) true, ( 2 ) fully correct, ( 3 ) fully complete, ( 4 ) within federal timeliness, and ( 5 ) to be of my lawful ownership of responsibility ( 6 ) as well as in agreement to every and one even each any and or all of the mandates/ obligations/regulations/and laws of my state as well as any and all pertinent federal laws, whether noted here or not regardless of your willful disregard of or the ignorance thereof. This letter is in part due to possibly even an response to the likely infringing communications I received from a collector representing your agency very recently, beit a phone call/fax/mail or otherwise matters not since the requisite laws were not obliged by.In this horrendous communication, your collector attempted, illegally mind you, to forcibly informed me that I insanely owed YOU an alleged debt ( see enclosed ). Upon reaching out to your collector in reply guardedly mind you, within my legal rights to do so, I questioned the collector regarding your rights to pursue this unproven and infringing accusation, I was stubbornly and overbearingly yet curtly informed that YOUR FIRM 'S policy DID NOT permit any validation of the information regarding this or any alleged debt and it was your firm 's policy to NOT provide detailed account records to ANY debtor.I AM IN MY RIGHTS TO ABSOLUTELY REQUEST THAT YOU PLEASE VERIFY AND VALIDATE PHYSICALLY EVERY AND ONE EVEN EACH ANY AND OR ALL OF THE CLAIMS OF THIS ALLEGED YET UNPROVEN TO BE MY RESPONSIBILITY OR FAULT.DEMONSTRATE READILY AND TIMELY THE PRECISE CONFIRMING FACTS OF THE ALLEGED ACCOUNT INCLUDING EVERY SINGLE ONE EVEN EACH ANY AND OR ALL OF ITS ARTICLE ASPECTS.BY FEDERAL LAWS, YOU MUST WILLFULLY AND PROMPTLY DELETE TODAY EVEN RIGHT NOW THIS DEFICIENT REPORTING OR ELSE PRESENT TO ME TRUE DOCUMENTED CERTIFICATE PROOF OF ALL DATA, EVERY NOTATION, DATE, BALANCE, CALCULATION, AUDIT, PERSONAL IDENTIFIER, EACH OF THE REQUISITE 426-CHARACTERS OF THE EXACT AND FULLY COMPLIANT P6 STATEMENT, ANY ALPHA-/ NUMERIC-/ AND OR ALPHANUMERIC SOURCE CODE DECIDING THE LEFTNESS OR RIGHTNESS STATES, AND EVEN EVERY ASPECT OF THE MANDATED 386 PIECES OF CONFIRMATION TO COLLECTION. I have clearly indicated or even demanded to correspond to someone with appropriate authority, should it be a phone call the with a supervisor.YET I HAVE NOT been allowed such communication. I take that, as would anyone in my circumstance I assume, that your collector is trying to make me convinced that a person or adequate authority or even a lowly supervisor is or was unavailable .Worse, without satisfying any of the mandated requirements, it seems as if you are continuing efforts in non-compliance to make me believe I should or must pay the unproven debt or if in defiance I might face being sued by your firm. In past and I am certain should I do such with your firm as well, whenever I informed or do conversationally inform YOUR collector that I was or am in process to start a recording of the totally eradicate of common standards and mis behavioristic, at best descriptions, conversation I was or your collector will hang up or hung up on me. Infringing claims that are not testimonial in its indubitable certificate to be adequately true, accurate, complete, timely and or compliant to every and one even each any and or all of the requisite and obligatory State ( mine ) and or Federal laws that are applicable, regardless if claimant alleges ignorance or is willful in their derelict of the mandates violated.Per my RIGHTS to do so, I demand that you adequately ATTEST in lawful composition to every single and one even each any and or all of the data, every notation, the dates and balances, calculations and audits, accounting records and assure even the documented identities, the required XXXX enacted XXXX XXXXcharacter format fielded P6 statement ( s ), at least the minimal five ( 5 ) portioned personal identifiers, authentic unabbreviated alpha-/ numeric-/ and or alphanumeric source code ( s ), respective corresponding and specific 386 pieces of confirmation to collect, any and every particular status code and description, as well as every single and one even each any and or all of the facets demanded by my State and or Federal, mentioned or not.Take note that the Ignorance of laws is not lawfully vindication nor exoneration from delusive chicanery, acted in ignorance or otherwise matters not.To return to or retain required compliance, delete every and one even each any and or all of the derogatory remarks today, even now! I tell you the truth, to this I have made myself aware of my rights and what actions I might seek in reactions to being treated as a lame duck and or threatened with scandalously deplorable legal actions by your representative or any others, I know to know ensure I have quickly a need to contact the United States CONSUMER FINANCIAL PROTECTION BUREAU ; I know I am in need to ensure that I speak or make notice to understanding of the laws and my rights representative who will make certain that I am or have always been forwarded to an appropriate leveled authority figure, maybe even just a supervisor who will or each time in the previous made clear as it is or was being pointed out that, indeed, YOUR Firm IS REQUIRED BY THE FDCPA and the Credit Reporting Bureau Settlement agreement to PROVIDE every single one even each any and or all of the FOLLOWING information to any debtor, including myself, that your firm is pursuing, whether rightfully so or in denial of laws. Additionally, my extensive researches into this matter have detailed to me very assertively that literally any good attorney knowledgeable on credit, finance, and or every and one even each any and or all of the consumer rights laws has confirmed to me that most definitely your FIRM is compelled by ethics, morality, and even TORT laws precedent to provide this information or face a lawsuit to deliver to me adequate monetary justice and satisfaction of remedying annulment of every and one even each any and or allof your untruths, inaccuracies, untimely claims, incomplete allegations, and or all other unproven mine or not fully compliant reportings : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, -- - XXXX XXXX -- - ( XXXX Cir. XXXX XXXX, XXXX WL XXXX XXXX XXXX Cir. XXXX XXXX

03/10/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 33071
Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX , XXXX , and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. Finally, you are reporting the INQUIRIES that are the result of the same type of fraudulent activities. It must be noted that I did not apply for credit accounts with the below-listed companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve the accounts. Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquiries. It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer, I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore, inaccurate in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from my credit files. 1. CAINE & WEINER COMPA bal. {$500.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX CC XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX CC : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX CC XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. XXXX, FL XXXX CC : Attorney General Office XXXX XXXX XXXX XXXX XXXX. XXXX, FL XXXX
03/09/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 347XX
Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. Finally, you are reporting the INQUIRIES that are the result of the same type of fraudulent activities. It must be noted that I did not apply for credit accounts with the below-listed companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve the accounts. Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquiries. It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer, I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore, inaccurate in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from my credit files. 1. CAINE & WEINER COMPA bal. {$270.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX CC : XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX CC : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX CC : XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, FL XXXX CC : Attorney General Office XXXX XXXX XXXX XXXX XXXX. XXXX, FL XXXX
05/04/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 33060
Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX , XXXX , and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. Finally, you are reporting the INQUIRIES that are the result of the same type of fraudulent activities. It must be noted that I did not apply for credit accounts with the below-listed companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve the accounts. Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquiries. It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer, I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore, inaccurate in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from my credit files. 1. CAINE & WEINER COMPA bal. {$2000.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX CC : XXXX- XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX CC : XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, FL XXXX CC : Attorney General Office XXXX XXXX XXXX XXXX XXXX. XXXX, FL XXXX
04/07/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 33060
Web
Legal Department, I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX XXXX XXXX XXXX This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall be honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. Furthermore, as victim of identity-theft I received notification that my personal information was compromise in the several different data breaches. It has made it difficult to resolve this matter in a timely fashion. I have made several attempts to resolve this. If action is not taken to properly assist me with this matter within 15 days. I shall file a class action lawsuit for violating the FCRA and FDCPA violations are as follows not limited to reporting inaccurate information, reporting information that resulted from crime ( s ) and/or crime ( s ) of identity-theft, unlawfully collections of debt, calling after designated hours by law, defamation of character, and misrepresentation of true credit worthiness. I ask that all fraudulent information listed below be removed without question. I have fraudulent accounts, employers, misspellings of my name, and address that are associated with crimes that were committed against me. Once deleting all fraudulent information, you acknowledge that it is indeed fraudulent and resulted from crimes of identity-theft. By doing so you adhere to the FCRA that make it unlawful of any, some, or all information to be transferred, sold to another collection agency or reinserted one 's credit report once it is deemed as fraudulent. You also understand in order to reinsert information to a consumers credit report notification must be given 5 days prior to reinsertion. Failure to comply will also be a violation of the Federal Fair Credit Reporting Act and Fair Debt Collection Practice. The below-listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. Policy states. According to the Fair Credit Reporting Act FCRA XXXX11 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of a such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. Finally, you are reporting the INQUIRIES that are the result of the same type of fraudulent activities. It must be noted that I did not apply for credit accounts with the below-listed companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve the accounts. Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquiries. It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore, inaccurate in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out go my credit files. XXXX. CAINE & WEINER COMPA balXXXX {$2000.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity-theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity-theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers
02/03/2022 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Attempted to collect wrong amount
  • OH
  • 43230
Web
I own an XXXX. The matter in dispute pertains to the XXXX. I have an account with XXXX to whom I currently pay {$37.00} / month automatically for the rental of two nitrogen gas cylinders, and from whom I purchase the contents of full containers as needed ( which as it happens has only been once so far in the 6 months or so of my association with XXXX ). Yesterday ( XX/XX/XXXX ), I received an email from [ someone claiming to be ] XXXX XXXX, Collections Specialist, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ), XXXX. This email stated that I owe XXXX a debt of {$11000.00}. Of course I thought it was a scam at first. Which is why I didn't interact with the one or more attachments that came with our putative Ms XXXXXXXX XXXX email. But, wow!, if it's an out-and-out scam, it's a pretty slick one. The email didn't address me ( or my company ) specifically, which is a red flag, but as far as I can ascertain quickly, the named employee seems to have a believable XXXX page -- not with the named company as their current employer, but with " XXXX XXXX '' given as their occupation, while their name is associated with the named company on a XXXXinfo page ; the named company seems to have a webpage ; the email seems to be from caine-weiner.com ; names and domains all have consistent, seemingly correct spelling ; etc, etc, etc. I also got the impression that she might have been trying to contact a business called " XXXXXXXX XXXX XXXX XXXXXXXX '' since that combination of words appeared in that order in the subject line. That is speculation on my part, and I haven't confirmed whether there is a business with such a name, or whether they have an account with XXXX ; and it's not my job to. But I mention it because my speculation seems reasonable, and the first word in my XXXX 's name is " XXXX ''... so maybe it's a matter of mistaken identity. I.e., maybe XXXX has trouble handing over the correct contact info or maybe our putative Ms XXXX has trouble navigating contact info to ultimately deliver appropriate notice to the appropriate place. Which is why yesterday I emailed my XXXX contact to ask whether this could be an honest mistake -- e.g., like if I had been mistaken for somebody with a similar name who actually does owe XXXX money as speculated above -- or if I should suspect fraud. She stated -- as I was already aware from the fact that I receive receipts from the monthly automatic settlement of my account with XXXX -- that my account is in good-standing with a {$0.00} balance. I also hadn't received any prior advice that my account was in arrears, at least one cycle of which would've been usual and customary before I was referred to a collections agency. She also stated that she figures it's fraud. After all, why would I have ever been referred out of XXXX in the first place under the circumstances? Let alone have an email from the collections agency be the first time I'd heard about it? Her interpretation of the facts seemed pretty sound. And yet here I was, as of lunchtime ( EST ) today, still not sure if the email was really fraud or some honest mistake, second-guessing myself about whether I should've opened the attachment ( s ) in our putative Ms XXXX 's email for more info that might save us all lots of aggravation, and I was just getting ready to reach out to our putative Ms XXXX about the situation. But just before I had the chance to get into it, I received an email from [ someone claiming to be ] XXXX XXXX, who didn't provide any personally identifying information beyond a phone number ( XXXX ), and otherwise gave the impression that his place of work is Caine & Weiner 's office at XXXX XXXX XXXX, XXXX, KY XXXX, which I get the impression from a quick glance at XXXX is the headquarters of the company. That's if " Caine & Weine '' is bona fide... to be honest, the content of XXXX reviews of the place, frankly, make it pretty hard to discern if they're just unpopular but bona fide collection agency XXXX, or if they aren't even that, e.g., as if they're just an elaborate XXXX company for scams such as the one that may be in the process of being perpetrated upon me. But I digress : the point is that our putative Mr XXXX indicated the XXXX XXXX XXXX address as the site of his desk. And his email was mostly the same as before : looked legit to a first approximation ; came with attachments I didn't and won't open ; etc, etc, etc. Well, as a response to his email, I no longer care if they just made an honest mistake. I don't think I can afford to, regardless of whether they're scammers or an actual collections operation. To wit : 1. If they're legitimate and coming on this strong, I think prudence dictates that I get some type of protestation on the record asap -- i.e., even before I can get my lawyer to draft a response. These people are intimating that I'm going to be sorry if I don't wire them $ XXXX XXXX and using language strong enough that I'm worried -- if they actually are legit -- they could pursue a judgment or other order with the force of law while I'm still figuring out a course of action and / or waiting for my lawyer to draft a letter, and then surreal as it seems, perhaps these imbeciles could actually end up tying me to somebody else 's debt because they can't contact the right account holder about an account in arrears. That's not to say they shouldn't look forward to correspondence from my lawyer... it's just to say I don't think I can wait until I'm 100 % clear on who they are until I put forth some sort of res ponse, such as this complaint. 2. Of course, I was only ever ca. 50 % sure they weren't scammers to begin with ; and that certainty just goes down the more they try to spook me with what they think passes for pressure tactics. So if they're scammers, they still have to be dealt with. Here 's the deal : either they're scammers, or they're not quite bright enough to use a contact list to correct effect. And if it's the latter, they use way, way, way too-strong language threatening action to this business over their mistake, which I won't abide. And somebody is going to need to do something about them either way. Accordingly, I'm putting in some kind of complaint with the FTC, the CFPB, the OH AG 's office ( I'm a resident of Ohio ), the KY AG 's office ( Caine & Weiner appears to be incorporated there, and one of the emailers represents a KY office as the place to reach him right? ), and the CA AG 's office ( because one of the emailers represents that her office is in CA ; and both emailers ask to be contacted by way of CA phone numbers ). Let me figure out how, and I'll complaint to XXXX and the SEC, too... but we'll start with these five.
10/08/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • XXXXX
Web
XXXX XXXX XXXX Fl XXXX XXXX XXXX, CA XXXX http : //www.caine-weiner.com ( XXXX ) XXXX Caine & Weiner Opened XX/XX/XXXX {$2100.00} Original creditor : 01 XXXX XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to Verified. This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. 812. Furnishing certain deceptive forms [ 15 USC 1692j ] ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. ( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 813 for failure to comply with a provision of this title. Under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give any documents related to an account that is requested Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time I will also inform that if offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by theses companies, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that doesnt even contain my reasons for the dispute is not reasonable. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. I look forward to an expedite resolution of this matter Thank you. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when it fact there is no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose. Best Regards, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
09/19/2017 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NJ
  • 079XX
Web
I am providing a ( somewhat redacted, in order to comply with your requirements ) a copy of an e-mail message sent to XXXX XXXX, a representative of the Caine-Weiner company. It lays out the basis of my complaint. A copy of the message was also sent to XXXX XXXX, the president of the company. I have, in all sent three letters and 4-5 e-mail messages. None of the letters have ever received what could be described as an adequate response. '' With the e-mails, just two " automated response '' replies were received : the promised follow-up never arrived. I do n't understand what useful purpose can be served by sending notices to my home, other than perhaps as an inference that I played an active part in the fraudulent use of my credit card number ( NOT the card! Just the name and number! ). To : XXXXXXXXXXXX Cc : XXXXXXXXXXXX Subject : COMPLAINT! C & W Account # XXXX My name is XXXX XXXX, and I reside at XXXX XXXX XXXX, XXXX XXXX. I am writing in connection with the account referenced above ( where the Creditor is XXXX XXXX, their account number is XXXX XXXX, and the amount that you are seeking to recover is {$870.00}. I have received three ( 3 ) separate letters from your company that are addressed to XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. I ignored the first one, feeling that it had perhaps been misaddressed. But I did put in the sufficient time and effort to explain, in the clearest and simplest terms, to your XXXX XXXX XXXX that he had sent a letter to an address where XXXX XXXX XXXX not only does not currently reside, but actually never has resided at. In addition to providing XXXX XXXX with this rather clear and to the point information, I also advised him that I was not related to anyone in the XXXX family, did not know anyone in the XXXX family ( XXXX included ), and did not believe that anyone I knew also knew anyone in the XXXX family, and so forth. I also made it clear to XXXX XXXX in my first letter ( sent back in XX/XX/XXXX), that I never gave my credit card to XXXX XXXX, never gave the information on the card to XXXX XXXX XXXX and also never authorized XXXX XXXX ( or anyone else, for that matter ) -- in any way, shape or form -- to use my credit card to make the purchase at XXXX XXXX ( or anywhere else ). While I have absolutely no idea how XXXX XXXX came to have this information he apparently did, I most certainly do know this : he didnt get it from me! When the charge appeared on my credit card, I immediately contacted XXXX XXXX and protested the charge. Their Fraud Department conducted an investigation, determined that what I was reporting to be the truth, and did a charge-back to the account of your client, XXXX XXXX. I have also reported the matter to my local Police Department. My quick checksonline and telephone companyindicates that the address shown on the material furnished to you by your client ( as being the name and the address of the person to whom the item was shipped to ) is correct : XXXX XXXX resides at XXXX XXXX XXXX, XXXX NJ . XXXX XXXX XXXX! NOT XXXX XXXX XXXX! My XX/XX/XXXX letter to XXXX XXXX not only never received the prompt response that I believe both the law in matters such as this requires, but that good business practices as well should call for. Neither was my letter returned to me as being Undeliverable ( and, yes, a return address label was attached to the envelope ), so the assumption that it was actually received by your company would seem to be a correct one. Despite the fact that I have put considerable time and effort into the matter, what I got in return from your company was yet another lettera third onesent by your XXXX XXXX to my address just recently. You most certainly should be able to well imagine how upsetting the entire matter of having someone improperly gain access to your credit card information is. To then have someone like your XXXX XXXX here rather just mindlessly grind out letters that get sent to my home is ( to use a rather old but still very true expression ) " little more than adding insult to injury! Yesterday, I placed my written response to the third letter in the mailbox. As you might well be able to imagine, I have, by now, grown very weary of your seeming effort to just ignore the information that your company has before it both from your client as well as from me. STOP IT! Properly train and instruct your employees on how to, not merely read what it is that people send to them in their letters, but to make certain they are give close attention to the laws, statutes, rules and regulations, etc. that exist, on both the state and the federal levels, for the protection of not just consumers, but to also those others whom collection companies might come into contact with as well. Limit your efforts to collect whatever debt you feel might be owed to your client to the actual address ( addresses ) where XXXX XXXX now lives ( or may have at one time lived ). DONT SEND YOUR LETTERS TO MY HOME! - - - - - - - - - - - - - - - None of the letters have ever received what might be generally regarded as being " an adequate response. '' Just two " automated responses '' were made to the e-mail messages sent, but no effort to actually provide the response alluded to was ever made. I do n't understand why the company continues to send letters to my home after having received repeated efforts to discontinue the practice. I believe that any objective review of the matter will clearly demonstrate is no sound foundation -- in either the law or the facts of the matter -- -- for them to do what they have been doing here. The only conclusion I can come up with is that they have convinced themselves that XXXX XXXX might actually be hiding down in my cellar somewhere, or that I played a part in the fraudulent use of my credit card information. In short, I do n't believe they 're making a bonafide effort to act in the manner that " good business practices '' -- and the law -- calls for.
09/19/2017 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NJ
  • 079XX
Web
I am providing a ( somewhat redacted, in order to comply with your requirements ) a copy of an e-mail message sent to XXXX XXXX, a representative of the Caine-Weiner company. It lays out the basis of my complaint. A copy of the message was also sent to XXXX XXXX, the president of the company. I have, in all sent three letters and 4-5 e-mail messages. None of the letters have ever received what could be described as an adequate response. '' With the e-mails, just two " automated response '' replies were received : the promised follow-up never arrived. I do n't understand what useful purpose can be served by sending notices to my home, other than perhaps as an inference that I played an active part in the fraudulent use of my credit card number ( NOT the card! Just the name and number! ). To : XXXX Cc : XXXX Subject : COMPLAINT! C & W Account # XXXX My name is XXXX XXXX, and I reside at ** XXXX XXXX, XXXX, XXXX. I am writing in connection with the account referenced above ( where the Creditor is XXXX XXXX, their account number is XXXX XXXX, and the amount that you are seeking to recover is {$870.00}. I have received three ( 3 ) separate letters from your company that are addressed to XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. I ignored the first one, feeling that it had perhaps been misaddressed. But I did put in the sufficient time and effort to explain, in the clearest and simplest terms, to your XXXX XXXX XXXX that he had sent a letter to an address where XXXX XXXX , not only does not currently reside, but actually never has resided at. In addition to providing XXXX XXXX with this rather clear and to the point information, I also advised him that I was not related to anyone in the XXXX family, did not know anyone in the XXXX family ( XXXX included ), and did not believe that anyone I knew also knew anyone in the XXXX family, and so forth. I also made it clear to XXXX XXXX in my first letter ( sent back in XXXX ), that I never gave my credit card to XXXX XXXX, never gave the information on the card to XXXX XXXX , and also never authorized XXXX XXXX ( or anyone else, for that matter ) -- in any way, shape or form -- to use my credit card to make the purchase at XXXX XXXX ( or anywhere else ). While I have absolutely no idea how XXXX XXXX came to have this information he apparently did, I most certainly do know this : he didnt get it from me! When the charge appeared on my credit card, I immediately contacted XXXX XXXX and protested the charge. Their Fraud Department conducted an investigation, determined that what I was reporting to be the truth, and did a charge-back to the account of your client, XXXX XXXX. I have also reported the matter to my local Police Department. My quick checksonline and telephone companyindicates that the address shown on the material furnished to you by your client ( as being the name and the address of the person to whom the item was shipped to ) is correct : XXXX XXXX resides at XXXX XXXX XXXX, XXXX NJ . XXXX XXXX XXXX! NOT XXXX XXXX XXXX! My XX/XX/XXXX letter to XXXX XXXX not only never received the prompt response that I believe both the law in matters such as this requires, but that good business practices as well should call for. Neither was my letter returned to me as being Undeliverable ( and, yes, a return address label was attached to the envelope ), so the assumption that it was actually received by your company would seem to be a correct one. Despite the fact that I have put considerable time and effort into the matter, what I got in return from your company was yet another lettera third onesent by your XXXX XXXX to my address just recently. You most certainly should be able to well imagine how upsetting the entire matter of having someone improperly gain access to your credit card information is. To then have someone like your XXXX XXXX here rather just mindlessly grind out letters that get sent to my home is ( to use a rather old but still very true expression ) " little more than adding insult to injury! Yesterday, I placed my written response to the third letter in the mailbox. As you might well be able to imagine, I have, by now, grown very weary of your seeming effort to just ignore the information that your company has before it both from your client as well as from me. STOP IT! Properly train and instruct your employees on how to, not merely read what it is that people send to them in their letters, but to make certain they are give close attention to the laws, statutes, rules and regulations, etc. that exist, on both the state and the federal levels, for the protection of not just consumers, but to also those others whom collection companies might come into contact with as well. Limit your efforts to collect whatever debt you feel might be owed to your client to the actual address ( addresses ) where XXXX XXXX now lives ( or may have at one time lived ). DONT SEND YOUR LETTERS TO MY HOME! - - - - - - - - - - - - - - - None of the letters have ever received what might be generally regarded as being " an adequate response. '' Just two " automated responses '' were made to the e-mail messages sent, but no effort to actually provide the response alluded to was ever made. I do n't understand why the company continues to send letters to my home after having received repeated efforts to discontinue the practice. I believe that any objective review of the matter will clearly demonstrate is no sound foundation -- in either the law or the facts of the matter -- -- for them to do what they have been doing here. The only conclusion I can come up with is that they have convinced themselves that XXXX XXXX might actually be hiding down in my cellar somewhere, or that I played a part in the fraudulent use of my credit card information. In short, I do n't believe they 're making a bonafide effort to act in the manner that " good business practices '' -- and the law -- calls for.
10/15/2017 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Used obscene, profane, or other abusive language
  • NY
  • 11104
Web
This situation originally started due to me contacting Caine & Weiner to resolve an unpaid debt for commercial auto insurance through XXXX XXXX company that was taken out by my father, however ; the insurance was in my name but not my social security number attached to it. Due to the coverage not being set up correctly through XXXX, technically this debt would not affect me as they did not have the proper information. I wanted to clear up this debt as an act of good faith due to my father 's failure to satisfy the bill. The first date of contact initiated by me was on XX/XX/XXXX to offer a settlement of less than the full balance. The full balance was {$1300.00} and I offered {$200.00} to take care of it. The woman who answered the phone said she would have someone contact me the following day in regards to the offer. OnXX/XX/XXXX XXXX XXXX called me to offer a settlement of half of the full balance ( {$670.00} ) but at that time, I offered {$400.00} to clear it up. He immediately rejected the offer and stated that was the best settlement he could do and I asked if there was anything else he could do to help me and he said No that is the best we can do and hung up the phone on me. I immediately called back and asked to speak to a supervisor. I do not recall his name, however ; he was professional on the phone when speaking to me but said there was nothing he could do and that settlement was the bottom line. He then stated that Caine & Weiner reviews the accounts for potential legal action every 90 days. I am not sure if XXXX does review this but the manner i which he stated the accounts are reviewed for legal action, led me to believe that my account would be reviewed within 90 days for legal action. I still wanted to get a lower settlement amount so on XX/XX/XXXX, I called XXXX XXXX customer service line to explain how their 3rd party vendor, Caine & Weiner was treating me and how I wanted to deal with XXXX directly to resolve this debt. After spending well over an hour on the phone getting transferred several times and having to explain my situation to each customer service representative, XXXX stated that in order for me to get a settlement worked out, I would have to work with Caine & Weiner directly and they could not help me any further. I tried explaining several times my dissatisfaction with the company they hired to collect the debt and no one seemed to be concerned with the poor customer service and rude collection tactics by Caine & Weiner. My wife and I decided we will just pay the {$670.00} settlement offered so that we can avoid any additional collection efforts or legal action. So on XX/XX/XXXX, I contacted XXXX XXXX again and during the conversation, he had issues finding my account and he was very frustrated and became extremely unprofessional and it got to the point that he just wanted to hang up. He asked me for a reference number to look up my account, which I did not have and then told me to call back when I had the right information. Before hanging up, I asked him to transfer me to a manager and at that time, XXXX XXXX got on the phone with me and he was extremely rude and unprofessional with me from the start. After they finally were able to locate the account, he was not willing to offer the settlement amount to me anymore and stated the full balance of {$1300.00} was due. After going back and forth regarding the amount, he agreed to accept the settlement amount of {$670.00} that was originally offered to me. I explained to him that before I make the payment, I would like this in writing so I can have my attorney read over it and he told me that is not how it works and I had to make the payment first and then he would send something saying it was paid. We argued back and forth and I asked to speak to his manager and he told me there was no one else there to speak with and then he eventually hung up on me, telling me before hanging up that " He did n't have time to deal with this. '' I immediately called back in to obtain a letter or some kind of statement for my records and attorney and spoke to XXXX XXXX again. During the call, I referred to him as " XXXX '' and he advised that I needed to address him as " XXXX XXXX. '' I felt that he was belittling me by telling me I needed to address him that way and he refused to assist me in getting some kind of correspondence regarding the settlement so we ended the call. I conducted some due diligence on the company through internet searches and found the name of the Vie President. I called the general number for Caine & Weiner and asked to speak with the VP, XXXX XXXX, as I felt that he should be aware of how his collection representative and manager were treating customers of their clients. After being transferred twice, I finally was sent over to the other manager, I can not remember his name but he was a peer of XXXX XXXX He conducted in a professional manner and helped me towards getting this bill resolved. I did try to explain my dissatisfaction with the other representatives but it seemed that I was just wasting my breath. He did have XXXX send me an email prior to making the payment. When I finally called back in, at that point XXXX was talking to me in a professional manner, after receiving the payment of {$670.00}, which I was never obligated to pay originally due to XXXX not having my social security number. Throughout this entire frustrating process of trying to resolve this debt as an act of good faith, Caine & Weiner turned this into a very hostile and uncomfortable situation. I understand that this is a commercial debt and they do not have to adhere to the laws of the FDCPA, but they are still speaking to consumers, who deserve to be spoken to and treated with respect, as I did not initiate a hostile situation and was conducting myself in a professional manner, until I was treated extremely poorly by Caine & Weiner, as well as XXXX 's customer service.
12/06/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • 303XX
Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. CAINE WEINER & {$1300.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( XXXX ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent I tems FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
12/01/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • PA
  • 19150
Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. CAINE WEINER & {$250.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent I tems FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Iowa XXXX
12/02/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • PA
  • 19119
Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. CAINE WEINER & {$300.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent I tems FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX, Iowa XXXX
11/29/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • PA
  • 19150
Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by XXXX and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within XXXX days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. XXXX. XXXX XXXX & {$250.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent I tems FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX, Iowa XXXX
12/06/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • PA
  • 19020
Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXXXXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. CAINE WEINER & {$500.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent I tems FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
11/29/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • PA
  • 19119
Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. CAINE WEINER & {$300.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent I tems FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
10/04/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • PA
  • 191XX
Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX , XXXX , and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by XXXX to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1 .CAINE WEINER bal. {$710.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
02/01/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • MD
  • 20772
Web
XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX To Whom It May Concern : I am XXXX XXXX representing MYSELF and I am the consumer in fact and not a third party. I am communicating with you directly as requested regarding concerns/ issues with my credit report. This letter represents my formal request to again dispute the aforementioned accounts as well as inquiries which are illegally being reported on my account. It was communicated to me to reach out to each individual agency to expedite the removal. As of the date of this letter, it has been over thirty days with no compliance to the Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681 ) enacted by the United States Congress. By their findings, it is now my legal right to have these accounts and inquiries ( FCRA 15 U.S.C. 1681n ) removed. I understand the individual in receipt of this letter is most likely not an attorney. Therefore, I have attached the laws and definitions to educate any person of my legal rights in the United States of America. I appreciate you understanding how this adversely affects me and is in violation of my rights. Thank you for helping me take this federal matter seriously! Accounts Requiring Immediate Removal : XXXX & XXXX with for a debt you claim I owe of {$370.00} that is reporting as a Collection/Charge Off Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to the fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of that Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request withing 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. CEASE AND DESIST Pursuant to 15 USC 1692c. ( c ) I am notifying you in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with me through any and all mediums. Pursuant to 15 USC 1692c. ( c ) ( 2 ) - I am invoking my specified remedy as a consumer, and the original creditor I am demanding all of the following : Zero out the balance on this account. Grant me my title lien free. Pay the attached invoice and compensate me for every violation labeled in the attached exhibits. Deletion from all consumer reports. Best regards, XXXX XXXX Please provide the following information : 1. Name and address of alleged creditor. 2. Name on File of alleged debtor. 3. Alleged account # 4. Address on file for alleged debtor. 5. Alleged account # 6. Amount of alleged debt 7. Date ( this alleged debt became payable ). 8. Date of original charge or delinquency. 9. Was this debt assigned to a debt collector or purchased? 10. Amount paid if debt was purchased. 11. Commission for debt if collection efforts are successful. Please attach copies of the following : Agreement with your client that grants ____ ( Collection Agency Name ) the authority to collect this alleged debt. Signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt Collector. Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor. All Statements while this account was open. Have any insurance claims been made by any creditor regarding this account? Yes No Have any judgements been obtained by any creditor regarding this account? Yes No Please provide the name and address of the following bonding agent for ( Name of Debt Collector ), in case legal action becomes necessary : Authorized Signature of Creditor : __________________________ Date : ________________________________ You must return this completed form along with copies of all requested information, assignments or other transfer agreements, which would establish your right to collect this alleged debt within 30 days from the date of your receipt of this letter. Your claim can not and WILL NOT be considered if any portion of this form is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information.
10/29/2017 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • CA
  • 95476
Web
This complaint is being filed in response to an alleged debt and repeated attempts to collect despite written dispute and requests for verification. Caine & Weiner (C&W) are attempting to collect a debt of $XXXX that they purchased from XXXX XXXX XXXX. The details of my XXXX transaction and verifying documents and bank records are attached. Despite a failure to verify the debt, C&W continue to make collection attempts via phone, a violation of XXXX and Federal law and punishable by $XXXX fine for each infraction. I disputed the debt via certified mail on XX/XX/XXXX, and my phone records (attached), indicate phone calls from C&W on XX/XX/XXXX. I am disputing this debt, as I have successfully done in the past through my credit union fraud protection. I am seeking your assistance in stopping these unverified and questionable debt collection attempts and to protect my credit. In addition, I am hoping only to hold these companies accountable and require them to credibly show that money is rightly owed. Background I did business with XXXX in XXXX XXXX, and the final drop-off occurred in XXXX, XXXX. Three payments were required, and I have included the initial XXXX estimates and a XXXX XXXX XXXX (XXXX) Bank Statement showing that all three payments were made. These payments were $XXXX on XX/XX/XXXX, $XXXX on XX/XX/XXXX, and a final payment of $XXXX on XX/XX/XXXX. This completed our obligation to XXXX. However, as shown in the attached bank statement and correspondence with XXXX, an additional $XXXX was erroneously charged to my account on XX/XX/XXXX. In an email dated XX/XX/XXXX, XXXX notified me that I, along with several other clients, had been inadvertently double-charged due to a "an error in [the XXXX] credit card processing system." Please see a copy of this email attached, promising a prompt refund. This refund occurred on XX/XX/XXXX, as shown in the attached statement. On XX/XX/XXXX, I received a call from XXXX stating that an outstanding balance was showing in my account. I described the situation above and requested documentation. She informed me that she had none, but that she would investigate further and contact me again only if an invoice was found. No further contact was made. However, on XX/XX/XXXX the XX/XX/XXXX account was charged $XXXX by XXXX. This unauthorized and unverified charge was immediately disputed. After an investigation, XXXX Fraud Protection credited back the $XXXX and informed me that XXXX had no evidence of an outstanding balance. Debt Collection Attempts OnXX/XX/XXXX, I received a letter from C&W attempting to collect the above debt. I also received several phone calls from C&W around that time. I disputed the debt in writing via certified mail. A copy along with the tracking information is attached hereto. In the letter, I requested an invoice from XXXX verifying the debt. Instead, I continued to receive phone calls from C&W. Please see the attached phone records from XXXX of XXXX. C&W phoned me attempting to collect the debt XX/XX/XXXX. This is a violation of the Fair Debt Collection Practices Act, sec. 809(b), and is punishable by $XXXX. On XX/XX/XXXX, C&W again contacted me by mail and this time included a statement from XXXXXX/XX/XXXX showing the outstanding amount. However, this statement is not an invoice; it merely alleges the debt exists, but does not clarify its origin. This again fails to satisfy the Fair Debt Collection Practices Act. C&W phoned me again on XX/XX/XXXX. Common sense and the law require that a debtor must be made aware of the details of the alleged amount. Anything less would allow creditors to harass and wrongfully profit from consumers with no means to dispute. Indeed, XXXX XXXX XXXX states: "The verification provision must be interpreted to provide the consumer with notice of how and when the debt was originally incurred or other sufficient notice from which the consumer could sufficiently dispute the payment obligation. This information does not have to be extensive. It should provide the date and nature of the transaction that led to the debt, such as a purchase date, a missed rental payment for a specific month, a fee for a particular service provided at a specific time, or a fine for a particular offense on a certain date." XXXX XXXX XXXX XXXX XXXX. On XX/XX/XXXX C&W supplied me with a mere balance statement simply alleging that the debt is owed. This does no more to verify the debt then did the original unsubstantiated demand. There is no invoice attached showing the details required to pay or dispute the debt. Further, the dates and amounts displayed on the XXXX XX/XX/XXXX statement do not even remotely conform to my bank statements showing payment and refund events. XXXX could not supply statements or invoices on upon several prior demands from me and XXXX - but now we are to believe a statement has appeared, one that fails to match actual transactions shown in bank records? I strongly question the credibility of these records. I must be added that if it is shown that there was some error and I owe this debt, it will be paid. However, XXXX has continually failed to verify this debt. Now C&W continue to attempt to collect without verification, in clear violation of XXXX and Federal law. Caine & Weiner can be found at: XXXX XXXX XXXX XXXX XXXX, CA XXXX Ph: XXXX Fax: XXXX Email: XXXX XXXX XXXX XXXX can be found at: XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Ph: XXXX XXXX Thank you and I look forward to your response and assistance.
05/17/2021 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • CA
  • 90805
Web
I signed up with XXXX XXXX for a XXXX service and I canceled on XX/XX/XXXX. 1 ) the fees were never discussed with me when I made the purchase We had run a transaction of {$200.00} on XX/XX/XXXX and I was never credited the {$200.00}. On XX/XX/XXXX, I tried to reinstate the account so that they could credit me the {$200.00} and avoid the {$350.00} cancellation fee. I also tried to contact them regarding the {$200.00} and the representatives kept saying they need it to look in to it and would call me. XX/XX/XXXX I emailed the rep the reactivation form. I was declined the reactivation because they rejected my checking account type. I also emailed here regarding the {$200.00} transaction that was never credited and sent her the receipts/batch. She said once account is updated they would deposit the {$200.00}. On XX/XX/XXXX, I received an email from XXXX ( XXXX / XXXX ) noting that the company was requesting a non-starter check to reactivate my account. XX/XX/XXXX, I send them another check to get account activated and received an email XX/XX/XXXX noting that my check was not accepted by the company. On XX/XX/XXXX I sent another check and on XX/XX/XXXX XXXX emailed noting that she had forwarded to dept. for review. I did not receive a response so I emailed XXXX on XX/XX/XXXX to inquire about the status of reinstating my account. She emailed me back same day and finally advised me to call the customer service number and provide my bank account over the phone. On XX/XX/XXXX, same email I asked why the check was being denied and also asked that they close the account and send me the statement/invoice. She replied that my account was closed since XX/XX/XXXX and she was only assisting with reactivating the account. On XX/XX/XXXX, I send another reactivation request to XXXX and no one replied. I called customer service and provided with the information and was told it was sent for review and that they would let me know within 48 hours. I never received any emails or calls notifying me of reactivation being successfully or denied. On XX/XX/XXXX, I also emailed XXXX asking why the company was not accepting my personal checking account when the account was set up that way. She replied that the company had not accepted my 3rd attempt to reactivate account. on XX/XX/XXXX I received the first written correspondence regarding this account and it was not from the company but from a collections company, Caine & Weiner. I immediately emailed XXXX at XXXX XXXX asking her why I was never sent the invoice for the cancellation, why they sent it to collections and why no one was helping me with the {$200.00} transaction ran on XX/XX/XXXX while my account was still active. She wrote that I had never informed her about this transaction, but that is not true I have in our emails from XX/XX/XXXX in which I inquired with her the status of the {$200.00} sales that was never credited. On XX/XX/XXXX, I sent XXXX again the receipts for the {$200.00} sale transaction, She responded that she would forward so that the team at XXXX could look into it. She emailed me that the technicians would like to speak with me. I spoke with them and basically they didn't process the {$200.00} although I have the receipt and the batch from their XXXX system. They asked that we re-key the credit card but I didnt ' think it was right because the customer made the purchase XX/XX/XXXX and I told them I would call the customer first before re keying the {$200.00} transaction 6 months later! On XX/XX/XXXX, I asked if we can reactivate the account, I had opened a business checking account through XXXX and XXXX XXXX XXXX responded that she had resubmitted the request for reactivation. I called and i I didn't hear anything from them. I emailed her back on XX/XX/XXXX inquiring about the status of reactivation because I had received a bill. For the first time I receive a bill from XXXX XXXX on dated XX/XX/XXXX with a {$420.00} bill /Merchant # XXXX. I didn't understand why I was being charged {$420.00} I spoke with her and she noted that the account was reactivated on XX/XX/XXXX and no one informed me. Apparently I was charged fees for having the account activated XX/XX/XXXX so I told her that if the account was reactivated I could keep it but the {$350.00} cancellation fee should be discarded since they were able to finally reactivate my account. She said her department didn't approve the request to remove the {$350.00} cancellation fee. I was going to re-key the {$200.00} from XX/XX/XXXX but then they told me my account was reactivated but there was a hold. At this point I was extremely frustrated and feeling so helpless that I told her /XXXX that I was done trying to reactivate and continue and get the {$200.00} sales that XXXX XXXX/ never processed. I told her I wanted to pay the cancellation fee and be done with their company. I paid {$350.00} on XXXX And today, XX/XX/XXXX I noticed that they sent me to collections by reporting a charge off. I don't agree they reactivated my account on XX/XX/XXXX and i '' m being charged for the account to XX/XX/XXXX and paid the cancelation fee the day they finally canceled the account. It was the first time I receive a bill from XXXX XXXX on XX/XX/XXXX and I don't think they can report it to collections when I paid them directly after finally canceling my account. The company never sent me the invoice directly nor the information to return the register/equipment. What they did do was sent report to collections on XX/XX/XXXX the payment I made.
11/22/2023 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • PA
  • 18702
Web
This company, Caine & Weiner has furnished a collection on my consumer report without allowing me to validate the debt first. This is part of the reason I am submitting this complaint today. They are attempting to collect on a debt transferred from XXXX PROGRESSIVE with the account number XXXX and the balance being {$160.00}. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. Therefore, in order for me to validate this alleged debt, I am requesting the entire purchase agreement of this transferred contract/instrument be sent to me. I do not want just the bill of sale. Please send me the entire purchase agreement of this account or you will not be validating this alleged debt per my request. In addition to sending the entire purchase agreement, I am requesting the following items. Pursuant to 12 CFR 1006.34 please provide me with a copy of all the following : ( c ) Validation information. Pursuant to paragraph ( a ) ( 1 ) of this section, a debt collector must provide the following validation information. ( 1 ) Debt collector communication disclosure. The statement required by 1006.18 ( e ). ( 2 ) Information about the debt. Except as provided in paragraph ( c ) ( 5 ) of this section : ( i ) The debt collector 's name and the mailing address at which the debt collector accepts disputes and requests for original-creditor information. ( ii ) The consumer 's name and mailing address. ( iii ) If the debt collector is collecting a debt related to a consumer financial product or service as defined in 1006.2 ( f ), the name of the creditor to whom the debt was owed on the itemization date. ( iv ) The account number, if any, associated with the debt on the itemization date, or a truncated version of that number. ( v ) The name of the creditor to whom the debt currently is owed. ( vi ) The itemization date. ( vii ) The amount of the debt on the itemization date. ( viii ) An itemization of the current amount of the debt reflecting interest, fees, payments, and credits since the itemization date. A debt collector may disclose the itemization on a separate page provided in the same communication with a validation notice, if the debt collector includes on the validation notice, where the itemization would have appeared, a statement referring to that separate page. ( ix ) The current amount of the debt. ( 3 ) Information about consumer protections. ( i ) The date that the debt collector will consider the end date of the validation period and a statement that, if the consumer notifies the debt collector in writing on or before that date that the debt, or any portion of the debt, is disputed, the debt collector must cease collection of the debt, or the disputed portion of the debt, until the debt collector sends the consumer either verification of the debt or a copy of a judgment. ( ii ) The date that the debt collector will consider the end date of the validation period and a statement that, if the consumer requests in writing on or before that date the name and address of the original creditor, the debt collector must cease collection of the debt until the debt collector sends the consumer the name and address of the original creditor, if different from the current creditor. ( iii ) The date that the debt collector will consider the end date of the validation period and a statement that, unless the consumer contacts the debt collector to dispute the validity of the debt, or any portion of the debt, on or before that date, the debt collector will assume that the debt is valid. ( iv ) If the debt collector is collecting debt related to a consumer financial product or service as defined in 1006.2 ( f ), a statement that informs the consumer that additional information regarding consumer protections in debt collection is available on the Bureau 's website at www.cfpb.gov/debt-collection. ( v ) If the debt collector sends the validation notice electronically, a statement explaining how a consumer can, as described in paragraphs ( c ) ( 4 ) ( i ) and ( ii ) of this section, dispute the debt or request original-creditor information electronically. Lastly, Pursuant to Uniform Commercial Code 3-203 TRANSFER OF INSTRUMENT ; RIGHTS ACQUIRED BY TRANSFER, this item can not be in collected by you, Caine & Weiner because once the contract/instrument is transferred, the rights to collect are cancelled unless I indorse the transferred contract/instrument with you ( Caine & Weiner ). You need an indorsement ( as described in Uniform Commercial Code 3-204 ) from me in order to lawfully collect on this alleged obligation. Otherwise, without my indorsement you CAN NOT collect. If you believe otherwise, please send me the contract in which I indorsed and you, Caine & Weiner indorsed with wet ink. You have 15 days after receiving letter to send me all items stated above to validate this alleged debt. If you can not send all of the requested items in a timely manner then I demand that you remove this inaccurate information from all consumer reports as it is in violation of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. If you do not, I will seek litigation for damages.
06/04/2018 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 77070
Web
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX. # XXXX XXXX, TX XXXX CAINE & WEINER Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to Verified. This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time I will also inform that if offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by theses companies, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX XXXX, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that doesnt even contain my reasons for the dispute is not reasonable. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. I look forward to an expedite resolution of this matter Thank you. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when it fact there is no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose. Best Regards, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX. # XXXX XXXX, TX XXXX
12/12/2020 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NY
  • 10453
Web
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Social Security # XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Texas XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, PA XXXX DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY. LEGAL DISPUTE REQUESTING FULL DISCLOSURE OF TRUE TIMELINES PERTAINING TO TRADELINE PROCUREMENT, IN ADDITION TO ACTUAL PAYMENT HISTORY PROVING ACTUAL INITIAL DATE OF FIRST 30-DAY LATE PAYMENT HISTORY, THUS TRIGGERING THE 7-YEAR RULE THAT RELATES TO ERRONEOUS OR OBSOLETE INFORMATION. 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. ( 2 ) Civil suits, civil judgments, and records of arrest that from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period. ( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years. ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 1 ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.1 ( b ) Exempted cases. The provisions of subsection ( a ) of this section are not applicable in the case of any consumer credit report to be used in connection with ( 1 ) a credit transaction involving, or which may reasonably be expected to involve, a principal amount of {$150000.00} or more ; ( 2 ) the underwriting of life insurance involving, or which may reasonably be expected to involve, a face amount of {$150000.00} or more ; or ( 3 ) the employment of any individual at an annual salary which equals, or which may reasonably be expected to equal {$75000.00}, or more. ( c ) Running of reporting period. ( 1 ) In general. The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) ** of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX ACCOUNT # XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX ACCOUNT # XXXX CAINE & WEINER XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, VA XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. This letter is addressed to the subscriber furnishing the information on my credit reports, and if this letter is addressed to any credit reporting agency, then it is considered a ghost letter mirroring the actual request for documentation of a credit trade line I may have issues with. It is my understanding that each credit reporting agency has an obligation to maintain accuracy within the banking/credit community, and I will fulfill my obligations to work within the credit system as it was designated. Thank you for your full consideration in this matter. Sincerely, XXXX XXXX XXXX XXXX
11/30/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 76021
Web
XX/XX/XXXX 2nd attempt for collection Validation. I recently received a billing statement from Caine & Warner. I asked for a VALIDATION not Verification. A billing statement is not a form of VALIDATION. Anyone can send a billing statement and claim they are collecting on behalf of another party. I do not have a contract with you all. Please provide a signed agreement between myself and your company. Otherwise, please feel free to have the original party reach out to me to resolve this issue. I will only respond to email or letter. Request for VALIDATION, NOT Verification XX/XX/XXXX Caine & Weiner RE : Accounts # XXXX To Whom It May Concern : This letter is being sent to you in response to a collection that is showing up on my credit report that I disputed, due to your erroneous reporting to the Credit Bureau XXXX , the highly negative impact on my personal credit report. I have no knowledge and do not have a contract with this company. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. This is NOT a request for verification or proof of account, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion from XXXX request shall be sent to me immediately. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure your records are in order before I am forced to take legal action against your company. This is an attempt to correct your records, any information obtained shall be used for that purpose. Best Regards, XXXX XXXX Response from Caine & Warner XX/XX/XXXX STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response Our office received the account from the creditor in XX/XX/XXXX. Initial correspondence was sent to the consumer at that time. Our records indicate we were unable to reach the consumer by phone and that we have received no written correspondence directly from the consumer related to this account. Our records indicate that the creditor still shows the balance as due for unpaid auto insurance premiums. The consumer disputed the debt with one or more credit reporting agencies in XX/XX/XXXX. As a result of that filing our office recently mailed documentation to the consumer detailing policy information and vehicle types specific to the debt to the address listed in this complaint. The consumer is encouraged to contact our office at XXXX XXXX for further assistance in resolving the balance due with the creditor.
12/28/2022 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • MI
  • 48103
Web
When purchasing a home many years ago, my realtor recommended that I use an insurance agent for purchasing home-owners insurance. I used XXXX XXXX ' to bundle both home and XXXX insurance at that time. However, the agent assigned to me kept changing, and I quickly forgot who my agent was, and how to contact the insurance agency. I paid all of my bills on time, and my insurance was renewed regularly, and the lack of contact with the insurance agent was not a problem until I tried to change insurance. In XXXX 2021, while researching life insurance, I decided to change my insurance provider for all of my insurance, including XXXX insurance. At the time, an unnamed XXXX XXXX agent had set up my auto insurance with XXXX XXXX. After setting up my new auto insurance, I tried to cancel my policy with XXXX on the XXXX website. Since I could find no forms to cancel this unwanted service, I submitted a ticket/message to cancel the duplicative auto insurance. XXXX informed me that I couldn't cancel my service, but I didn't understand why. I responded again and said that it was unacceptable to create a contract that could not be cancelled. Despite clear communication that I no longer wanted the service, they continued to bill my credit card, and provide duplicative insurance for another 8 months. It wasn't until my XXXX XXXX did their annual re-issuance of cards in XX/XX/2021 that a representative of XXXX XXXX ' finally contacted me ( which is a big clue that they don't really care about helping me, they just want to make sure everyone gets paid ). I informed her that I had canceled my policy months ago, and I needed help getting a refund for the duplicative auto insurance services that I did not need or want. She told me that many insurance companies require that cancellation notices go through the agency, and sometimes aren't accepted directly from the consumer. I told her that I found this logic problematic, as legally an agent is a representative between a consumer and a third party, but they can't prevent or supersede communication directly between a consumer and an insurance provider ( or any service provider, really ). Fundamentally, this makes the requirement to use an agent to cancel an unwanted service legally unenforceable. I re-iterated again that I wanted help getting a refund, and she promised to try to do so and get back to me. The XXXX XXXX agent, whose name I can't remember, communicated with me a few more times while attempting to cancel the unwanted insurance with XXXX. First, she contacted me to tell me that XXXX did require that I use an XXXX XXXX agent in order to cancel the service. I told her that I disagreed with this and asked her to cancel my insurance and again ask for a refund. She informed me that a refund was unlikely, but she would try to cancel my insurance. The next time the XXXX XXXX agent contacted me, she asked for a photograph of my present auto insurance so that XXXX could cancel the service. I again protested, stating that additional documentation should not be necessary, but I texted an image of the new policy anyway. The third time the XXXX XXXX agent contacted me, she told me that XXXX had not accepted my prior requests for cancellation, and they were now requiring that I fill out a form. At this point I terminated the relationship with XXXX XXXX. After failing to cancel my policy twice, or obtain a refund, it was clear that they were not interested in representing me. In total, I notified XXXX 4 times that I was cancelling our contract. XXXX would not accept my cancellations, would not tell me why, and continued to bill me for unwanted services. Even after attempting to follow their unlawful rules for contract cancellation, they continued to create more barriers to the termination, instead of respecting accepted legal doctrine on the termination of contracts. There is no legal doctrine where a consumer is disallowed from cancelling a contract directly with proper notice. As such, XXXX needs to remove all collections on my account, and provide an appropriate refund for 8 months of unwanted service. XXXX XXXX failed to properly represent my interests in this matter. In addition to providing poor customer service by repeatedly changing my agent, and not providing timely notification of changes, they failed miserably on simple negotitions on my behalf. Their involvement in the relationship only served to provide XXXX with excuses for not responding directly to my requests for communication. Sincerely, XXXX XXXX
05/30/2023 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 92584
Web
On XX/XX/2023 at XXXXXXXX XXXX XXXX XXXX and XXXXXXXX XXXX my husband attempted to contact XXXX from Caine and Weiner to settle our debt with XXXX. No calls were returned. On XX/XX/2023 at XXXXXXXX XXXX he called XXXX at Caine and Weiner and got through. He stated that we wanted to pay the past due amount in order to reinstate our services. My husband requested a summary of the fees and asked if we could get that in writing. XXXX told my husband that she did not have that information and couldn't provide it and that he needed to contact XXXX. I called XXXX and asked for it so that we could see that we were in agreeance of the amount to be paid so that we could settle the debt. XXXX told me that it had to come from the debt collector, Caine and Weiner and that they did not have that info to provide to us. XXXX told my husband she would call him back to provide more info and we did not receive a call back. My husband attempted to contact XXXX again on XX/XX/2023 at the following times as we were very interested in getting this resolved. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX We did not receive a call back so my husband tried again on XX/XX/2023 at XXXXXXXX XXXX. XXXX called him back at XXXX XXXX and when he inquired on the itemization of the current amount of the debt that reflects interest, fees, payments, and credits and XXXX stated that she DOES NOT have to provide that to him. XX/XX/2023 XXXXXXXX XXXX I called XXXX to request info and I left a voicemail requesting a call back. XX/XX/2023 I called XXXX and requested the itemized breakdown and they told me that Caine and Weiner would have to provide that since it is with their collections company now. I asked the rep at XXXX if we pay the past due amount will we be reinstated and he said yes. He put me on hold to see if the reinstatement dept could help me with the info and they told him no as well. Said it had to come from Caine and Weiner. He did however email me a final statement that shows a balance. But, not a breakdown. The rep told me to call XXXX for help at Caine and Weiner. XX/XX/2023 at XXXXXXXX XXXX I called the phone number XXXX and the person who answered the phone transferred me to XXXX. I asked XXXX if she could please provide me with the itemized breakdown of fees for payment. She told me she didn't have to provide that to me. I told her according to the CFPB she did have to provide that to me. I asked her if her office was an attorney 's office or a debt collection office. She replied, " a debt collector '' so, I asked her again how they do not have to abide by the fair debt collections act? She then asked me if I was an attorney and I said no, however, I know my rights. I want to pay the debt, I need to see the fees. She passed me onto a manager. XXXX XXXX, manager picks up the phone and I ask her for a breakdown of the fees. She said she will have to ask XXXX if they will provide that info and asked what my intentions were. I said I wanted to pay the past due and reinstate my services. I asked her my options and asked how long it would take to get a breakdown. She stated at least 3 weeks. I asked if we could find a way to do it faster. She said I should have checked my mail and to go search for the info in old mail for myself and figure it out. Both XXXX and XXXX were rude and condescending when all I was truly doing was asking for the fees to settle a debt. Out of frustration I said the " XXXX '' word to her and immediately apologized and stated I was frustrated and that I knew it was wrong. XXXX then went on to lecture me and state that it's my fault I don't have the info. I asked her if instead of waiting for the breakdown, if we paid it now and later received the itemized fees and found discrepancies could we be refunded or credited. She said it was up to XXXX and then proceeded to tell me it is too hard to even answer my questions and that I was all over the place. I said, " yes, I am frustrated and you're listening to be combative rather than to what I am saying. '' I called her job XXXX and hung up on her. This entire experience has been a violation of the fair debt collections act and I am requesting to pull the recording of all calls between Caine and Weiner and myself as well as all calls between my husband and Caine and Weiner. Due to the denial of our rights, I am requesting that our credit not be affected as we were willing to pay the debt.
08/17/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • PA
  • 19124
Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX To Whom it May Concern, I am writing this letter voluntarily and of my own free will. I've discovered that my credit reports include errors, and the FCRA statute requires that they be checked by real people rather than computer programs. Speaking with people I know will serve as verification, as secondary credit reporting organizations ' information is frequently wrong. As the source of this material, I demand that it be deleted right away. 1. Offer proof of the debt, such as real accounting. 2. A signed invoice serving as proof of their claim against you. 3. A copy of the contract that binds both you and the other party ; send this letter by recorded delivery so that there is a third party to attest to its delivery. First off, my address is listed above. This is my one and only address. I have never resided at XXXX XXXX XXXX XXXX XXXX, PA XXXX Please remove all addresses that are not the following listed below from profile XXXX XXXX XXXX XXXX Pa XXXX This letter is to inform you that the below referenced accounts being reported by your company on my credit reports is hereby disputed for lack of completeness and/or accuracy. I have recently opted out from all secondary credit reporting so please do not rely on them for accuracy for they should not be sharing any of my information. I recently tried to verify these accounts with the credit reporting bureaus. You have yet to provide proof other than word of mouth. Where are the documents and authorizations for these accounts? I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct a full investigation and provide me with the documents showing where these accounts originate. Please provide documented proof that I am the owner. Lastly please remove the following collection accounts and negative information from my credit reporting profile : These accounts are not mine. My credit report was accessed under false pretenses which is identity theft. I will be filing consumer complaints so that these companies are fined for the vicious and malicious practices. I will sue if necessary CAINE & WEINER 15 USC 1681 requires all information to be accurate and verified. No one verified any one of the above information. My rights are being violated. I have the right to privacy and did not give anyone permission to furnish this information. No accounts can be furnished on my report without my written permission A copy of the information you send me will enable me to conduct my own investigation into the accuracy of your records and confirm that a reasonable investigation was carried out. I am also asking you to send me an explanation of the procedures you followed and a description of the records you reviewed when you conducted your investigation. I'm making use of my ability to obtain information about these issues included on my consumer credit report under Section 609 of the Fair Credit Reporting Act. I have a right to inspect the information 's origin, which is the original contract bearing my signature, in accordance with section 609. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 3 ) Duty to provide notice of dispute If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. ****************************** ****************************** ****************************** *** CONFIDENTIALITY STATEMENT : This message and any attachments may contain legally privileged and/or sensitive information. Any unapproved disclosure, use or dissemination of this e-mail message or its contents, either in whole or in part, is not permitted. If you are not the intended recipient of this e-mail message, kindly notify the sender and then securely dispose of it.
05/30/2023 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 92584
Web
On XX/XX/2023 at XXXX XXXX, XXXX XXXX and XXXX XXXX my husband attempted to contact XXXX from Caine and Weiner to settle our debt with XXXX. No calls were returned. On XX/XX/2023 at XXXX XXXX he called XXXX at Caine and Weiner and got through. He stated that we wanted to pay the past due amount in order to reinstate our services. My husband requested a summary of the fees and asked if we could get that in writing. XXXX told my husband that she did not have that information and couldn't provide it and that he needed to contact XXXX. I called XXXX and asked for it so that we could see that we were in agreeance of the amount to be paid so that we could settle the debt. XXXX told me that it had to come from the debt collector, Caine and Weiner and that they did not have that info to provide to us. XXXX told my husband she would call him back to provide more info and we did not receive a call back. My husband attempted to contact XXXX again on XX/XX/2023 at the following times as we were very interested in getting this resolved. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX We did not receive a call back so my husband tried again on XX/XX/2023 at XXXX XXXX. XXXX called him back at XXXX XXXX and when he inquired on the itemization of the current amount of the debt that reflects interest, fees, payments, and credits and XXXX stated that she DOES NOT have to provide that to him. XX/XX/2023 XXXX XXXX I called XXXX to request info and I left a voicemail requesting a call back. XX/XX/2023 I called XXXX and requested the itemized breakdown and they told me that Caine and Weiner would have to provide that since it is with their collections company now. I asked the rep at XXXX if we pay the past due amount will we be reinstated and he said yes. He put me on hold to see if the reinstatement dept could help me with the info and they told him no as well. Said it had to come from Caine and Weiner. He did however email me a final statement that shows a balance. But, not a breakdown. The rep told me to call XXXX for help at Caine and Weiner. XX/XX/2023 at XXXX XXXX I called the phone number XXXX and the person who answered the phone transferred me to XXXX. I asked XXXX if she could please provide me with the itemized breakdown of fees for payment. She told me she didn't have to provide that to me. I told her according to the CFPB she did have to provide that to me. I asked her if her office was an attorney 's office or a debt collection office. She replied, " a debt collector '' so, I asked her again how they do not have to abide by the fair debt collections act? She then asked me if I was an attorney and I said no, however, I know my rights. I want to pay the debt, I need to see the fees. She passed me onto a manager. XXXX XXXX, manager picks up the phone and I ask her for a breakdown of the fees. She said she will have to ask XXXX if they will provide that info and asked what my intentions were. I said I wanted to pay the past due and reinstate my services. I asked her my options and asked how long it would take to get a breakdown. She stated at least 3 weeks. I asked if we could find a way to do it faster. She said I should have checked my mail and to go search for the info in old mail for myself and figure it out. Both XXXX and XXXX were rude and condescending when all I was truly doing was asking for the fees to settle a debt. Out of frustration I said the " XXXX '' word to her and immediately apologized and stated I was frustrated and that I knew it was wrong. XXXX then went on to lecture me and state that it's my fault I don't have the info. I asked her if instead of waiting for the breakdown, if we paid it now and later received the itemized fees and found discrepancies could we be refunded or credited. She said it was up to XXXX and then proceeded to tell me it is too hard to even answer my questions and that I was all over the place. I said, " yes, I am frustrated and you're listening to be combative rather than to what I am saying. '' I called her job XXXX and hung up on her. This entire experience has been a violation of the fair debt collections act and I am requesting to pull the recording of all calls between Caine and Weiner and myself as well as all calls between my husband and Caine and Weiner. Due to the denial of our rights, I am requesting that our credit not be affected as we were willing to pay the debt.
05/24/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information is missing that should be on the report
  • OK
  • 741XX
Web
XXXXXXXX XXXX XXXX are reporting progressive insurance as a creditor on my consumer reports with all bureaus. Progressive insurance does offer credit and if they do please adhere to the following to validate and verify this acct. Id also like to see your chain of custody on this account, id like a copy of Your {$10000.00} bond on file with the secretary of the state of Texas as required in section 301 of the Texas fdcpa. A wet signature on my name stating I opened a line of credit with progressive insurance. Progressive inditements is not a bank ice never entered into contact with them and if this is immediately removed I will consult legal council to sue this company and is officers and board members for money, and for fraud XX/XX/XXXX Dear Sir or Madam : It has come to my attention after reading a publication titled XXXX XXXX XXXX published by the XXXX XXXX XXXX XXXX XXXX that this bank and other banks within the Federal Reserve System may be perpetrating a fraud on the American public. I have some questions which need to be answered before I continue to make payments on or use my Bank credit card. My account number is ( listed below ). The following are my questions : l. Was an individual depositor 's money deposit used in order to pay the vendors when I made charges to my account? 2. Was the money that was loaned created by my signing of the voucher when I made the purchase? 3. Is it your Bank policy to create checkbook money in amounts equal to the charges made by Bank customers? 4. Does this Bank have on file a contract signed by me with a bona fide signature? 5. Will your Bank provide a copy of the journal entry that is made when I charge to my account? Please answer these questions within ten ( 1O ) days so that I am not late in making my payment. If I do not hear from you, I will assume that what I have learned is the truth and will, therefore, rescind my contract with ( Name ) Bank, as I do not wish to be a party to fraudulent practices, Thanking you in advance for your cooperation, I look forward to your immediate response to this most disturbing revelation. My hope is that you can dispel my fears and refute this troubling circumstance in which we find ourselves. When applying for my credit card I was under the impression that the credit card company would be loaning me depositors money which it received from depositors or investors I found case law published by the XXXX XXXX XXXX XXXX XXXXXXXX that the credit card company created money that I borrowed by using that's OK you generated computer interest to my account using the longest credit and to take creating money out of thin air and none of my transactions did any officer or employee notified me that the bank creates money out of thin air by journal entry after discovering this Im prepared to proceed against your company for bank fraud the banks transactions relating to me like 2 months to make a valid contract you have to be aware of the following USC 32 section 24 paragraph 7 confers upon a bank the power to lend its money and not credit and First National Bank of tallapoosa versus Monroe 135GA614 ; 69SE 1123 ( 1191 ) The court stated the provision referred to does not give power to a bank to guarantee the payment of obligations of others solely for their benefit and no such power incidental and the business of banking the banking and its own money not credit also see how would enforcer Co versus citizens National Bank of union, 133S.C. 202 ; 130S.E. 758 ( 1927 ) The credit card company did not notify me that it created money by journal entry defined as bank credit to do so would have disclosed that there was no consideration from the bank or the credit card company to meet it has been shattered beyond controversy by the court that a National Bank under federal law being limited to its power and capacity can not lend its credit by guaranteeing the debt of another all such contracts and you're into by its officers or ultra the IRES and not binding upon the corporation also see merchants Bank of Valdosta versus Bayer 160 F 642 ; 17 LNS 526 ( 1876 ) A lawful consideration must exist and be tendered to support the note also see anheuser Busch Brewing Company versus Emma Mason 44Min 318, 46NW558 ( 1890 ) if there is no full disclosure and there is no consideration then there is no contract. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX
03/30/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30315
Web
I received an email from my credit monitoring service. It informed me that my credit score had dropped a tremendous amount of points. I logged on and found that CAINE & WEINER had illegally posted an alleged collection account to my credit profile. Prior to the email, I have never heard of nor had an account with this company. My report shows that it is an open account and was opened on XX/XX/ with a balance of {$140.00}. I have no knowledge of this company, nor this alleged debt. I have never had any dealings with this company. By federal law, a debt collector is supposed to make contact with an alleged debtor and give them 30 days to validate or dispute before they move forward with collection attempts. I never receive a letter in the mail that gave me 30 days to validate or dispute this account. I never received a letter stating that I have an alleged debt with this company and owe a balance on that account. Again, I have absolutely no knowledge of this account with them. I, a consumer defined under 15 USC 1692a ( 3 ), understand that, under the FDCPA guidelines for collection agencies, they have to provide ( 1 ) legitimate proof that they are the original holder of this debt and can legally hold me responsible for paying this debt and ( 2 ) contractual proof of obligation or an assignment SIGNED from an officer from the original creditors corporation that I am supposed to pay them. 15 USC 1692g Sec. 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ) grants me the right as a consumer to request validation of this alleged debt they say I owe. I did not receive notice of right to dispute nor did I receive any information to verify that the alleged debt belonged to me. If I would have gotten anything in the mail or phone call from this company before they illegally reported to my credit report, I would have respectfully requested evidence that I am the person they are asking to pay this debt and a contractual obligation that legally binds me to pay them this debt. Upon them receiving my validation letter by certified mail with return receipt, they would have to legally cease from collection calls, letters, and efforts and delete the account from my credit reports until they can validate this debt. But again, I never received such a letter about this account or phone call ever in the mail because it was never sent. In order for them to prove that I received it properly, the proper letter should have been mailed certified mail with return receipt or by some form of proof of postage that would require my signature. And if the company did mail anything to me, where is the legal proof of my signature stating that I received it? Where is the return receipt or postage signature showing that I received it and signed for it? But again, I never received any sort of mail or package because it was never sent. They have illegally posted and reported to my credit file without adhering to the FDCPA laws. Im not sure if this company is a scam, but I know that this company has broken FCRA and FDCPA laws by reporting an alleged account to my credit report without informing me through mail or phone and I did not receive notice of right to dispute nor did I receive any information to verify that the alleged debt belonged to me. My credit score has dropped tremendously in the middle of making a major purchase. Please help me get this account removed immediately. As a consumer, Im publicly publishing this descriptive complaint on consumerfinance.gov so that others can learn from my experience and so that this government agency can use this information to help work with other violations and complaints from consumers regarding this company. As a consumer defined under 15 USC 1692a ( 3 ), I'm also preparing to sue under the FCRA and FDCPA because of the numerous consumer law violations committed by this company, damages to my credit and opportunity costs with making a major purchase, and business ventures that must be delayed until this illegal account is removed. It should not my responsibility to submit proof that this debt does not belong to me. It is the responsibility of the debt collector to submit proof that they can legally collect on the alleged debt and legally report to the credit agencies. As of this date, they have failed to do so. Caine & Weiner XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
07/19/2022 Yes
  • Debt collection
  • Auto debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • PA
  • 19132
Web
I am responding to your incc. Last reported on XXXX and identified the debt as [ any information they gave you about the debt ]. I do not have any responsibility for the debt youre trying to collect. If you have good reason to believe that I am responsible for this debt, mail me the documents that make you believe that. Stop all other communication with me and with this address, and record that I dispute having any obligation for this debt. If you stop your collection of this debt, and forward or return into another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed. Please supply the information below so that I can be fully informed : Why you think I owe the debt and to whom I owe it, including : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. Can you provide a copy of the written agreement that created my original requirement to pay? If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I am required to pay. The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. State the amount of the debt when you obtained it, and when that was. If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them. If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law. Tell me when the creditor claims this debt became due and when it became delinquent. Identify the date of the last payment made on this account. Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that. Details about your authority to collect this debt. I would like more information about your firm before I discuss the debt with you. Does your firm have a debt collection license from my state? If not, say why not. If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. If you are contacting me from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. I have asked for this information because I have some questions. I need to hear from you to make an informed decision about your claim that I owe this money. I am open to communicating with you for this purpose. In order to make sure that I am not put at any disadvantage, in the meantime please treat this debt as being in dispute and under discussion between us.
02/14/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • KY
  • 42240
Web
I received an email from my credit monitoring service. I saw that my credit score had dropped a tremendous amount of points. I found that CAINE & WEINER had illegally posted an alleged collection account to my credit profile. Prior to the email, I have never heard of nor had an account with this company. My report shows that it is an open account and was opened on XX/XX/2018 with a balance of {$410.00}. I have no knowledge of this company, nor this alleged debt. I have never had any dealings with this company. By federal law, a debt collector is supposed to make contact with an alleged debtor and give them 30 days to validate or dispute before they move forward with collection attempts. I never receive a letter in the mail that gave me 30 days to validate or dispute this account. I never received a letter stating that I have an alleged debt with this company and owe a balance on that account. Again, I have absolutely no knowledge of this account with them. I, a consumer defined under 15 USC 1692a ( 3 ), understand that, under the FDCPA guidelines for collection agencies, they have to provide ( 1 ) legitimate proof that they are the original holder of this debt and can legally hold me responsible for paying this debt and ( 2 ) contractual proof of obligation or an assignment SIGNED from an officer from the original creditors corporation that I am supposed to pay them. 15 USC 1692g Sec. 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ) grants me the right as a consumer to request validation of this alleged debt they say I owe. I did not receive notice of right to dispute nor did I receive any information to verify that the alleged debt belonged to me. If I would have gotten anything in the mail or phone call from this company before they illegally reported to my credit report, I would have respectfully requested evidence that I am the person they are asking to pay this debt and a contractual obligation that legally binds me to pay them this debt. Upon them receiving my validation letter by certified mail with return receipt, they would have to legally cease from collection calls, letters, and efforts and delete the account from my credit reports until they can validate this debt. But again, I never received such a letter about this account or phone call ever in the mail because it was never sent. In order for them to prove that I received it properly, the proper letter should have been mailed certified mail with return receipt or by some form of proof of postage that would require my signature. And if the company did mail anything to me, where is the legal proof of my signature stating that I received it? Where is the return receipt or postage signature showing that I received it and signed for it? But again, I never received any sort of mail or package because it was never sent. They have illegally posted and reported to my credit file without adhering to the FDCPA laws. Im not sure if this company is a scam, but I know that this company has broken FCRA and FDCPA laws by reporting an alleged account to my credit report without informing me through mail or phone and I did not receive notice of right to dispute nor did I receive any information to verify that the alleged debt belonged to me. My credit score has dropped tremendously in the middle of making a credit transaction. Please help me get this account removed immediately. As a consumer, Im publicly publishing this descriptive complaint on consumerfinance.gov so that others can learn from my experience and so that this government agency can use this information to help work with other violations and complaints from consumers regarding this company. As a consumer defined under 15 USC 1692a ( 3 ), I'm also preparing to sue under the FCRA and FDCPA because of the numerous consumer law violations committed by this company, damages to my credit and opportunity costs with making a major purchase, and business ventures that must be delayed until this illegal account is removed. It should not my responsibility to submit proof that this debt does not belong to me. It is the responsibility of the debt collector to submit proof that they can legally collect on the alleged debt and legally report to the credit agencies. As of this date, they have failed to do so. CAINE & WEINER XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX
11/01/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • CA
  • 93551
Web Older American
XX/XX/XXXX Consumer Financial Protection Bureau Response to XXXX XXXX XXXX letter dated XXXX XXXX Dear XXXX XXXX In response to your letter dated XX/XX/XXXX, my response is as follows : During the seven years since your solar system was installed, XXXX has made zero effort to address any of my concerns. One of them was XXXX XXXX with my home filled with family and no power. Not one service call from XXXX in 7 years. ZERO! I asked several times and never received the name of the installer or his contractors license number to file a complaint with the XXXX XXXX XXXX XXXX XXXX. This is a formal request for that information. Please provide the name, address, phone number and license numbers for any salespeople, contractor or sub contractors that were involved with the sale and installation of my solar system. After the damage that was caused by your company to my home no one from your company will be allowed to make repairs. I will hire only qualified licensed contractors. Pursuant to the agreement : Section 13 ( a ) The only offer made by your company ( {$1000.00} ) is unacceptable considering how much time effort and money has been spent to resolve issues caused by XXXX workmanship. Section ( d ) Again, XXXX offer to resolve a much more expensive fix does not merit fulfilling contractual obligations. XXXX should have resolved my issues when they occurred instead of making excuses and blaming others why they werent done. According to your representative XXXX XXXX, your solar system has been turned off on my property since XX/XX/XXXX. I dont want or need your solar system. I want it removed. XXXX sent me a termination of the security agreement, not a continuation as you claim this was. I recorded the UCC1 of this termination and release from XXXX XXXX with the XXXX XXXX XXXX Recorder on XX/XX/XXXX. This terminates any security interest XXXX has for this equipment. Your contract dated XX/XX/XXXX Page one describes my contract price as follows. Year 1 XXXXXXXX XXXX XXXX XXXX XXXX. Annual increase 0.0 % Same contract dated XX/XX/XXXX, page 14. XXXX XXXX XXXX raises the price of the produced power every year for 20 years. I never agreed to raise my XXXX rate yearly in writing. Ever. This was added after the fact. This is deceptive and illegal. XXXX received 6+ years of payments and my state and federal tax credits. Your office shows the payoff is {$24000.00}? I have since received various payoff amounts as high as {$29000.00}. Your contract calculates payoff of {$14000.00} on year 6. What exactly is your payoff XXXX? After XXXX inferior solar system is removed, here is my out of pocket expenses. {$2200.00} Remove solar panels {$1000.00} and {$750.00} Roof Repair ( XXXX separate repairs ) {$2600.00} Electrical Panel service {$6400.00} I am in the process of pulling a permit for a licensed electrical contractor to remove and replace my 200 amp main electrical panel at my own expense. The same panel your unlicensed installer installed. The panel has shorted and blown multiple breakers including XXXX day. This is a fire and safety hazard. {$32000.00} new solar system. {$45000.00} total I never signed all pages of your agreement. Page : XXXX XXXX rate was never agreed to. I have never seen this page or agreed to it. No initials or signature. You added this page after the fact. This is unfair and deceptive. Update : XX/XX/XXXX and XXXX, XXXX I have documented documented many harassing phone calls from XXXX on these two days attempting to offer me {$1000.00} for my out of pocket expenses above. This is your escalation and resolution department attempting to put a bandaid on a much more severe problem. At least you admitted you were wrong. This is an insulting offer and harassment. A copy of this complaint, contract and agreement along with the Terminated UCC1 has been sent to the XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And The Consumer Financial Protection Bureau. I am a senior. This is Elder abuse. XXXX XXXX XXXX
02/17/2023 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • PA
  • 180XX
Web
XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX Caine & Weiner Company , Inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX To Whom It May Concern : Please be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act ( FCRA ) 15 U.S. Code 1692g stating your claim is disputed and validation is requested. Please understand that this letter is not a request for verification or proof of mailing address. This services as an explicit a request for VAILDATION made pursuant to the above-mentioned Title and Section. Im requesting that your office provides me with competent evidence that I have any legal obligation to pay you. Im also informing Caine & Weiner Company Inc, that if your office has reported invalidated information to any of the three major credit bureaus ( XXXX, XXXX, or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by Caine & Weiner Company Inc or the company you represent, I will not hesitate in bringing legal action against and your client for the following : violation of the Fair Credit Reporting Act, violation of the Fair Debt Collection Practices Act, and Defamation of Character ( per se ). If Caine & Weiner Company Inc, can provide the proper documentation as requested in the following Declaration, I will require at least 30 calendar days to investigate this information, during which time all collection activity shall CEASE and DESIST. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of information to a credit reporting repository that could be inaccurate or invalidated. If Caine & Weiner Company Inc fails to respond to this validation request within 30 calendar days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. The Following information is required. Please fill om the form below in its entirety. 1. Name and address of Alleged creditor : 2. Name on file of alleged debtor : 3. Alleged Account # : 4. Address on file for alleged debtor : 5. Amount of alleged debt : 6. Date this alleged became payable : 7. Date of original charge off or delinquency : 8. Was this debt assigned to a debt collector or purchased? ___No ___Yes 9. Amount Paid if debt was purchased : 10. Commission for debt if collection efforts are successful : Please attach copies of the following : Agreement with your client that grants Caine & Weiner Company Inc, the authority to collect this alleged debt. Signed agreement Debtor has made with Caine & Weiner Company Inc or other verifiable proof Debtor has a contractual obligation to pay Debt collector. Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor. All statements while this account was open. Have any insurance claims been made by any creditor regarding this account? __Yes __No Have any Judgements been obtained by any creditor regarding this account? __Yes __No Please provide me the name and address of the bonding agent for Caine & Weiner Company Inc , in case legal action becomes necessary : Date : ___________ Authorized Signature of Creditor You must return this completed form along with copies of all requested information, assignments of other transfer agreements, which would establish your right to collect this alleged debt within 30 calendar days from the date of receipt of this letter. Your Claim can not and WILL NOT be considered if any portion of this form is not completed and returned with copies of all requested documents. This is a request for Validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 calendar days for processing after I receive this information. Best Regards. XXXX XXXX XXXX
12/07/2023 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Attempted to collect wrong amount
  • GA
  • 30318
Web
Failure to respond correctly to Debt Validation notice XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX CAINE & WEINER XXXX XXXX XXXX XXXX XXXX, CA XXXX RE : NOTICE AND DEMAND FOR CEASE AND DESIST FOR ACCOUNT XXXX XXXXXXXX I have asked you to validate the alleged debt that you claim that I owe Pursuant 12 CFR 1006.34C, and all you have provided me are statements and signatures to an account that you can not prove is mine. The Information and Reponses from office does not meet the required information and disclosures that company is to provide in response to a notice of validation of debts. Your company is in Violation of Regulation F, the FDCPA and FCRA. You have violated my consumer rights under 12 CFR 1006.34c & the Fair Debt Collection Practices Act ( FDCPA ) 15USC 1692 ( g ) Failure to validate this alleged debt. I refuse to pay this alleged debt until the proper validation of this debt is provided. Please cease and desist all collection activities until you can properly validate this alleged debt. 15 USC 1692c ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. If proper validation of this alleged debt is not provided within 30 calendar days of receiving this notice, I will assume this alleged debt to be invalid and you shall delete this account and stop all collection activities regarding this account. Furthermore, you do not have any jurisdiction or authority to even collect on this alleged debt. FDCPA 811 [ 15 USC Any reporting of this alleged debt to any consumer reporting agency will be taken as an attempt to collect on an alleged debt that not only is fraudulent, but you have no legal right to collet on! 1692i ] Legal actions by debt collectors ( a ) Venue Any debt collector who brings any legal action on a debt against any consumer shall ( 1 ) in the case of an action to enforce an interest in real property securing the consumers obligation, bring such action only in a judicial district or similar legal entity in which such real property is located ; or ( 2 ) in the case of an action not described in paragraph ( 1 ), bring such action only in the judicial district or similar legal entity ( A ) in which such consumer signed the contract sued upon ; or ( B ) in which such consumer resides at the commencement of the action. ( b ) Authorization of actions Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors. FDCPA 807 [ 15 USC 1692 ( e ) ( 3 ) ] False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : With all that was said above, for each VIOLATION of the FDCPA that you have committed I am entitled to {$1000.00} per violation. You dont believe me? Ok, let me show you what the law says : FDCPA 813 [ 15 USC 1692k ] Civil liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of -- ( 1 ) any actual damage sustained by such person as a result of such failure. ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00}. Your Options are as follows : 1 ) Delete this account and cease and desist with all collection activities ; 2 ) Settlement ; or 3 ) We go to court, and you incur lawyer fees, plus pay me {$1000.00} per violation along with more in damages. Sincerely, XXXX XXXX
06/18/2018 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • GA
  • 30093
Web
Date:XX/XX/2018 From : XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX CC : XXXX XXXX XXXX Consumer Financial Protection Bureau Federal Trade Commission Attorney Generals Office of Texas XXXX XXXX XXXX / Directing Attorney XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , UT XXXX XXXX XXXX XXXX XXXX To : Caine & Weiner XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX REF # : XXXX / CW XXXX RE : Validation of Debt To Whom It May Concern please be advised that this is not a refusal to pay, but a notice that your claim is being disputed and validation is requested. As this is mentioned and listed under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. Please give a complete, accurate and thorough breakdown of the amount that is has been reported to all there of the major credit bureaus. Please list all fees of the original amount that your offices have on file. Please explain all erroneous fee that may be inaccurately reported to all three of the major credit bureaus. In your documents please include the first and last date of activity on this account to make sure that this account falls within the state of Georgia and Federal statute of limitations to report and collect the amount that is owed. Please show valid proof that Caine & Weiner is licensed and bonded and is able to collect the amount owed in all 50 United States. This is NOT a request for verification or proof of my mailing address, nor is it a request for ownership of legal rights to a debt but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I hereby order you and respectfully request that your offices provide me with accurate account details. At this time, I will also inform you that if your offices have or continue to report invalidated or inaccurate information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute as fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. 805. Communication in connection with debt collection 806. Harassment or abuse 809. Validation of debts Telephone Consumer Protection Act 47 U.S.C. 227 I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require your offices 30 days to investigate this information and during such time all collection activity and contact of all forms must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion request shall be sent to me immediately. It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. Prove that you are the original creditor, please prove beyond a reasonable doubt that you have a contract with my name agreeing to pay your company. Your company has 30 days to comply with federal consumer protection laws. Moving forward submit all documents to XXXX XXXX XXXX @ XXXX XXXX XXXX Info provided above. Regards XXXX XXXX
08/11/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • False statements or representation
  • Attempted to collect wrong amount
  • CA
  • 95112
Web
I called Caine & Weiner ( XXXX XXXX, CA ) attempting to fully pay an outstanding balance with XXXX XXXX XXXX. The debt is from XX/XX/XXXX and is reported to collection agencies as {$190.00}. I had offered to pay XXXX the balance, but needed credit for water bottle deposits from water I had not ordered, left at my door in excess of ordered quantities. In other words, I did not seek credit for the water ( product ) but for the automatic " deposit '' debited my account for each excess bottle. XXXX would not agree or even allow me to return the bottles to them at my expense. The deposit was {$10.00} for each bottle, yet XXXX did not take the return empty bottles and credit my account for the deposits. I still have all XXXX bottles. XXXX has no interest in resolving this since the debt was sold to Caine & Weiner, however they were very happy to resubscribe me to their service, stating they could resolve the collections issue ( really? ) I called Caine & Weiner 3 times on XX/XX/XXXX finally talking to someone who could look up my account on the XXXX attempt ( receptionist took data, forwarded me vm, I called back " they must be in a meeting ... .. ). XXXX stated my debt was well over {$300.00} and that they would happily accept my payment ( I had offered the full {$190.00} not deducting {$60.00} for the bottles ) and bill me for the balance. I eventually terminated the call since the requested amount was not only wrong, it lacked any contractual basis ( I did not consent directly or through XXXX to pay additional amounts ), especially since XXXX failed to deliver as agreed and charged bottle deposits, leaving arbitrary deliveries ( as many as XXXX at a time ) without taking and crediting empties. These were stated as " refundable deposits '' not as bottle purchases. I called Cain & Weiner today and spoke to XXXX then to XXXX XXXX, introduced as XXXX 's manager. XXXX was not able to send a letter resolving the debt as paid in full. XXXX XXXX offered to accept {$190.00} and report the debt " satisfied ''. Since I am working to get these minor issues off my credit report, that is not adequate nor a fair representation of my payment of {$190.00}. I did n't raise the issue of the bottle deposits, because Caine & Weiner 's documented history of harassment, and misrepresemtation available on the Web and in court filings. I was afraid they would treat me similarly. I note the debt is not legally recoverable, as the statute has run out as of XX/XX/XXXX. XXXX XXXX had already objected to me stating for the record ( after his required disclosure ) thar I had contacted them. I did not mention this was the 5th or 6th call. His objection became loud and insistent after I stated " You ca n't sue me to recover this debt '' simply to point out I knew that and we should be able to negotiate a payment with mutually acceptible and resonable terms.. XXXX XXXX angrily said, " I did n't threaten to sue you '' and I calmly stated that he most certainly had not threatened anything, that I was trying to define the problem to be solved so we could negotiate with full knowledge. I was offering to fully pay a debt in exchange for the debt being reported as " paid in full ''. The " satisfied in full '' status would continue to negatively impact my credit report and score. XXXX XXXX could not accommodate such an agreement, to pay an old debt without discounting it, and reporting its accurate status. I am still willing to pay this debt to this storied company of ill repute, but they seem only interested in strong arming consumers to pay illegitimate claims, withholding resolution on credit reports. I resolved a similar debt with a respectable collection agency by phone, including full payment in less than 30 minutes with the gentleman who answered my call, no holds, no transfers, no claims of hidden fees or any attempt to intimidate or withold proper credit reporting.
07/29/2022 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • TX
  • 77008
Web Servicemember
As a federally protected consumer I am identifying that Caine & Weiner Company ( Caine & Weiner ) was never given my permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. Caine & Weiner Company was notified within the 30 days of the collection statement dated XX/XX/2022, that this account was in dispute and that it needed to Cease and Deist communication but continued to proceed with further action and placed this alleged debt on my consumer profile. Additionally, after faxing and sending a certified letter on XX/XX/2022, that specified how Caine & Weiner had violated my consumer rights and would serve as the final notice, Caine & Weiner sent additional correspondence dated XX/XX/2022, specifically an invoice from XXXX to represent the of validation of this alleged debt owed and again requesting payment. I am noting that Caine & Weiner has committed multiple violation under the FCRA and the FDCPA by furnishing this alleged debt on my consumer report. These violations are as follows : 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) - report containing information solely as to transactions or experiences between the consumer and the person making the report. You were not party to this alleged transaction, thus was never authorized by me to report the alleged transaction. These alleged services were with XXXX XXXX. 15 USC 6802 ( 1 ) - a financial institution may not disclose nonpublic personal information to a nonaffiliated third party. Caine & Weiner is nonaffiliated third party as it relates to this alleged transaction. 15 USC 1692f - unfair collections practices - ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. I have verified with alleged original creditor there was never a contract for these alleged services. Caine & Weiner was not provided with an agreement between me and the alleged creditor XXXX. There is no contract that exist for these services, nor does XXXX have any documentation that authorizes the release of any my personal information. An invoice is not a validation of debt. 15 USC 1692 j ( a ) - It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. Again, you were not party to this alleged transaction, regardless of representing that you were retained by such alleged creditor. 15 U.S.C. 1681c-2 ( c ) ( 1 ) ( c ) - provide consumer with any valid or actual documentation validating this account or obtaining proof validating that I had obtained possession of any goods, services, or money because of the alleged transaction. 15 USC 1692d ( 2 ) - The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. Your representatives indicate all calls are recorded for monitoring and quality assurance purposes, and specifically on XX/XX/2022, at approximately XXXX. And at that point in time, I requested to verify with him that you can identify calls based on date, time and consumer reference account. I am requesting the Caine & Weiner remove this alleged account from my consumer report immediately. If no action is taken in apart by Caine & Weiner within 15 days of receiving this certified letter, I will proceed to I file litigation for actual damages caused and Caine & Weiner will be held criminally liable for aggravated identify theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud.
04/27/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • TX
  • 785XX
Web Servicemember
At this point in time, I do not recall the exact date of first contact by XXXX XXXX XXXX who so stated that she was calling in regards to a debt owed to their client XXXX XXXX as my former employer. Also, XXXX XXXX XXXX stated at the time that she worked for a collection agency named Caine & Weiner located at XXXX XXXX XXXX in XXXX XXXX, California XXXX, main # XXXX. At the same time during our phone contact, I then proceeded to respectfully request a form of a written notice as a validation of a debt collection, and XXXX XXXX XXXX stated that " she did not have to mailed me nothing ''. In addition, XXXX XXXX XXXX stated that " she, as a formal representative of Caine & Weiner Debt Collections Offices, was not bound to comply to my request of a written notice to validate the debt ''. At the same time, I went on to reiterate my position to verbally and respectfully request some form of a written notice that I allegedly owed such money amounts. Also, I added that I was fully aware that this type of an attempt to collect a debt was not and/or did not sound very legitimate. It was very suspicious and it seemed like some type of phone scam and fraudulent. XXXX XXXX XXXX just laughed on the other side of our phone contact and stated that she was going to have a XXXX XXXX XXXX speak to me. I then, once again, reiterated to XXXX XXXX XXXX that I would appreciated it if she could mail a written notice in the attempt to collect the alleged debt to validate her words, but XXXX XXXX XXXX, once again, repeated herself to advise me that " she did not have to mail me nothing and that she wanted for me to either pay by using a money order and/or to use a Debit Card methods of payment ''. I went on to state to XXXX XXXX XXXX that she could n't possibly expect me to pay moneys just by simply asking for my money over a phone call. I said to her, " are u listening to yourself ma'am, there is no way that I am going to send you money that I work so hard for, just because you phone call me and say so! ", " Are you serious ma'am? ". XXXX XXXX XXXX then stated that a XXXX XXXX XXXX will be contacting me at a later date and time. I then did a background check on this company and they did in fact exist out of XXXX XXXX, California. In addition, and to my surprise, Caine & Weiner have been in existence for the past 85 years and with reputable business experience. Two or Three days past and I took the liberty of making phone contact with Caine & Weiner at XXXX XXXX, California, and I respectfully requested to speak to a XXXX XXXX XXXX. He picked up the phone line and I introduced myself. XXXX XXXX XXXX is in fact the Administrator in charge over XXXX XXXX XXXX as he so eloquently put it. Also, XXXX XXXX XXXX sounded somewhat upset and agitated at the sound of my voice when spoken to. I, on the other hand, was very calmed cooled and collected in my mannerism and my phone communication skills. XXXX XXXX XXXX just simply reiterated with much rhetoric over and over again the same stance as his subordinate, XXXX XXXX XXXX. He simply stated that, " yes, in fact, it was true that Caine & Weiner did not have to mail me nothing in writing to attempt to collect the debt ''. It was then that I did mentioned to XXXX XXXX XXXX that I am a XXXX XXXX XXXX Veteran, and not only that but as a XXXX XXXX and XXXX Veteran, I am also a XXXX American Veteran with a slight different shade of XXXX 's made XXXX at birth. I went on to mention to XXXX XXXX XXXX that I knew my rights and that I would have to then contact all of the appropriate authorities that dealt with these matters at hand. XXXX XXXX XXXX sounded pretty upset at this point over the phone conversation and simply ended the call by stating, " good luck with that ''. Please allow me to say that this inexcusable as a consumer and as a veteran.
03/11/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Improper contact or sharing of info
  • Talked to a third party about my debt
  • FL
  • 33323
Web
This complaint involves several issue with a debt collection company named Caine and Weiner ( " C & W '' ). Their address is XXXX. XXXX XXXX, XXXX XXXX, CA XXXX. Their telephone number is XXXX. C & W on or about XX/XX/2017 sent a letter to my parents address ( an address I have not resided at in over 15 years ). C & W also sent a letter to my home address. On XX/XX/2017 C & W at XXXX eastern standard time called my XXXX parents home phone number. My mother, who is XXXX and requires assistance from my father to get around, answered the phone. The C & W representative aggressively asked for me. My mother said I was not there and to stop calling. Next, at XXXX eastern standard time, the C & W representative called my father 's personal cellphone. My father did not answer because it was the same number that just called the house. XXXX from C & W left a voicemail ( the message is saved by a service called XXXX as an XXXX ) asking my father, not me, to call back XXXX. My father then calls in a panic asking if I am okay and what is going on. I painfully hear my mother in the background screaming and sobbingly asking if I am okay and what is wrong. After speaking with my parents and telling them everything is okay I contacted the XXXX XXXX Police Department. I spoke with Officer XXXX ( XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ) at XXXX eastern standard time. After explaining to Officer XXXX C & W was harassing my parents, scaring them, and leaving messages for them to call C & W, Officer XXXX determined C & W was harassing my parents. He called the number left on my father 's voicemail. He talked to XXXX from C & W. XXXX, shockingly disclosed to the officer he was a debt collector, gave the officer my name, phone number, and address, and disturbingly told the officer he was attempting to collect a debt and disclosed the creditor 's name as " XXXX. '' The Officer reiterated C & W is harassing my parents, repreadtedly calling my parents when my parents demanded C & W cease and desist from calling. After receiving an order from a sworn police officer, the calls continued. At XXXX my father received another call on his personal cellphone from C & W. I then called C & W and spoke with XXXX. He was rude, aggressive, and would not confirm he would leave my parents alone. My father was forced to contact the XXXX Police Department and a report was made and he is meeting with an officer Monday, XX/XX/2017 to provide them with the call logs and voicemails so they may investigate the harassment. I clearly and unambiguously demanded C & W cease and desist from contacting my parents, myself and any other friends or relatives I have. I informed C & W I will respond to their letter dated XX/XX/2017 in writing. C & W is egregious in using harassing and deceptive scare-tactics in unethically and illegally collecting a debt. C & W disclosed personal information to an unrelated party ( telling Officer XXXX they are collecting a debt for XXXX, asking my parents to call the debt collector back when I do not live with them and have not for over a decade, and repeatedly calling when asked not too ). Moreover, this is related to a service I disputed with my credit card company. The service provider chose not to respond to the credit card dispute, I then won the dispute, and now, over 14 months later, the service provider sends me to a collection company ( Caine and Weiner ). This is the second time in my life I have had the displeasure of dealing with a debt collection company but this is unquestionably the worst and most concerning. I sincerely hope CFPB will take notice of this abhorrent behavior and use all resources and levy all punishments possible. My parents are good, loving people and do not deserve to be harassed by the awful people at Caine & Weiner.
05/02/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 32825
Web Servicemember
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX RE : Account # XXXX To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose. Best Regards, XXXX XXXX Please remove this account from my credit and do not contact me by phone only contact me by mail or by CFPB portal.
04/12/2022 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • FL
  • 33901
Web
I received a letter dated XXXX from, XXXX XXXX, from Caine & Weiner. Telling me that I owe them the sum of {$2100.00}. They do not indicate what kind of business they are, only my name has been listed with his company for collection. I immediately respond back to the letter. I wrote stating that I moved out of the property I rented at : 1 XXXX XXXX XXXX, XXXX, Georgia XXXX two years ago, and that any debt owed, according to the laws in the state of Georgia , that then property management company, XXXX, would have informed me five days after my move out date, according to Georgia law , if I did owe any monies. I let him know I never once received any correspondence from anyone until 2 years after the fact from a XXXX XXXX. I put in writing very clearly that I wanted proof of any money I owe. I requested legible receipts with company names and phone numbers with the dates on the receipts so I can verify for my self that I owe any money. I thought that seemed very fair. XXXX XXXX, sent me back the most falsified document that had been typed up 5 days prior. The first thing listed on the document is that I paid XXXX deposit. That is incorrect and I can prove that I paid {$790.00}. As I'm reading this tenant ledger I can not believe that false, made up charges that I owe to his business. When I vacated the property, it was left in the exact same manner in which I received it. I merely asked for proof of the damages he claims I owe and he refused. Not only did he operate illegally under California law, but he falsified a document to get money out of me. Even if I did owe the money, the lease agreement shows a listing of various charges the tenant is responsible for and the amounts he lists I owe are inflated by 300 %. I wrote XXXX XXXX, two times informing him that I objected his letter and a falsified document with misinformation wasn't considered proof of anything. I factually can provide proof that I paid two contractors from XXXX, Georgia ; XXXX and XXXX XXXX, to repair any damages prior to moving out. I have the original receipts, with the name, address and phone number and amounts that I paid. I informed XXXX XXXX, that if he will not provide proof of his claim then I am considering the matter closed. Two days after I received this falsified document from XXXX XXXX he reported to XXXX, that I owed this debt and reported that I owe him {$2100.00}. The amount of money some how increased. I am reporting XXXX XXXX, has not only illegally falsified documents but took it upon himself to make up his own laws and disregard the laws where he operates his business and clearly Georgia tenant laws. I am in disbelief that my civil rights were violated and that my request for receipt of damages was denied. He thinks it's okay to submit a XXXX document that looks like it was typed up by a third grader is legal, because I know otherwise. I have never seen any business ever operate with the utmost unprofessionalism and steal money from people who don't owe it. I XXXX XXXX XXXX 's business : Caine & Weiner, and I was not one bit surprised to see so many negative reviews. There were too many to count. I'm putting into question why wait two entire years to collect on a debt because the women from XXXX, are by far the meanest bullies who threaten and intimidate. Trust me XXXX is by far the greediest property management company I've ever delt with. They ran to the court house every time my rent was late. The owner XXXX, wrote me the most threatening letter. XXXX, from XXXX, would have been at the courthouse filing a lawsuit against me if I owed them money. I'm not sure who XXXX XXXX, thinks he is but I want him investigated for illegally not following procedure and falsifying documents to get money from me.
07/27/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • CA
  • 92069
Web Servicemember
I was using XXXX XXXX merchant bank to take payments. My contract term was XXXX months. I began my service with XXXX XXXX in XXXX of XXXX and emailed XXXX XXXX at XXXX that I would be canceling my account in XXXX of XXXX. I was told by XXXX XXXX that my account terms had not been met, due to an auto renewal. I was confused as I never received any communication be electronic mail ( or any other form of contact or renewal reminder notice ) that would have alerted me that this account would be auto renewing. After several attempts to get answers from XXXX I was ultimately sent an email with a contract. When I ask why I did not receive a renewal reminder notice I was ignored. I began taking money with my new merchant " XXXX '' on XX/XX/XXXX. XXXX continued to debit my bank account in XXXX, so I called my bank ( BOA ) and ask them to block XXXX from debiting my account at XXXX. I had never received ant type of bill from XXXX to explain charges. The first time I saw a bill was from XXXX. In XX/XX/XXXX I was contacted by XXXX XXXX at Caine and Weiner ( a debt collector ) with a bill for {$610.00} stating my account was only active for 26 months ( even though the bill also stated that the account was open on XX/XX/XXXX On XXXX XXXX, XXXX I emailed XXXX ( rather than phone conversation we had had in the past ) I voiced my concerns regarding the 26 months listed on the bill being incorrect and that I did fulfill the terms of the contract. Then, on XXXX XXXX XXXX XXXX sent me an email that asked me to send the email I sent to XXXX XXXX regarding the closing of my account so they could hopefully get things cleared up. I did forward the email and hoped this will end the collection process. On XX/XX/XXXX I found a negative report on my credit report from the company Caine and Weiner. I emailed them. This time a new employee took over my case named XXXX XXXX. I had XXXX emails that transpired between myself and XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. I ask XXXX to send me validation of this debit as I had fulfilled the contract of XXXX moths. I ask her to find out why the bill said I only had completed 26 months and forwarded all my prior conversations that I had with XXXX to XXXX. She responded to me with a new bill for {$760.00}. I ask her why this now was {$760.00} XXXX, wrote back that additional interest had been added by XXXX. I then told her I had not received a bill for those charges. XXXX wrote on XXXX XXXX that she would be contacting XXXX again to see if she could get more information. She said she did not know how long that would take and to please bear with her. Then she wrote again and said the extra fees are charged by XXXX and XXXX and still no bill was sent to me. On XX/XX/XXXX I wrote XXXX and ask for the collection to be deleted from my credit reports due to the fact that Caine and Weiner has not been able to get their client XXXX XXXX ) to send a debt validation letter in the span of 6 months. XXXX wrote back that she was sorry, but their client had not gotten back to us here at Caine and Weiner. I was told to move forward with a credit reporting dispute by XXXX. Then I was sent an email that told me not to contact XXXX and only communicate to Caine and Weiner. For the reasons stated above and the fact the company has not been able to get a response from XXXX to validate a debt owed to them, from XXXX ask that all the collection accounts, on all my credit reports that have been place by XXXX and/or Caine and Weiner be deleted from my credit report. I also would like to say that Caine and Weiner failed to respond to me for over 30 days. From XX/XX/XXXX to XX/XX/XXXX of XXXX. They have failed to validate the debt since XXXX of XXXX.
05/20/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • False statements or representation
  • Attempted to collect wrong amount
  • TX
  • 785XX
Web Servicemember
My name is XXXX XXXX, XXXX, and I am a former XXXX, former employee # XXXX, for XXXX XXXX located at XXXX XXXX XXXX in XXXX, XXXX. XXXX ( PH # XXXX ). I voluntarily ended my employment with this company back in XXXX XXXX, XXXX due to personal reasons and much discrimination that I experienced towards my XXXX month in working real hard and honest with XXXX XXXX. I am a XXXX from the University XXXX located XXXX as a University XXXX. Due to the many personal struggles and circumstances, I am now an experienced XXXX and I fully enjoy my career. With approximately 9 years of XXXX XXXX experienced in the XXXX States XXXX, and as a XXXX XXXX XXXX XXXX XXXX Veteran, I am deeply honored to have such a career to see my beloved USA. On XXXX XXXX, XXXX and in between the hours of XXXX and XXXX XXXX, I went ahead and relinquished all the equipment and property that was issued to me by XXXX XXXX on date of hire of XXXX XXXX, XXXX. I did in fact turn it in to XXXX XXXX XXXX, XXXX XXXX XXXX manager, his phone # is XXXX XXXX XXXX XXXX - XXXX. Also, there were several witnesses to my aforementioned actions on said date and times, such as, XXXX XXXX XXXX, XXXX Security Guard ( unknown ph # ). On XXXX XXXX, XXXX, at approx.noon time, I received a phone call from XXXX XXXX XXXX, debt collections rep. from Caine and Weiner Debt Collections Offices located at XXXX XXXX XXXX, XXXX XXXX, XXXX. XXXX, ( PH # XXXX ) stating to the fact that this was an attempt to collect a debt for their client XXXX XXXX out of XXXX. and that the amount owed " was '' for {$450.00} to be paid in full. I did ask XXXX XXXX the main reason for this debt, and she stated at the time that it was a pending charge and for " not turning - in some equipment to the company '', other than that XXXX XXXX could n't give me more details. I then contacted XXXX XXXX in an attempt to clear the matter at hand since I did in fact followed every company policy and procedures regarding the final relinquishing of company equipment upon separation. Eventually, I spoke to XXXX XXXX ( reluctant to offer her last name ), payroll dept. rep. and Human Resources rep. at corporate office XXXX. She stated that their Supply Admininstrator had reported me ( former employee # XXXX ) " as not have had turned - in my company issued equipment '', and " that I needed to contact XXXX XXXX, Supply Administrator, to update the system and to clear me ''. I then did in fact contacted XXXX XXXX XXXX, Supply Admin., and I have consequently left 'multiple messages ' in his office voicemail for the past 45 days and he has not returned my phone calls so that I may clear my name from this unjust debt collection. I have attempted to contact XXXX XXXX ( unknown last name ), HR rep. and payroll rep., once again, but to no avail. I am being given the runaround by XXXX XXXX on this matter for the past 45 days. Please allow me to say that this company is clearly demonstrating a pattern of negligent accountability, and it is depicting a behavior of bias and discriminatory practices. In addition to these injustice, XXXX XXXX seems to be ; not only neglecting its responsibility to clear my name from any unjust debt collection, but also, finding a loophole to unjustly keep my hard earned money. Like thieves, abruptly said. It is a clear case of a XXXX dollar revenue making company taking its leverage advantage of a hard labored XXXX with minimum monetary resources to take them on. Please, I now respectfully request that the Consumer Financial Protection Bureau take action on this most unjust ( injustice ) matter. I am not fully aware of my total rights as an American Consumer, but I did served my country with much HONOR and DISTINCTION
06/13/2019 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • PA
  • XXXXX
Web
Date:XX/XX/2019 From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pa XXXX XXXX : XXXX XXXX XXXX Consumer Financial Protection Bureau Federal Trade Commission Attorney Generals Office of Texas To : Caine & Weiner XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX # : XXXX / CW XXXX XXXX : Validation of Debt To Whom It May Concern please be advised that this is not a refusal to pay, but a notice that your claim is being disputed and validation is requested. As this is mentioned and listed under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. Please give a complete, accurate and thorough breakdown of the amount that is has been reported to all there of the major credit bureaus. Please list all fees of the original amount that your offices have on file. Please explain all erroneous fee that may be inaccurately reported to all three of the major credit bureaus. In your documents please include the first and last date of activity on this account to make sure that this account falls within the state of Georgia and Federal statute of limitations to report and collect the amount that is owed. Please show valid proof that Caine & Weiner is licensed and bonded and is able to collect the amount owed in all 50 United States. This is NOT a request for verification or proof of my mailing address, nor is it a request for ownership of legal rights to a debt but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I hereby order you and respectfully request that your offices provide me with accurate account details. At this time, I will also inform you that if your offices have or continue to report invalidated or inaccurate information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute as fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. 805. Communication in connection with debt collection 806. Harassment or abuse 809. Validation of debts Telephone Consumer Protection Act 47 U.S.C. 227 I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require your offices 30 days to investigate this information and during such time all collection activity and contact of all forms must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion request shall be sent to me immediately. It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. Prove that you are the original creditor, please prove beyond a reasonable doubt that you have a contract with my name agreeing to pay your company. Your company has 30 days to comply with federal consumer protection laws.
08/07/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30046
Web
XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX Caine & weiner XXXX XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX, CA XXXX ( XXXX ) XXXX RE : Account # XXXX To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose. Best Regards, XXXX XXXX
06/02/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • PA
  • 19131
Web
NOTICE AND DEMAND FOR CEASE AND To Whom It May Concern : I have asked you to validate the alleged debt that you claim that I owe, and all you have provided me are statements and signatures to an account that you can not prove is mine. You have violated my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) 15USC 1692 ( g ) - Failure to validate this alleged debt. I refuse to pay this alleged debt until the proper validation of this debt is provided. Please cease and desist all collection activities until you can properly validate this alleged debt. 15 USC 1692c ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. If proper validation of this alleged debt is not provided within 30 calendar days of receiving this notice, I will assume this alleged debt to be invalid and you shall delete this account and stop all collection activities regarding this account. Furthermore, you do not have any jurisdiction or authority to even collect on this alleged debt. FDCPA 811 [ 15 USC 1692i ] Legal actions by debt collectors ( a ) Venue Any debt collector who brings any legal action on a debt against any consumer shall -- ( 1 ) in the case of an action to enforce an interest in real property securing the consumer 's obligation, bring such action only in a judicial district or similar legal entity in which such real property is located ; or ( 2 ) in the case of an action not described in paragraph ( 1 ), bring such action only in the judicial district or similar legal entity -- ( A ) in which such consumer signed the contract sued upon ; or ( B ) in which such consumer resides at the commencement of the action. ( b ) Authorization of actions Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors. By the way, if you ever decide to turn this alleged debt over to an attorney to collect and violate my rights under the FDCPA 15USC 1692 even further, just keep in mind that an attorney can not be a debt collector and a debt collector can not be an attorney. FDCPA 807 [ 15 USC 1692 ( e ) ( 3 ) ] False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : The false representation or implication that any individual is an attorney or that any communication is from an attorney. With all that was said above, for each VIOLATION of the FDCPA that you have committed I am entitled to {$1000.00} per violation. You dont believe me? Ok, let me show you what the law says : FDCPA 813 [ 15 USC 1692k ] Civil liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of -- ( 1 ) any actual damage sustained by such person as a result of such failure. ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00}. Your Options are as follows : Delete this account and cease and desist with all collection activities. Settlement ; or We go to court and you incur lawyer fees, plus pay me {$1000.00} per violation along with more in damages.
08/23/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • PA
  • 177XX
Web
To Whom it May Concern, I am writing this letter voluntarily and of my own free will. I've discovered that my credit reports include errors, and the FCRA statute requires that they be checked by real people rather than computer programs. Speaking with people I know will serve as verification, as secondary credit reporting organizations ' information is frequently wrong. As the source of this material, I demand that it be deleted right away. 1. Offer proof of the debt, such as real accounting. 2. A signed invoice serving as proof of their claim against you. 3. A copy of the contract that binds both you and the other party ; send this letter by recorded delivery so that there is a third party to attest to its delivery. This letter is to inform you that the below referenced accounts being reported by your company on my credit reports is hereby disputed for lack of completeness and/or accuracy. I have recently opted out from all secondary credit reporting so please do not rely on them for accuracy for they should not be sharing any of my information. I recently tried to verify these accounts with the credit reporting bureaus. You have yet to provide proof other than word of mouth. Where are the documents and authorizations for these accounts? I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct a full investigation and provide me with the documents showing where these accounts originate. Please provide documented proof that I am the owner. Lastly please remove the following collection accounts and negative information from my credit reporting profile : These accounts are not mine. My credit report was accessed under false pretenses which is identity theft. I will be filing consumer complaints so that these companies are fined for the vicious and malicious practices. I will sue if necessary 15 USC 1681 requires all information to be accurate and verified. No one verified any one of the above information. My rights are being violated. I have the right to privacy and did not give anyone permission to furnish this information. No accounts can be furnished on my report without my written permission A copy of the information you send me will enable me to conduct my own investigation into the accuracy of your records and confirm that a reasonable investigation was carried out. I am also asking you to send me an explanation of the procedures you followed and a description of the records you reviewed when you conducted your investigation. I'm making use of my ability to obtain information about these issues included on my consumer credit report under Section 609 of the Fair Credit Reporting Act. I have a right to inspect the information 's origin, which is the original contract bearing my signature, in accordance with section 609. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 3 ) Duty to provide notice of dispute If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
01/12/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • MS
  • 395XX
Web
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CAINE & WEINER XXXX XXXX XXXX XXXX XXXX , CA XXXX ( XXXX ) XXXX RE : Account # XXXX To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose. Best Regards, XXXX XXXX
08/07/2019 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30518
Web
XXXX XXXX XXXX XXXX CT XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX : Account # To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a vAriginal creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX XXXX XXXX XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX XXXX XXXX XXXX } request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by XXXX. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose. Best Regards, XXXX XXXX
07/23/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Credit monitoring or identity theft protection services
  • Billing dispute for services
  • AZ
  • 85353
Web
Ok On my credit report it shows two accounts for XXXX XXXX and a whole bunch of others accounts that were opened individually under my name, now I just recently went through a divorce so I didnt payed much attention to it because ex wife just picked up and left so I got left behind with all the bills, house, car payment and utilities so in the end I had to sell the house because ex wife wanted her part ok fine so I sold it, then I knew my credit was bad didnt found out it was that bad XXXX credit score so I spent about 20k plus to bring it up to a XXXX with in 3 months, so now again slowly but surely is going down now I had to close down my business and relocate also because I couldnt afford now I have no money business is slow, and cant even afford my car payment, so I been monitoring my credit through XXXX for about 8 months now but I payed extra to have all 3 houses monitored got me a couple of secure credit cards and still is just like yea some of the accounts are gone and some just switched over names but still my total debt is XXXX XXXX dollars and now I really see that is exhausting as in theres no point on fixing my credit because someone did fraud on my credit and still are doing it, now if it wasnt because of the XXXX breach, I have accused two of my ex buddies XXXX XXXX also he was my ex employee, XXXX XXXX XXXX which he was an ex deputy and also denies of him doing fraud, I also suspect of ex girlfriend after my divorce XXXX XXXX XXXX or ex wife XXXX XXXX keep in mind XXXX worked for government so I know he knows access to programs which can reveal info or knows some of his friends, ex wife XXXX also can get a hold of sensative Info through her work because she works hand to hand with INS in a shelter home here In AZ called XXXX XXXX XXXX, and XXXX can also get info about loans and credit reports because she is a sells person for XXXX XXXX XXXX a car dealership here in AZ but what seems weird to me some how all the prove that I been gathering in the past 8 months is all some how connected with each other to all four of those people so Im praying to XXXX it wasnt them because then ive Wrongfully accuses innocent people but then if it wasnt them then who and trust me I have over 1500 pages of solid prove from wrong phone numbers to wrong addresses but they all were and still are affecting my credit which now I feel like Im drowning slowly with debt I didnt even open or had anything to do with keep in mind all of these have my SS number even though they deny it XXXX because ex wife used to pay my bills with obviously my own money, XXXX because I co signed it for a vehicle for him as a friend, XXXX because she did lived with me for about 3 months so she did what ex wife was doing and had access to my XXXX account i dont how but she did, and XXXX well I found paperwork in my desk of him trying to open up a car dearlership license throughout mi EIN now it could be all four and I have prove to prove it or it could be the XXXX data breach because why would XXXX paper on my XXXX report I dont care who it was I just want compensation, lost time, all the money that I have spent and time on credit monitoring services that theyre not just working I mean for my credit score to be at a XXXX again and me having no money to pay for my daily expenses I think is unfair and just wrong for anyone to mess and ruined someones elses life for either greed, envy, or retaliation so again thank you for hearing me out and I hope hearing back from you guys have a blessed evening
04/07/2019 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • IL
  • XXXXX
Web
CAINE & WEINER COMPANY INC XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX To Whom It May Concern : Due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose. Best Regards, XXXX XXXX
03/20/2019 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30533
Web
Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt to you. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. Please provide the following in any future correspondence to me from you : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful. Please provide the name and address of the bonding agent for Caine and Weiner in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is NOT completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information from you.
03/09/2023 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MN
  • 55044
Web
Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful. Please provide the name and address of the bonding agent for COLLECTIONAGENCY in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back. Best Regards
05/21/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Taking/threatening an illegal action
  • Sued w/o proper notification of suit
  • CA
  • 91764
Web
I opened up my XXXX about 10 years ago which consists of wiring money to different countries. and during that time one of the company 's that I did services for closed while i still owed money, after closing down I guess they sold all their accounts to a debt collector " Caine and weiner '' I never received a bill or anything of that nature. In XXXX XXXX I get a call from my bank stating that I have judgement against me for the amount {$36000.00}. I had XXXX, all of my savings, my retirement money everything I worked so hard for is gone. All of it. I was in shock I responded and went to court, I did not know how this happened without me knowing. The original debt was supposedly {$12000.00}, honestly I do n't remember but that 's what the collectors say it was. The judge gave them XXXX and me XXXX I was n't happy but at least I still had something to live off of and I thought it was over. But in XXXX XXXX they did it again the money the judge gave me back was taken. I do not understand how they can do it again after a judge gave me the money, why they can take it again. I just shut down emotionally and physically. I do n't know if who to contact or what I can do. I was a strong woman who never had obstacles in life but I do n't know how to fight this, i have perfect credit and pay everything on time ive been responsible and now at tge age of XXXX this happens to me, I can not afford to keep my buisness running, I might loose my home. They never told me whom to pay, if I would have known I would have made payment arrangements with them but these debt collectors wait years and years later to charge interest I 'm being charged XXXX A DAY every single day. In other words after everything they took I still owe them and will keep owing them forever there 's no way I can pay them off I do n't have anything more. I never got served with those court papers back in XXXX. Is n't that illegal? I just need some type of guidance, how do I get my life back. .... in XXXX a company I owed to shut down, and my bill got sent to a collection company, I did not have a clue who to pay. This never showed up on my credit report never got a bill, was never notified who to pay. In XXXX caine and weiner sued me and won because I did not show up to court, I had no idea I had court or that I was being sued. They never served me those papers. The case file says they went to my buisness address, I am not the only buisness in the building. In total there are about XXXX buisnesses running. XXXX XXXX my bank accounts are levied and I have 10 days to file a claim, I did as best as I could, we get a court date the collectors do n't even show up but I still loose XXXX of my money. In XXXX XXXX I get another levy. This time I completely broke down my daughter did the claim for me and I still loose. My daughter then tells me it never stops. That everyday that passes they 're charging me {$6.00}. I 'm living off of my credit cards now, I can not go bankrupt because I do not owe anything else. I 've have paid my taxes every year since XXXX, paid everything on time, was getting ready to retire and finally rest with my family and grandchildren. And now when I have no energy to start again from scratch everything I have worked so hard for is taken. Please let me know that this is not legal. Help me. This is the last attempt I am going to do, I need guidance. I need help. XXXX XXXX XXXX XXXX My daughter XXXX XXXX XXXX XXXX Hope to hear from you soon.
10/19/2021 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NY
  • 14215
Web
Caine & Weiner CW Acct # XXXX Amt : {$530.00} To Whom It May Concern : This unverified account is reporting negative, inaccurate, and inconsistent information to XXXX and XXXX. This debt does not belong to me, I do not owe this company and have no contractual obligation to pay them. I have tried on several different occasions over the years to dispute this account directly with Caine & Weiner, as well as with the credit bureaus. No suitable resolution has been made. This negative information is unfairly hurting my credit score and directly impacting my ability to take care of my family and reach my financial goals. I believe this account is being reported unfairly due to the following reasons : Failed to properly verify the debt. - On XX/XX/XXXX I disputed this account via XXXX online dispute system and on XX/XX/XXXX the investigation was completed and this account came back VERIFIED. -On XX/XX/XXXX I disputed this account via the XXXX phone dispute option and on XX/XX/XXXX the investigation was completed and this account came back as VERIFIED -Caine & Weiner sends me a letter dated XX/XX/XXXX stating that verification of the debt is attached. It is simply a photocopy of a bill that I could make on my laptop. There is no signature, no supporting documentation or contract from the original creditor, no paperworking indicating they purchased and have ownership of this collection account, or that I am contractually bound to pay them. They also failed to verify if they can legally collect. In XXXX, NY debt collection agencies are required to obtain a license to conduct collection activities. Discrepancies : -They are trying to collect the amount of {$530.00}, yet their " verification of the debt '' is a photocopy of a bill in the amount of {$580.00}. -As of today, XX/XX/XXXX, what is being reported to XXXX is that the account is seriously past due and there is an outstanding balance of {$530.00}. This was last updated by Caine & Weiner on XX/XX/XXXX. Although I have paid them no money, they are reporting to XXXX that the account has a XXXX balance and is paid in full. This information was last updated on XX/XX/XXXX. How are these accounts coming back as verified without proper documentation and outdated/differing information? This shows me that the credit reporting agencies are not doing their due diligence and investigation disputes properly. This is unfair damaging to the consumer. Out of frustration, I emailed them via their website on XX/XX/XXXX stating that I am not accepting responsibility or liability for this debt, but I am willing to pay them SOMETHING if they will just delete this off my report and I wanted it in writing. I wanted to be done with this headache and move on. But they were unwilling to budge. They want a lump sum payment of the full balance and in return will make a " courtesy '' deletion. How absurd! Full payment on a debt that isn't valid or accurate? Maybe it's true that the nice guys finish last because I tried to work with the credit bureaus and with Caine & Weiner on this, but I am at my wit 's end! To my understanding, it is illegal for a company to report unverified, inconsistent and inaccurate information. I am turning to the Consumer Financial Protection Bureau to bring me a just resolution to this matter and for Caine & Weiner to cease its illegal collection activities and rectify this matter immediately. Supporting documentation is attached to this submission.
04/24/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 32810
Web
To Whom It May Concern : This letter is being sent to you in response to your intent to collect a debt. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collections Practices Act, 15 USC 1692 SEC. 809 ( b ) that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgement if applicable Identify the original creditor Prove the Statue of Limitations has not expired on this account Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent At this time I will also inform you that if your offices have reported invalidated information to any of the three major Credit Bureaus ( XXXX XXXX XXXX XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletions request shall be sent to me immediately. I would also like to request in writing that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls or correspondence sent to or with and third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure that your records are in order before I am forced to take legal action. This is an attempt to correct your records, any information obtained shall be used for that purpose. Best Regards, XXXX XXXX CC : Federal Trade Commission XXXX XXXX XXXX, XXXX XXXX, DC XXXX CC : XXXX XXXX, Florida Attorney General The XXXX, XXXX XXXX XXXX, FL XXXX
06/20/2017 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • FL
  • 33712
Web
1. Caine & Weiner Company , Inc has failed to comply with Section 1692g which requires a debt collector to send a written validation notice to a consumer within five days of the collectors initial collection attempt and specifies what information the notice must contain. This section requires the notice to include statements that if the consumer disputes a debt in writing or makes a written request for the name and address of the original creditor, the collector will provide verification of the debt or the requested information. This section also requires a debt collector to cease all collection efforts if it receives a written dispute or information request until the verification or information is provided. i. This account was reported to XXXX and XXXX credit reports on or around XXXX XXXX, XXXX, to which several disputes have been filed, which have not received a response from Caine & Weiner Company, Inc 2. Caine & Weiner Company , Inc has failed to comply with Section 1692g of the FCRA that also requires the validation notice to include a statement that the debt will be assumed to be valid by the debt collector unless the consumer disputes the debt within 30 days. 3. Caine & Weiner Company , Inc has failed to comply with the FCRA statue that requires a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector. 4. Caine & Weiner Company , Inc has failed to comply with the FCRA statue that states that if a dispute is found to be frivolous or irrelevant, you must notify the consumer within five business days of receiving the dispute. This notice can be a form letter. Include the reason for the determination and, if relevant, any information the consumer needs to submit so you can investigate the disputed information. i. Caine & Weiner Company , Inc has failed to comply with the FCRA statue that states you must complete these steps within the same time allowed under the FCRA for the CRA to resolve the dispute. Normally, this is 30 days after the CRA gets the dispute from the consumer. If the consumer provides additional relevant information during the 30-day period, the CRA has 15 more days to resolve the dispute. The CRA must give you all the relevant information it gets within five business days of receipt, and must promptly give you additional relevant information provided by the consumer. If you dont investigate and respond to the notification of the dispute within the specified times, the CRA must delete the disputed information from its files. FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ) Statue FCRA 616, 617, 621 states that if you dont comply with the FCRA, you may be sued by the FTC, Consumer Financial Protection Bureau ( CFPB ), state governments, or in some cases, consumers. The FCRA provides for maximum penalties of {$3800.00} per violation in the case of lawsuits brought by the FTC. Letters were not received until after my init request for verification on XXXX XXXX, XXXX Letters weee dated XXXX XXXX, XXXX. No other verification has been provided. This company has violated several FTC laws, including contacting the consumer after a dispute and request for verification has been filed.
11/28/2017 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • PA
  • 15136
Web
To Whom It May Concern : I opened up an auto insurance policy through XXXX and it was to be termed XXXX/XXXX/XXXX due to non-payment. I was n't keeping insurance through XXXX but I called XXXX on XXXX/XXXX/XXXX asking if I can set up a payment plan to prevent collections activity and they declined. Rep advised that I can make payments to them but it will not prevent collections unless paid in full. She advised that I could set up a payment plan with the collections agency but they would n't know which agency they would send it to as of yet as they use 3 companies. She gave me the company names but advised there would be no point in calling since they wo n't have my information. Rep advised that they 'll send a final notice of cancellation before it 's sent to collections. Rep advised that the final cancellation notice would go out 20 days from XXXX/XXXX/XXXX. I received the final cancellation notice from insurance and it did n't show any collection company. I called XXXX on or around XXXX/XXXX/XXXX and was advised that the collections company still is n't in the system and that itt could take a minimum of 30 days before it would show in their system. I allowed additional time. I called XXXX again around the XXXX/XXXX/XXXX and was advised that it was sent to collections on XXXX/XXXX/XXXX but it could take 30 days to show which agency will grab the file. I called XXXX on XXXX/XXXX/XXXX & spoke to XXXX who still advised that they did n't have record of the agency as of yet. She advised that the agency will notify me once they get my account. However, I received a notification advising me that there was a change on my credit report. There was a collection file opened on XXXX/XXXX/XXXX from Caine & Weiner on my credit report. I have not received any notification from Caine & Weiner advising of my collection account or to dispute anything. I called Caine & weiner and spoke to XXXX who advised that they received the file XXXX/XXXX/XXXX ( but it was open on my report as XXXX/XXXX/XXXX ). I advised that I did n't receive any notification of the debt and that I 've been actively calling the company so that I can remain on top of it before it 's sent to be reported. I asked what is their timeframe before they 'd report it to the bureau and he advised that accounts have 60 days to pay before they would report it to the bureaus. He advised that they got a return mail ( they had an old address ). I gave my current address and asked that this be removed from my credit file to allow me to pay without it being reported and he stated that they would remove it but after I pay it in full. He advised that he could n't send me anything in writing and I would have to take his word for it. I requested a supervisor who advised me of the same information. I confirmed the information with XXXX and they have my updated contact information and advised that they sent current information to Caine & Weiner. I do n't know where Caine & Weiner got an old address from and/or why they reported with inaccurate information. They did not use information that was given to them from the XXXX. Caine & Weiner reported this to the credit bureaus without my knowledge of receipt. I was not given an option to dispute the balance and/or pay before it was sent to be reflected on my credit report. I need this removed from credit report so that I can have a fair chance to pay and/or dispute collections amount.
08/16/2021 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • GA
  • XXXXX
Web Servicemember
It should be noted On XXXX XXXX I spoke with XXXX to clear of the billing issue due - the issue was an unauthorized persons added to my insurance and resulted in an error in my billing when I closed the account. As per the instructions of XXXX, they requested I send over the signed documentation to confirm the persons were never covered on my insurance. XXXX confirmed once this document is received it would satisfy the account. I signed the requested document and emailed the document on XX/XX/XXXX at XXXX est. I initially received a letter from Caine and Weiner dated XX/XX/XXXX stating I owe a debt of {$2900.00} account number XXXX for XXXX XXXX. I sent a debt validation letter dated XX/XX/XXXX and I received confirmation via the United States Postal Service stating the certified letter arrived on Wednesday XX/XX/XXXX. In addition, I sent another debt validation letter dated XX/XX/XXXX and this letter arrived to Caine and Weiner on XX/XX/XXXX. I sent a follow-up letter dated XX/XX/XXXX demanding validation of the debt. Also, on XX/XX/XXXX and XX/XX/XXXX I sent Caine and Weiner a dispute letters for placing a hard inquiry on my credit bureau credit reports Caine and Weiner NEVER sent and validation of the debt of {$2900.00} account number XXXX. I sent several certified letters to inform them this debt was invalid, and Caine and Weiner proceeded to place the debt of {$2900.00} account number XXXX on my credit reports without any proper validation. On XX/XX/XXXX at XXXX eastern time, I called progressives billing team and spoke with XXXX in regard to the alleged debt of {$2900.00} account number XXXX. I informed him the required document was SIGNED AND EMAILED back to progressive on XX/XX/XXXX at XXXX est. After some time, JOSEPH/PROGRESSIVE CONFIRMED the document was sent, HOWEVER, the billing TEAM NEVER actioned the document and the account SHOULD HAVE NEVER been in collection and the alleged debt of {$2900.00} account number XXXX is not VALID! And yet, CAINE AND WEINER CONFIRMED THE DEBT WAS VALID REFUSED THE ITEM FROM MY CREDIT REPORTS!! I then received another letter from CAINE AND WEINER dated XX/XX/XXXX stating I owe {$1400.00} with a NEW ACCOUNT number XXXX! I again sent CAINE AND WEINER a certified debt VALIDATION letter dated XX/XX/XXXX. The letter arrived at their facility on Saturday XX/XX/XXXX. However, on XX/XX/XXXX I received an alert from my credit monitoring confirming CAINE AND WEINER placed the alleged debt {$1400.00} with ACCOUNT number XXXX on my consumer credit reports. CAINE AND WEINER AGAIN placed an collection account on my credit report this time with a different account number and a different amount BUT for the alleged EXACT SAME DEBT!! In addition, the account was placed on my credit reports WITHIN the period Im authorized BY THE FCRA to dispute an alleged debt. This company has continued to violate my rights afforded me by the FCRA and I demand these accounts be IMMEDIALTELY REMOVED FROM ALL MY CREDIT REPORTS!! I never received any validation of the debt and my investigation resulted in their details as inaccurate and thus doesnt confirm validation and THESE ACCOUNTS SHOULD HAVE NEVER BEEN ADDED TO MY CREDIT REPORTS!! CAINE AND WEINER HAS CONTINUED TO PLACE NEGATIVE INACCURATE AND NON-VALIDATED details to my credit reports Included within my complaint is verified evidence for my statement!!
05/18/2021 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NY
  • 10453
Web
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, NY XXXX Social Security # XXXX DOB : XX/XX/XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX, XXXX, XXXX XXXX and XXXX respectively. My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am U making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies. Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611. CREDITOR CONTACT INFORMATION : XXXX CAINE & WEINER XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines. Sincerely, XXXX XXXX
05/18/2021 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NY
  • 10453
Web
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, NY XXXX Social Security # XXXX DOB : XX/XX/XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX, XXXX, XXXX XXXX and XXXX respectively. My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am U making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies. Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611. CREDITOR CONTACT INFORMATION : XXXX CAINE & WEINER XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines. Sincerely, XXXX XXXX
10/15/2021 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 34243
Web
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Social Security # XXXX DOB : XX/XX/XXXX XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX, XXXX, XXXX XXXX and XXXX respectively . My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am U making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies. Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : XXXX Fair Debt Collection Practices Act : XXXX XXXX XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611. CREDITOR CONTACT INFORMATION : CAINE & WEINER COMPA XXXX XXXX XXXX XXXX, GA XXXX ACCOUNT # XXXX THIS ACCOUNT IS A DUPLICARES AS XXXX XXXX XXXX IS THE LEGITIMATE COLLECTION AGENCY. ACCORDINGLY, THIS ACCOUNT MUST BE DELETED AS A DUPLICATED COLLECTION. On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines. Sincerely, XXXX XXXX XXXX
12/04/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • GA
  • 30134
Web
I sent you document in reference to accounts listed below. You responded with a dispute letter stating verified. Expain your method of verification? Who did you speak to? Include a detailed description of what happened. As the Original Creditor, and Conusmer only I can verify debt. I also have the right to privacy. As a Consumer Reporting Agency who assumed its role. You have a grave responsibility to ensure fairness, impartiality, and respect to I, the Consumer right to privacy. According to 15 USC 1681 Permissible purposes of consumer reports ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I the Consumer never gave express permission to furnish XXXX XXXX, XXXX XXXX, nor XXXX on my Consumer Report. No consent is identity theft. I never gave written instructions to have these items reporting. Your method of verification is unfair and inaccurate and biased. You are in a violation of XXXX XXXX 1681a ( d ) ( 2 ) ( A ) ( iii ) I was never given the opportunity to deny this information being communicated in my consumer report. So, not only did you fail in the initial investigation of this information, you assumed this information was valid. According to 15 USC 1681 ( a ) ( 4 ) - You did not ensure that this information is accurate, and you did not exercise your grave responsibility with fairness and impartiality. You took one side of the story, and never consulted with me to find out if this transaction even took place. As a result of this my privacy was breached, and my consumer rights was violated. These grave errors continue to cause harm and damage to my reputation as a consumer. It also, have undermined my confidence in your company procedures, and because of this I will no longer be extending credit, and if this information is not updated and or removed, I will no longer want my information reported in your companies database. Congress also makes it perfectly clear pursuant 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) that a consumer report should NOT include transactions between the consumer and the person making the report. This alleged transaction that you are reporting, and failed to investigate, whether it factually took place, can be categorized as a transaction that took place between the consumer and the person making the report. Which means it should not be included in my consumer report, and in fact is a violation of my consumer rights. Pursuant to 15 USC 1681a ( B ) - Any authorization of a specific extension of credit or a similar device should be excluded from my consumer report. This alleged transaction that your company clearly did not investigate is categorized as a transaction that was issued from a credit card. Credit card as defined under 15 USC 1602 ( I ) means any card, plate, coupon book, or credit device existing for the purpose of obtaining money, property, or services on credit. You have consistently deprived me of my rights as a Consumer I am fed up. You have knowingly and willfully continue to break the law. Are you above the law? I, the consumer ask for you to REINVESTIGATE, and or DELETE and send me an updated copy of results
04/16/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • IL
  • 60655
Web
I would like to file a formal complaint against a business. The business is masquerading as an official United States Government business offering to file the paperwork for consumers EIN numbers for the fee of {$230.00} dollars. Their business information is as follows : Business Name : XXXX XXXX XXXX XXXX Website : XXXX Email : XXXX Phone Number : ( XXXX ) XXXX ( It should be noted that when I called this number, Colorado came up in the caller ID. ) Business Hours listed : XXXX XXXX EST On XX/XX/2020 at XXXX CST, I tried to make a purchase to this business in order to receive an EIN number. This site has you fill out the exact same forms as the official U.S. Government forms to get an EIN number. I received a fraud alert text message from my bank asking if I made the purchase. I accepted the charge thinking that the website was an official government website. The site said I would receive my number within 1-2 business days at the time of purchase. XXXX CST Somewhere within this time frame, I resubmitted my payment to the company still under the impression that it was a government website. When I did not receive an email confirming my purchase, I suspected something was dishonest about the company and realized that it is free to apply for an EIN number on the official government website and this website was masquerading as a government website. XXXX CST I called my bank and reported the charge and asked to dispute the charge. I also received the phone number of this company. XXXX CST I called the company, there was no answer. A voice mail was left leaving my contact information and stating I would like a refund since I did not realize the company was being dishonest about being a government website. Immediately afterwards, I went to the sites email contact form and filed a complaint asking for a refund. XXXX XXXX I received a text message from the company saying here is your EIN number, the service has already been rendered. XXXX pm CST I receive an email from the company stating that the service has already been rendered and here is a list of all the things your money is going towards. XXXX pm CST I replied to the email telling them I will report this to my bank if they do not offer a refund. XXXX pm CST I received an email from the company with a threat to be taken to collections because they already rendered the service. XXXX pm CST I receive a text message from the company saying I have received a refund of {$230.00}. XXXX pm CST I receive an email from the company telling me they refunded my money but they have a legal right to the money and threatened collections again. My time stamps can prove that I asked for a refund from the company before the service was rendered. In addition, the companys business hours state they are opened until XXXX EST, which would be XXXX CST. This all happened outside of their business hours. Their service, should not have been rendered immediately after I requested a refund, almost XXXX hours after the close of their business for the day. Exactly 1 week after receiving a full refund from XXXX XXXX XXXX, XXXX, I received both a phone call and an email from a representative at XXXX and XXXX stating that I owed Simple Doc Filings, XXXX {$360.00}.
09/19/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • NY
  • 11768
Web
XX/XX/XXXX - Duplicate charge on my XXXX XXXX XXXX XXXX by XXXX for {$2400.00} XX/XX/XXXX Dispute with my XXXX XXXX XXXX XXXX company and temporary charge back initiated with XXXX for ( {$2400.00} ) XX/XX/XXXX - XXXX issues a refund on the XX/XX/XXXX duplicate charge for ( {$2400.00} ) XX/XX/XXXX XXXX XXXX reverses the temporary charge back given on XX/XX/XXXX and issues a credit to XXXX for {$2400.00} As you can see from the flow of transactions, XXXX was given back the XX/XX/XXXX chargeback on XX/XX/XXXX. Furthermore, per my conversation with XXXX XXXX and their letter dated XX/XX/XXXX, it confirms that XXXX was given back the charge back on XX/XX/XXXX. Second, there is an issue with the XXXX statement, dated XX/XX/XXXX, I received from Caine-Weiner to validate the outstanding debt owed to XXXX. On XX/XX/XXXX, I was contacted by XXXX XXXX, collections at XXXX, wherein I was told my account was paid in full and she subsequently provided a XXXX statement dated XX/XX/XXXX which confirmed a $ XXXX balance to XXXX. There are some inherent issues when you compare the two statements as follows : 1. The XX/XX/XXXX XXXX statement uses a statement period of XX/XX/XXXX XX/XX/XXXX. The XX/XX/XXXX XXXX statement uses a statement period of XX/XX/XXXX XX/XX/XXXX. By using a time period that ends at XX/XX/XXXX, it does not take into account any type of activity that happened to my account after XX/XX/XXXX and accordingly does not represent an accurate balance at XX/XX/XXXX. How about providing a statement with a statement period at least XX/XX/XXXX or current? 2. When you compare the XX/XX/XXXX XXXX statement with the XX/XX/XXXX XXXX statement there is an entry dated XX/XX/XXXX in the amount of {$2400.00} which is not anywhere on the XX/XX/XXXX statementhow can that be when the statements were generated a month apart. 3. The XX/XX/XXXX entry for {$2400.00} is the one that is causing the erroneous outstanding debt to XXXX. If you look at the facts and analyze the attached documentation in support of the information provided above, you can see that there is no debt owed to XXXX. am continuing to dispute this amount that XXXX is claiming I owe. Ive enclosed the statement and letter showing that the temporary credit provided to me by XXXX XXXX was removed and the charge was placed back on my account XX/XX/XXXX. It is my understanding that per your staff, the money is owed due to claim I received two refunds. This is untrue. I received one refund from XXXX and a temporary credit from XXXX XXXX which was reversed upon completion of the file for my dispute. This means that I was charged twice, XX/XX/XXXX and XX/XX/XXXX and received one refund. I spoke with a representative at XXXX XXXX regarding my case and confirmed that the temporary credit was returned after the merchant refunded me and the money was moved off my account on XX/XX/XXXX. I was also told by XXXX XXXXXXXX that the letter I enclosed, which I had previously provided would satisfy the explanation of receiving a double credit, which I did not receive. Furthermore, I was contacted by collections at XXXX by XXXX XXXX XX/XX/XXXX and was told that I have a {$0.00} balance and was provided a statement as proof.
01/27/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • NH
  • 03431
Web Older American
I XXXX XXXX file a complaint against a debt collector that is trying to collect a debt on a close-end agreement between myself and an internet dating site known as XXXX XXXX. All sites under such a template offer a service for a fee, over a month to month basis or long term transaction. I personally electronically agreed to a six-month program, paid my fee in full for the six months, and upon a renewal end of the initial six months, I was closed out of the site. I called the site offices and I was given a temporary password to get on the site and officially cancel my subscription. This agreement between the parties ceased as soon as I was shut out of the site. The site must give a service to be entitled to a fee, and upon the non-payment and additional official termination at both time the contract was void. Several months later I receive a collection notice from a collection agency on a debt for a closed end contract that is void. This is a violation of my rights under the NH Unfair, Deceptive or Unreasonable Collection Practices Act ( XXXX ) and the federal Fair Debt Collection Practices Act. There is no access I have had since the site closed out my account. This type of collection practice is a bait and switch process by the XXXX XXXX site. The contract is close-end, which if it was an open-end agreement the services would have to be designed as an offer of extended credit. Secondly, the firm itself shows no certificate of authority to do business within the state of New Hampshire. They show that licensing is not required, but they must be registered with the Secretary of State of New Hampshire. Foreign Corporations, A Certificate of Authority, Section Section XXXX Consequences of Transacting Business Without Authority. - ( a ) A foreign corporation transacting business in this state without a certificate of authority may not maintain a proceeding in any court in this state until it obtains a certificate of authority. ( d ) A foreign corporation which transacts business in this state without a certificate of authority shall be liable to this state, for the years or parts of any years during which it transacted business in this state without a certificate of authority, in an amount equal to all fees which would have been imposed by this subdivision upon the corporation had it duly applied for and received a certificate of authority to transact business in this state as required by this subdivision and thereafter filed all required reports. The corporation shall also be liable for any penalties imposed by this subdivision for failure to pay such fees. The attorney general shall bring proceedings to recover all amounts due under the provisions of this section. ( e ) Notwithstanding XXXX ( a ) and ( b ), the failure of a foreign corporation to obtain a certificate of authority does not impair the validity of its corporate acts or prevent it from defending any proceeding in this state. Accordingly, the collection is illegal, deceptive and an outright fabrication. A call to the collection agency resulted in a non-sequitur conversation not based on the principals of state and federal collection laws. The file must be purged immediately and permanently.
02/27/2018 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • PA
  • 19120
Web
Re : Validation and Proof of Claim To Whom it May Concern : This letter is being sent to you in response to a listing on my credit report. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, ( FDCPA ) 15 USC 1692g which provides in pertinent part : ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. As you know, if you can not verify the purported debt, you must correct any erroneous reports concerning this matter. Additionally, please consider this letter as my demand that you provide : ( a ) evidence of your authorization to act in connection with this purported debt ; ( b ) your legal basis for collection of information ; ( c ) your legal basis to collect this purported debt ; ( d ) evidence that you are authorized to conduct business or operate in this state ; ( e ) proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature ; and ( f ) a complete account history, including any charges added for collection activity. You have thirty ( 30 ) days from receipt of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter. Additionally, should you fail to timely respond I will assume that you placed this item on my credit report ( s ) in error and that this matter is permanently closed. To recap : provide the required verification, or correct the record and remove this invalid debt from all sources to which you have reported it. Lastly, for the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be necessary. Finally, take note that this is a request for information only, and is not a statement, election, or waiver of status.
06/12/2017 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 75025
Web Older American
On or about XXXX XXXX, 2017 I noticed on my XXXX XXXX XXXX a processed charge from XXXX XXXX XXXX that was posted on XXXX XXXX, 2017 for {$960.00} as well as a " In Process '' charge in the amount of {$950.00} also from XXXX XXXX. Both were Internet transactions. I work for the XXXX and had been on assignment the prior week so I immediately called my wife to see if she had made these charges, she replied, " Absolutely Not ''. I then called XXXX XXXX to report these purchases as fraudulent. They took all of the information and the next day the charges were reversed. On XXXX XXXX, 2017 I received 2 notices from Caine & Weiner, a Collection Agency ( all notices as well as other documentation is attached ). The notices state that I had 30 days to dispute the validity. I called the company the next morning and spoke to a woman named " XXXX '' who informed me that the purchases were for 2 XXXX XXXX 7 Plus smart phones. 1 had been picked up at my house and signed for by someone named " XXXX '', and the other was forwarded to a XXXX facility for pickup. I have a friend who had a similar scenario and was told by the cellular company that the criminal receives the shipping updates to the phony email address and waits a couple of houses down and then walks up as if he is just getting home. Why was no ID asked for??? I advised her that there is no one at my house named XXXX as it 's just my wife and I, our sons had long been out of the house ( XXXX XXXX XXXX years of age ). She advised me to file a police report with my local police department and forward that to them with a letter of explanation, which I promptly acted on. The XXXX Texas Police Department took my report and their response is attached. I forwarded everything to them on their website as advised, XXXXXXXXXXXX, and thought that this was a completed event. I heard nothing until I received 2 more notices dated XXXX XXXX, 2017 stating the debts are still unpaid. i proceeded to mail, fax and repost to their website all of my documentation including cover letters. I have attempted over 20 telephone calls only speaking to one other female by the name of XXXX who located all my documentation and said she would forward it to her manager, XXXX. I have made numerous calls to XXXX, and their main # as well as the name on the notices, XXXX XXXX and have left voice messages begging them to call me to discuss this. NOTHING in return. Prior to the 2nd notice I noticed another charge from XXXX XXXX for {$8.00}. This time I called XXXX directly. An individual named XXXX took all of my information and agreed that this was a fraudulent purchase of XXXX XXXX done at the same time as the 2 phones. He cancelled the charge and any future charges. He asked me if my email address was, " XXXXXXXXXXXX '' to which I replied, " NO ''. The reference # for the call and fraud case is # XXXX. The confirmation for the cancellation of the service is # XXXX. I am a XXXX year old XXXX employee for the XXXX with perfect credit since I was XXXX years old, why would I perpetrate a fraud using my own card and name? This is a travesty that these people at Caine & Weiner treat me and others in this manner. Please assist me.
01/10/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • CA
  • 92882
Web
I spoke to your company before and informed you that I am in dispute with the XXXX Bill and that you needed to validate this debt but it appears you have refused so I am sending this letter to you. Be advised, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you : What the money you say I owe is for ; provide a detailed, plain and simple list ( not coded ) of any and all services or goods you claim I received a line by line itemization of charges ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent. If your offices have reported invalidated information to any of the XXXX major Credit Bureau 's ( XXXX ), said action might constitute fraud under both Federal and State Laws. If you have I demand you send me a deletion letter today until such time as this is resolved. I have my phone records to prove I have spoken to you and made this same demand verbally. This would be construed as knowingly violating the law. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices can provide the proper documentation as requested, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist including any reporting to any credit reporting agencies. Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel. This includes any information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is.I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls or correspondence sent to any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter. This is an attempt to correct your records, any information obtained shall be used for that purpose. Best Regards, XXXX XXXX
06/01/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • OH
  • 45424
Web
Subject : Cease and Desist Illegal Activity and Demand for Documentary Evidence Dear XXXX XXXX, I am writing to bring to your attention a matter of utmost concern regarding the unauthorized use of my identifying information by Caine & Weiner for the purpose of committing mail fraud and contacting me about an alleged debt. I, XXXX XXXX, hereby state that I have never given Caine & Weiner any permission to utilize my personal information in any manner, let alone engage in fraudulent activities. It has come to my attention that the assignment of a defaulted note, as per Article 9, is illegal. Consequently, both the assignee and the assigned party are liable for violations under 15 U.S. Code 1692e ( 12 ). I want to emphasize that I have not validated any alleged debt with Caine & Weiner, and any failure on my part to dispute the validity of these claims should not be construed as an admission of liability. As of XX/XX/2023, I have not received any documentary evidence, such as a trilateral contract, which grants Caine & Weiner any right to collect on the aforementioned alleged debt. Moreover, I have not received any documentation requesting validation from your organization prior to the commission of multiple violations under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). These violations include, but are not limited to, 15 U.S. Code 1692d ( 4 ), as defined by the Federal Trade Commission ( FTC ) as debt parking. Unless Caine & Weiner can provide me with evidence, such as a tracking number, demonstrating that a legitimate attempt was made to validate this alleged debt with me, the consumer, prior to its inclusion on my consumer report, I must conclude that this account has been fraudulently furnished with forethought and malice, with the intention of causing harm to my financial reputation. In accordance with 15 U.S. Code 1692c ( c ), I hereby declare my legal refusal to pay this debt. Therefore, I demand an immediate cease and desist of all illegal activity, including any communication and collection efforts related to this alleged debt, until such time that Caine & Weiner can provide sufficient documentary evidence establishing my legal obligation to pay. Failure to comply with this demand will leave me with no choice but to pursue litigation for the actual damages caused. Furthermore, Caine & Weiner may be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, as well as charges of extortion, theft by deception, securities fraud, and mail fraud. Please consider this letter as my official notification to you, XXXX XXXX XXXX, on behalf of Caine & Weiner, pursuant to UCC 1-202f. I kindly request your prompt attention and a written response addressing the concerns raised in this correspondence. I expect a timely resolution to this matter and trust that Caine & Weiner will adhere to the laws and regulations governing debt collection practices. Please provide all correspondence and documentary evidence in response to this complaint : Thank you for your immediate attention to this serious matter. Sincerely, XXXX XXXX [ Account XXXX : XXXX ]
08/20/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 33470
Web
XXXX XXXX XXXX XXXX XXXX, WA XXXXXXXXXXXX XXXXI am writing in regards to the above-referenced debt XXXX/XXXX ACC#XXXX to inform you that I am disputing this debt. Please verify the debt as required by the Fair Debt Collection Practices Act. I am disputing this debt because I do not owe it. Respond As a victim of identity theft (meaning Identity theft is a crime in which an imposter obtains key pieces of personal information, such as Social Security or driver's license numbers, in order to impersonate someone else) I have provided relevant information about my Identity Theft Report. FCRA § 605B(b), 15 U.S.C. § 1681c-2(b). Such notification by a CRA triggers two obligations for the furnisher. First, under FCRA section 623(a)(6)(A),you must not allowed the furnisher may not continue to report that information to any CRA. FCRA § 623(a)(6)(A), 15 U.S.C. § 1681s- 2(a)(6)(A). Second, under FCRA section 615(f), it may not sell or transfer that debt to anyone else who would try to collect it. FCRA § 615(f), 15 U.S.C. § 1681m(f).As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. § 1681i, a copy of which is enclosed, I am requesting that the item(s) be removed to correct the information. You have no way to ascertain the legitimacy of my action without investigating the items in question Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please contact the credit reporting agencies, inform them that the debt is disputed, and ask them to delete it from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act. Finally, please note that I do not wish to receive further telephone calls or letters concerning this debt that I do not owe to your client. The Fair Debt Collection Practices Act requires you to respect this request. See 15 U.S.C. §1692(c). Thank you for your attention to this matter• You cannot add interest or fees except those allowed by the original contract or state law. • Any attempt to collect this debt without validating it violates the FDCPA. Also be advised that I am keeping accurate records of all correspondence from you and your company, including recording all phone calls, and I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the XXXX XXXX XXXXI have disputed this debt. Therefore, until it is validated, your informationconcerning this debt is assumed to be inaccurate. Accordingly, if you havealready reported this debt to any credit-reporting agency (CRA) or Credit Bureau(CB), then you must immediately inform them of my dispute with this debt.Reporting information that you know to be inaccurate or failing to reportinformation correctly violates the Fair Credit Reporting Act § 1681s-2. Should youpursue a judgment without validating this debt, I will inform the judge and requestthat the case be dismissed based on your failure to comply with the FDCPA.XXXX, XXXX XXXXSOC SEC # XXXX-XXXX-XXXX DOB XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX, FLXX/XX/XXXX
09/01/2021 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • Used obscene, profane, or other abusive language
  • FL
  • 33056
Web
I am XXXX XXXX and I'm submitting this complaint myself and there is no third party involved. This Affidavit of Fact is Pursuant to 15 U.S. Code 1692 ( a ) ( b ) which states that The Congress has found abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. These abusive practices contribute to the invasions of individual privacy among other things which you CAINE & WEINER are in violation as I never gave you my information directly ; I a consumer in fact, agree with The Congress to eliminate abusive debt collection practices by debt collectors, and to promote consistent state action to protect consumers like me against debt collection abuses which you are attempting to do Pursuant to 15 U.S. Code 1692 ( e ) ; Take Notice that Pursuant to 15 U.S. Code 1692a ( 2 ) the term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium and in this specific case you CAINE & WEINER used email, postal service etc. to communicate indirectly with me a consumer who is defined Pursuant to 15 U.S. Code 1692a ( 3 ) as any natural person allegedly obligated to pay any debt ; Take further notice that I am the true creditor Pursuant to 15 U.S. Code 1692a ( 4 ) which clearly states that a creditor is any person who extends credit creating a debt therefore I a consumer created the debt via my extension of credit to CAINE & WEINER ; You CAINE & WEINER shall also know that the term debt defined under 15 U.S. Code 1692a ( 5 ) comprehensively states that it means any alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance, or services which are the subject of the transaction are primarily for personal, family, or household purposes ; Notice that you are defined as a debt collector Pursuant to 15 U.S. Code 1692 ( 6 ) which states that a debt collector is any person who uses any instrumentality of interstate commerce via mail and is engaged in the principal purpose of collecting debt which you are attempting to do by communicating with me without my prior consent in direct violation of 15 U.S. Code 1692c ( a ) ( 1 ) ; You CAINE & WEINER are also in violation of 15 U.S. Code 1692b ( 2 ) which states that you may not state that I a consumer owes any debt. Furthermore, you have attempted to communicate with me on multiple occasion which is a violation of 15 U.S. Code 1692b ( 3 ) ; You are also in violation of 15 U.S. Code 1692e ( 2 ) ( A ) by giving false representation of the amount of debt allegedly owed and the false representation or deceptive means to attempt to collect any debt Pursuant to 15 U.S. Code 1692e ( 10 ) ; Take further notice that Pursuant to 15 U.S. Code 1692e ( 9 ) articulates that the use or distribution of any written communication which creates a false impression as to its source, authorization, or approval as you CAINE & WEINER is stating that someone other than me a consumer in fact, is the creditor when I am the creditor Pursuant to 15 U.S. Code 1692a ( 4 ) ;
05/23/2023 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • NY
  • 12866
Web
Subject : Complaint against XXXX for repeated refusal to honor a cancellation request Dear Sir/Madam, I am writing to file a formal complaint against XXXX regarding their consistent refusal to honor my request to cancel services since 2019. Despite numerous attempts to terminate the agreement and cease their services, I have encountered significant obstacles and experienced undue hardship in dealing with their customer service representatives. To provide some context, I initially engaged XXXX XXXX services in [ year ] for [ reason ]. Unfortunately, due to a change in circumstances, I found it necessary to cancel their services and discontinue my association with the company. On [ date ], I first submitted a formal cancellation request to XXXX, clearly expressing my desire to terminate the agreement. Since that time, I have made multiple subsequent attempts to cancel my services with XXXX through various channels, including phone calls, emails, and online support. However, each time, I have been met with resistance, misinformation, and a complete lack of cooperation on their part. I have been subjected to long waiting times, unhelpful customer service representatives, and a disregard for my repeated requests to cancel the services. Despite providing all the necessary information and documentation, XXXX has failed to take any action in response to my cancellation requests. Furthermore, I have received multiple billing statements and invoices from XXXX for services that I explicitly requested to be terminated. These continued charges are not only frustrating but also represent a clear violation of my rights as a consumer. I would like to emphasize that I have made every effort to resolve this matter directly with XXXX, but their ongoing refusal to address my concerns has left me with no choice but to seek assistance from the Consumer Financial Protection Bureau. It is my hope that your intervention can help rectify this situation and ensure that XXXX upholds their obligations under consumer protection laws. In light of the aforementioned circumstances, I kindly request the following actions from the Consumer Financial Protection Bureau : 1. Investigate the repeated refusal of XXXX to honor my cancellation requests. 2. Require XXXX to promptly terminate the services in question and cease any further charges. 3. Impose appropriate penalties and sanctions on XXXX for their non-compliance with consumer protection laws. 4. Provide me with guidance on how to proceed further and protect my rights as a consumer. I have enclosed copies of all relevant documentation, including my cancellation requests, correspondence with XXXX, and billing statements, as evidence to support my complaint. I appreciate your attention to this matter and I trust that the Consumer Financial Protection Bureau will take appropriate action to address this ongoing issue. I look forward to a timely resolution and a favorable outcome. Thank you for your assistance in this regard. Sincerely, XXXX XXXX
09/13/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NV
  • 89119
Web
I XXXX XXXX, I'm writing to put on notice the company Caine and Weiner concerning the alleged debt that is not owed. This company is listed on my XXXX and XXXX consumer reports. I learned of this alleged debt in XXXX of XXXX, by requesting my consumer reports from XXXX and XXXX. Caine and Weiner is listed there as a debt collector with the original creditor being Progressive insurance. On XX/XX/2022, I proceeded to send a debt validation letter pursuant to 15 USC 1692g. On XX/XX/2022, Caine and Weiner responded to my request pursuant to 15 USC 1692g. This letter does not validate the debt. The letter does not show any evidence of the debt owed to the original creditor Progressive. Caine and Weiner did not supply me with a purchase agreement from Progressive validating that this debt was ever owed and they now have obtained ownership to collect this alleged debt. In Caine and Weiner 's last correspondence with me, they violated 15 USC 1692f ( 8 ) Unfair Practices. Pursuant to this subchapter, a debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 8 ) Using any language or symbol, other than the debt collectors address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business. For all violations listed in this complaint, I will give photos of all correspondences between myself, and Caine and Weiner. Because they did not properly validate the debt showing any purchase agreement between Progressive insurance and Caine and Weiner of this alleged debt, I have factual evidence, which gives reason to believe that they are also in violation of 18 USC 1028 Fraud and related activity in connection with identification documents, authentication features, and information. Most insurance information in regards to a consumer disclosure report is located on the secondary credit reporting agency, XXXX XXXX. Caine and Weiner did not properly validate the alleged debt to show ownership to collect, so they are in fact in violation of 18 USC 1028. Also pursuant to 15 USC 1681b Permissible Purpose, there is no factual evidence showing any verbal, or written consent was given to Caine and Weiner to obtain any information listed on XXXX. So in closing they have no legal right obtained from Progressive insurance to collect on this alleged debt and have violated congressional laws under identity theft, the FDCPA, and also did not obtain any verbal or written permissible purpose to obtain a consumer report from any consumer reporting agency about me XXXX XXXX. I would like to request equitable remedy for Caine and Weiner, to delete this alleged erroneous debt from my consumer report on XXXX and XXXX immediately.
05/28/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30324
Web
As I have not heard back from you in over 60 days, regarding my demand for proof, since my notice of my dispute and you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. In a good faith effort to resolve this matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : 1 ) Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2 ) What is your authorization of law for your collection of information? 3 ) What is your authorization of law for your collection of this alleged debt? 4 ) Please evidence your authorization to do business or operate in the state. 5 ) Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. You have XXXX days of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter ( s ) in error, and that this matter is permanently closed. Your continued silence is unacceptable. Either provide the proof or correct the record to remove the invalid debt from my credit files with the three-primary credit-reporting agencies. You are currently in violation of the Fair Credit Reporting Act and the Fair Debt Collection Act. Failure to respond within 15 days of this letter will begin my small claims action against your company. I will be seeking {$5000.00} in damages for the following : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act After obtaining the judgment against your company, I will obtain a Writ of Execution from the Sheriffs office in your county and I will begin the process of attaching property or funds to satisfy the judgment. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status
09/06/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • NJ
  • 07728
Web
I'm writing to warn the Consumer Financial Protection Bureau about a collections agency that is mistreating me and not following the correct channels of communication when appearing on my credit report. Please look into my matter at the CFPB office. Without ever informing me, this account CAINE WEINER XXXX amount {$130.00} suddenly appeared on my credit record. There was no phone call or written letter to me, so I can't let them know they've got the incorrect person.They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company and I Right now I am getting an alert on my XXXX XXXX and credit monitoring service saying my credit score has dropped tremendously. I can furnish the images of this alert showing the collections company. They are hurting me financially and this is a really big issue. To my understanding they must be compliant with laws and regulations that say they must write the consumer within days of the first communication. They are using my credit to communicate with me yet they NEVER wrote me before.If they don't write me then how could send me a right to dispute or explain my rights? Please review the original paperwork for this account. I request they send me a copy of this information to my address. I also request the original contract signed showing my signature long with all other pages of the original agreement. I am suffering damages because of this error. I have been a victim of ID theft before and I monitor my financial affairs very closely.To me this seems like an instance of debt parking that I read about on the FTC website. The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as DEBT PARKING.The Federal Trade Commission recently took action against a Missouri collection company and its owners, alleging that they collected more than {$24.00} XXXX from consumers, largely by placing bogus or highly questionable debts on their credit reports. The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX XXXX director of the F.T.C.s bureau of consumer protection , said in prepared remarks about the agencys settlement with the company, CAINE WEINER XXXX I DO NOT DO BUSINESS WITH THIS COMPANY, AND I AM CONCERNED THAT THEY MAY HAVE ACQUIRED MY INFORMATION UNETHICALLY AND MAY BE BEHAVIOR UNETHICAL IN THEIR DEBT COLLECTION. Consumers are shielded from these unlawful conduct by a legal process. My credit score is being negatively impacted by this account, therefore if I'm turned down for anything, I'll speak with a fdcpa lawyer to seek financial relief.
06/29/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • GA
  • 30046
Web Servicemember
I, XXXX XXXX, as a consumer, living man and XXXX of the People mentioned in the Constitution for the United States of America, am aware of all my reserved rights, protected by the Constitution for the United States of America, all state constitutions, and by Congress under the Fair Credit Reporting Act ( FCRA ). Pursuant to 15 U.S. Code 1681a ( b ), " the term 'person ' means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. Pursuant to FCRA/15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ), a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Pursuant to FCRA/15 U.S. Code 1681s-2 ( a ) ( 1 ) ( B ), A person shall not furnish information relating to a consumer to any consumer reporting agency if -- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. Pursuant to FCRA Section 602 ( a ) /15 USC 1681 states that I have a right to privacy. Pursuant to FCRA Section 604 ( a ) /15 USC 1681b states that a consumer reporting agency can not furnish an account without my written instructions. Pursuant to Fair Debt Collection Practices Act ( FDCPA ) Section 804/15 U.S. Code 1692b, " any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall -- ... ( 2 ) not state that such consumer owes any debt ; and ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. The FDCPA Section 803 ( 6 ) /15 U.S. Code 1692a defined debt collector/person, CAINE & WEINER COMPANY INC does not have my written instruction to furnish any alleged debt on my consumer reports, especially XXXX that is hearsay evidence, nor any of my personal information disclosed or my alleged involvement with the alleged debt by another person ( Progressive ). CAINE & WEINER COMPANY INC must adhere to a consumer 's right to privacy. With the aforementioned violations and the FDCPA violations listed on the attached markup presentment dated XX/XX/XXXX. Account Name : CAINE & WEINER COMPANY INC, Account Number : xxxxxx XXXX has violated my rights multiple times and for years now. Pursuant to 28 U.S. Code 1746, I, XXXX XXXX, verify under penalty of perjury under the United States of America that the foregoing is true and correct. Executed this day XX/XX/XXXX. XXXX XXXX XXXX
12/08/2017 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • NY
  • 14213
Web
CAINE & WEINER Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX ( XXXX ) XXXX This company has been reporting to the credit bureaus stating I owe a debt all while not only being unlicensed to do so in NYS but in the City of XXXX as well. The Federal Fair Debt Collection Practices Act ( FDCPA ) regulates both debt collectors who contact you on behalf of your creditor and debt collectors who contact you because they have purchased your defaulted account from the original creditor ( or another debt collector ) and are now trying to collect from you. Law firms who regularly work on debt collection actions are also governed by the FDCPA. In addition, all debt collectors operating in New York, whether acting on behalf of a third party or on behalf of themselves, are required to follow New York State law ( Article 29-H of the General Business Law ) governing debt collection practices. Businesses whose principal purpose is to regularly collect or to attempt to collect personal or household debts from XXXX XXXX XXXX residents must also have a Debt Collection Agency license no matter where the agency is located, including outside of New York State. This licensing requirement includes : Attorneys and law firms who regularly engage in activities traditionally performed by debt collectorsDebt buyers, businesses that buy debt and then try to collect money directly or through the services of another This description is only a general explanation of which businesses need to have a Debt Collection Agency license. You may refer to XXXX XXXX XXXX Administrative Code Section 20-489 for a complete description. Plus XXXX XXXX XXXX and XXXX both require licenses and that the license number be disclosed on all communications with consumers. XXXX, NY 140-1License required. " No person, firm or corporation shall collect, advertise to collect, attempt to collect or hold himself or itself out as able or willing to collect, for hire or remuneration in any form, any bill, debt, demand, sum of money or other thing of value due or claimed to be due or owing to any other person, firm or corporation or conduct the business commonly known as a " collection agency '' without first having obtained a license so to do as hereinafter set forth, provided, however, that the provisions of this chapter shall not apply to an attorney at law engaged in the practice of his profession ; to any banker, bank or banking institution acting within the limits of his or its authority as prescribed by law ; nor to any person, group of persons, firm or corporation engaged in the collection only of debts, demands, sums of money or things of value which are the exclusive property of the person, group of persons, firm or corporation attempting to make such collection. ''
05/24/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NY
  • 114XX
Web
This collection is not accurate or can be validated. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the alleged debt. I ask that you provide me with a copy of all the following : 1 ) An explanation of what this alleged account balance is for. 2 ) A complete Audit Trail calculation of this balance, including the complete payment history on this account 3 ) Documentation that shows I agreed to pay this debt with my signature and documentation shows I gave you permission to have my information and paperwork showing I gave you authorization to report this to my credit report. No consent to you having my information and unauthorized use of my social security number is identity theft and you will be reported for such. 4 ) The Agreement that grants you authority to collect on this alleged debt. 5 ) A copy of your state license, including license number that give you rights to collect in my state. 6. ( The purchase agreement showing where you purchased my personal information without my consent which is fraud because you are unknown to me I never did business with you ) 7. ( Senior Executive from your office to Swear under penalty of perjury this corporation were present during the alleged debt you nor I can validate this because neither of us was present ) 8. ( The Original Promissory Note on this Alleged Debt ) Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act and FDCPA. Also, you have committed the following FDCPA Violations you are sending deceptive forms making false belief that I owe you. 15 U.S. Code 1692j - Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection or to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. I am not participating in the collection of this alleged debt. Stop contacting me about this or any other matter you have. cease and desist ASAP and delete this account from my credit reports, except to provide me with accurate validation of this debt by U.S. mail ONLY I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and The XXXX XXXX XXXX to have confirmation of proof. You have 15 days from the date of this letter to respond with all items requested and I demand this item be removed immediately from all credit reporting agencies and 3rd parties or I will seek l Monetary compensation damages for the violations you already committed.
08/05/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • 30127
Web
Hello, my name is XXXX XXXX. I am writing this complaint in my capacity as a federally protected consumer to formally lodge a complaint against Caine & Weiner regarding their collection practices related to account number XXXX. I wish to bring to your attention the abusive, deceptive, and unfair tactics that have been employed in the process of collecting extensions of credit. It has come to my attention that there might be a conspiracy between Caine & Weiner and certain consumer reporting agencies to restrain trade and commerce through unjust practices. These actions have raised concerns about potential racketeering activities involving this debt collection agency. At no point have I granted authorization for Caine & Weiner to possess my nonpublic personal information. Furthermore, I disavow any purported agreement or contract between myself, the consumer, and the original creditor, whether explicitly stated or implied. I must emphasize that the account in question is a result of a billing error. I am deeply troubled by the tactics employed by Caine & Weiner, which appear to be in violation of the False Claims Act. These practices are not only jeopardizing my consumer credit reputation with other financial institutions but are also raising concerns about the legitimacy of the alleged debt that has been presented to coerce payment. It is important to note that any payments made or contemplated in the future are solely due to the undue influence, threat, duress, and coercion that have been applied. As stipulated in XXXX XXXX XXXX XXXX ( c ), I am asserting my legal right to refuse payment of this debt. I hereby demand an immediate cease and desist of all illegal activities, communication, and collection endeavors associated with this and any alleged debts until such time as Caine & Weiner can provide sufficient documented evidence that I bear a legitimate legal obligation to remit payment. Should this evidence be unavailable and Caine & Weiner persists in their collection efforts, I am prepared to initiate legal proceedings to seek reparations for the actual damages incurred. This letter serves as a formal notice of my intentions. Caine & Weiner 's actions may potentially lead to litigation for violations of various acts, including but not limited to the TILA, FCRA, GLBA, CFPA, the Sherman Antitrust Act, Robinson-Patman Act, Clayton Act , FTC Act, and RICO Act. I anticipate your prompt attention and a timely response to this matter. Please be aware that your cooperation is not only requested but also legally required, as outlined in accordance with UCC 1-202f. I look forward to receiving the appropriate documentary evidence and resolution to this dispute. Sincerely, XXXX XXXX
05/12/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 90025
Web
Upon further investigation, I have retained new copies of my credit reports, and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute, which you signed for on. I have retained a copy of your signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act. I further remind you that you may be liable for your willful non-compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. ( B ) Time of Notice ( B.I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or in-action ) on your behalf will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally defend yourself. My contact information is as follows :
02/25/2019 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • CA
  • 91302
Web
This complaint concerns Caine & Weiner Company , Inc. ( hereinafter " C & W '' ) located at XXXX XXXX XXXX, 4th Floor, XXXX XXXX, CA XXXX, telephone number ( XXXX ) XXXX. On XX/XX/2019, C & W violated 15 U.S.C. 1692 ( f ) ( 1 ), also known as 808 of the Fair Debt Collection Practices Act, which states that " [ a ] debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt ... the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. '' The circumstances of this violation are as follows : a ) on XX/XX/2019, I, the reporter and consumer, called C & W to settle an account it had reported to the credit bureaus under my name, and which it claimed was an amount owed by me. The original creditor was XXXX XXXX, and the alleged original debt amount was {$490.00}. I offered to pay the account in full conditioned by the guarantee that C & W would delete the account permanently and completely from my credit reports. C & W agreed. I provided my credit card number to C & W. C & W, prior to charging my card for the amount allegedly owed, insisted to me that there was a " {$12.00} convenience fee '' that I had to remit in order to make my payment. C & W claimed that I was required to pay {$500.00} to settle the account. C & W had previously refused to provide any verification or accounting of the amount I owed. C & W did not provide any evidence that state law permitted a {$12.00} " convenience fee '' or that the original creditor 's agreement with me provided for a {$12.00} " convenience fee ''. In fact, the original creditor 's claimed amount owing of {$490.00} already included a {$5.00} " installment fee '', and the amount had long since been solidified by C & W and the original credit as the final amount due and owing - and this amount is the amount C & W reported to the credit bureaus. C & W 's insistence that I pay an amount in excess of this amount is a clear and flagrant violation of the FDCPA, and I suspect that C & W is committing this violation with most, if not all, of its other accounts on which it is collecting from consumers. This deceptive and highly illegal practice must cease at once. Finally, C & W refused to issue a receipt or confirmation of my payment to me in writing, whether electronically, via mail, or otherwise. C & W issued a " payment confirmation number '' to me, which it asserted was : XXXX. Thank you.
11/30/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • PA
  • 19119
Web
Cease & Desist : In accordance with the Fair Credit Reporting Act, this company has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 15 U.S.C. 1681 Section 604 A. Section 2 : It also states a consumer-reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer-reporting agency may make any consumer report containing the following information items. Any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years. This complaint is due to the Consumer Credit Transaction with this companys financial institution executed by way of signing an Agreement ( Document ). As per 15 USC 6827 ( 3 ) the term document means any information in any form. I demand this company CEASE and DESIST from disclosing my nonpublic personal information to all nonaffiliated third parties, which includes, XXXX XXXX XXXX XXXX The Provisions of 15 USC 6801 ( a ) state, It is the policy of the congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. Please be advised that I have not given this company the permission to share my nonpublic personal information. However, I ask this company that if there is a nondisclosure clause in the contract/agreement giving that option to share my nonpublic personal information I ask this company where I can opt out of their sharing of my nonpublic personal information. 15 USC 6802 ( B ) 1b the consumer is given the opportunity, before the time that before such information is initially disclosed, to direct that such information not to be disclosed to such third party. 15 USC 6802 ( B ) 1c the consumer is given an explanation of how the consumer can exercise that non-disclosure option. In the above-mentioned Consumer Credit Transaction , without giving me the opportunity to opt out, this company furnished my nonpublic personal information to nonaffiliated third parties ( i.e., XXXX, XXXX, and XXXX ). With that said, this company has not only infringed on my rights to privacy but also violated multiple federal laws. I with this request that this company removes the above-mentioned information from my consumer credit report. If they accept my request, I will not escalate this matter to a federal complaint. Thank you for your attention to this matter.
06/28/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • NJ
  • 07206
Web
I have contacted Caine and Weiner on XX/XX/2021 to dispute this erroneous debt that was placed on my credit reports in error. I am seeking remedy for the violations listed below. I will also Include physical documents that were mailed to Caine & Weiner on XX/XX/2021. 1. Affidavit of Truth 2. Notice to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX, and I have been appointed and accept being the executor booth public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX, XXXX and autograph as the agent, attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, now present : 3. Fact, the Fair Debt Collection Practices Act is intended to secure my right to privacy and my privacy has been breached so be it, and ; 4. Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of alleged information listed on your site in order to avoid me receiving further injury, damages, and mental anguish, and losses due to me being a victim of identity theft, so be it, and ; Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that ( CAINE & WEINER ) is in violation of 15 USC 1692b. ( 5 ) and 15 USC 1692b. ( 2 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit B that ( CAINE & WEINER ) is in violation of 15 USC 1692b ( 5 ) and 15 USC 1692b. ( 2 ) Thank you, 5. I swear to all information provided herein, I do so under the penalty of perjury that the information I so affirm to be true, correct, accurate to the best of my ability and knowledge, so be it ; I do not accept this offer to contract. I do not consent to these proceedings. I do require subrogation of the bond to settle the charge. On the date of XX/XX/2021 XXXX XXXX, agent, d/b/a XXXX XXXX came before me today present as a flesh and blood living being ( non entity/ non debtor ) under oath to the most high of creation only and provided the facts listed therein.
12/20/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • PA
  • 19132
Web
I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct a full investigation and provide me with the documents showing where these accounts originate. Please provide documented proof that I am the owner. Lastly please remove the following collection accounts and negative information from my credit reporting profile : These accounts are not mine. My credit report was accessed under false pretenses which is identity theft. I will be filing consumer complaints so that these companies are fined for the vicious and malicious practices. I will sue if necessary CAINE AND WEINER IS NOT LICENSED IN MY STATE 15 USC 1681 requires all information to be accurate and verified. No one verified any one of the above information. My rights are being violated. I have the right to privacy and did not give anyone permission to furnish this information. No accounts can be furnished on my report without my written permission A copy of the information you send me will enable me to conduct my own investigation into the accuracy of your records and confirm that a reasonable investigation was carried out. I am also asking you to send me an explanation of the procedures you followed and a description of the records you reviewed when you conducted your investigation. I'm making use of my ability to obtain information about these issues included on my consumer credit report under Section 609 of the Fair Credit Reporting Act. I have a right to inspect the information 's origin, which is the original contract bearing my signature, in accordance with section 609. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( XXXX ) Duty to provide notice of dispute If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. I have send certified letters to Cain & Weiner multiple times also credit agencies trans, XXXX, XXXX on XX/XX/2022, XXXX, XX/XX/2022, XX/XX/2022
01/02/2022 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NV
  • 89106
Web
Dear CAINE WEINER In regards to the accounts from Progressive, it has been brought to my attention that you claim that I owe {$650.00}. While I accept no responsibility for ownership of this debt, Im willing to compromise and offer a full payment settlement amount in exchange for your agreement to the following : Your agreement to the full and complete deletion of any past-due references pertaining to this account from all credit bureaus to which you report. Your agreement that this payment constitutes a paid in full account, and not a paid collection or settled account. Your agreement that you will not attempt to sell or reassign the rights to this account to another third-party debt collection agency after payment has been received. While Im well aware that your purpose is to collect debts that you have obtained from original creditors, I am also aware that you are under no obligation to report any of these accounts to the credit bureaus. That being said, your full cooperation in deleting this account in exchange for payment is appreciated. When I receive signed documentation from your authorized representative on company letterhead stating that you agree to the terms above, I agree to pay {$650.00} via certified funds either over the phone via debit/credit or e-check, cashiers check or money order. If money order or cashiers check is chosen as the option, the payment will be sent to you via priority mail as soon as I receive the signed agreement. Please be aware, that this is not a renewed promise to pay. I make no claim of responsibility for this debt, and I make no statement that I believe that this debt is valid or owed by me. In the event that you do not agree with the resolution terms I have offered above, I will move forward with my rights to request a full and complete verification and validation of this debt. I am also requesting that you comply with Section 809 of the Fair Debt Collection Practices Act and send me verification and validation as well all documentation proving that I owe this debt ; and a copy of your license to practice debt collection in my state. Additionally, I am also requesting that you send a copy of this letter to the original creditor notifying them that I dispute this debt so that they can not report it as delinquent on my credit report. Likewise, if you have reported this debt to any credit bureau, I request that you also report to them that I dispute owing the debt. I look forward to a timely resolution of this matter. Regards, XXXX XXXX
09/02/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • GA
  • 30060
Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX XXXX CAINE & WEINER ( XXXX ) XXXX XXXX XXXX ; XXXX ; XXXX ( XXXX ) CAINE & WEINER COMPANY INC. ( XXXX ) XXXX XXXX XXXX XXXX XXXX, CA XXXX Contact : XXXX or XXXX Dear Sir or Madam : I am writing to dispute the following information in my credit report file. As of XXXX. XXXX. XXXX it is still displayed on all three of my credit report files. Attached you will see the discrepancies the items I dispute on the attached copy of the report I received.The information on CAINE & WEINER with a balance of {$490.00} is inaccurate because I've been contacted by your company about a debt you allege I owe several times. I am instructing you not to contact me any further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately. Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate. This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. This rule is effective XX/XX/2021. Please reinvestigate this matter and delete the disputed item as soon as possible. Sincerely, XXXX XXXX XXXX, Thank you
09/02/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • GA
  • 30060
Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX XXXX CAINE & WEINER ( XXXX ) XXXX XXXX XXXX ; XXXX ; XXXX ( XXXX ) CAINE & WEINER COMPANY INC. ( XXXX ) XXXX XXXX XXXX XXXX XXXX, CA XXXX Contact : XXXX or XXXX Dear Sir or Madam : I am writing to dispute the following information in my credit report file. As of XXXX. XXXX. XXXX it is still displayed on all three of my credit report files. Attached you will see the discrepancies the items I dispute on the attached copy of the report I received.The information on CAINE & WEINER with a balance of {$490.00} is inaccurate because I've been contacted by your company about a debt you allege I owe several times. I am instructing you not to contact me any further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately. Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate. This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. This rule is effective XX/XX/2021. Please reinvestigate this matter and delete the disputed item as soon as possible. Sincerely, XXXX XXXX XXXX, Thank you
11/14/2022 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • DE
  • 19802
Web
XXXX and Caine Weiner is engaging in unlawful extortion means by knowingly furnishing false and misleading information while having reasonable cause to believe the information is inaccurate. This was done to coerce me into making a payment on an alleged debt without proof of claim. I DID NOT and I DO NOT consent to any negative information being disclosed to nonaffiliated third parties without my lawful authority. XXXX, Caine Weiner and the consumer reporting agencies involved have used my nonpublic personal information without my lawful authority to bring harm to me and my financial reputation which violates 18 USC 1962 ( c ). XXXX transferred the account in reference without lawful authority to Caine Weiner which is a violation of code 18 USC 1028 ( a ) ( 2 ). Caine Weiner obtained my nonpublic personal information by illegal means and with ill intent. I failed to dispute the validity of the debt within the prescribed time period therefore resulted in unlawfully furnishing the debt to my consumer report which violates 15 USC 1692g ( c ). Furthermore I have never conducted business with Caine Weiner and I have not benefited from this transaction which is also a violation. According to 15 USC 1602 ( p ) Caine Weiner does not have actual authority for such use of my credit card defined under 15 1602 ( l ) and I received no benefit from this unlawful transaction. Without lawful authority, by using means of my identification Caine Weiner is committing aggravated identity theft and attempting to collect on this account by extortionate means pursuant to 18 USC 894. I would like to inform Caine Weiner that this debt is not valid and my failure to dispute the validity of the debt will not amount to an admission of liability under code 15 USC 1692g ( c ). I have attempted to rectify this matter multiple times but due to the mutually beneficially business relationship Caine Weiner has with the consumer reporting agencies, I have reason to believe they are engaging in racketeering activity. Multiple verified responses has proven that the consumer reporting agencies arent being impartial when it comes to respecting my right to privacy. Their conspiracy against my rights is affecting my ability to operate in commerce. This is a violation of 15 U.S. Code 1. I am requesting notice of the amount of the alleged debt and the name of the original creditor 15 USC 1692g because I have not received notice containing the pertinent facts of this transaction which is a violation of 15 USC 1602 ( k ).
01/26/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TN
  • 37013
Web Servicemember
This company continually fails to comply ( acct XXXX ). XXXX ) I have requested a copy of this companys TENNESSEE COLLECTION SERVICE LICENSE. The Tennessee Collection Service Board licenses and regulates collection agencies ( attached ). Tennessee Collection Service Act 62-20-105 -License requirement ( a ) No person/business shall commence, conduct or operate any collection service business in my state unless the business holds a valid collection service license issued by the board under this chapter-UNLICENSED ACTIVITY. In addition,15 USC 1681 ( a ) ( 4 ) -I have the right to privacy. 15 USC 1681b ( a ) 2 -states that a consumer reporting agency can not furnish a credit report without written consent from the consumer. Under 15 U.S. Code 1681c ( a ) ( 5 ) -states that no consumer reporting agency may make any consumer report containing the following items of information ... Any other adverse information, other than records of conviction of crimes which antedates the report by more than 7 years. Ive also requested : 2.A complete Audit Trail calculation of this balance, including the complete payment history on account, so I have proof the debt amount is correct.3.Documentation that shows I agreed to pay you this debt with signature and which shows I gave you permission to have my information and paperwork showing I gave you authorization to report this to my credit report. No consent to having my information and unauthorized use of my social security number is identity theft and will be reported for such.4.The Agreement that grants you authority to collect on this alleged debt.5.The purchase agreement showing where you purchased my personal information without my consent which is fraud because you are unknown to me I never did business with you 6.Senior Executive from your office to Swear under penalty of perjury this corporation was present during the alleged debt 7.The Original Promissory Note on this Alleged Debt. Multiple FDCPA violations. Sending deceptive forms, false & misleading representations, validation of debts, unfair practices. This will now be investigated by the FTC, CFPB, Tennessee Collection Service Board, and AG. Please, no adverse actions against me, and no reinsertions. I have to proceed with legal action for violations ALREADY committed if this collection is not closed and removed from my credit reports immediately. Attached : 1 ) Full Dispute 2 ) FDCPA violations 3 ) Tennessee Collection Service Act 4 ) Credit Report 5 ) FTC Report
06/21/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • PA
  • 19119
Web
CEASE AND DESIT VOLENTI NON FIT INJURIA to a willing person, it is not a wrong CAINE & WEINER this is a written request for you to cease and desist all forms communication with me effective immediately. 12 CFR 1006.6 ( c ) ( 1 ) ( c ) Communications with a consumerafter refusal to pay or cease communication notice ( 1 ) Prohibition. Except as provided in paragraph ( c ) ( 2 ) of this section, if a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wants the debt collector to cease further communication with the consumer, the debt collector must not communicate or attempt to communicate further with the consumer with respect to such debt. 15 USC 1692 ( c ) c ( c ) Ceasing communicationIf a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumerwith respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. If such notice from the consumer is made by mail, notification shall be complete upon receipt. Furthermore you have no jurisdiction or authority to collect on this allege debt. ( b ) Authorization of actions Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors. volenti non fit injuria Volenti non fit injuria is Latin for to a willing person, it is not a wrong. This legal maxim holds that a person who knowingly and voluntarily risks danger can not recover for any resulting injury. This principle is the common-law basis for the assumption of the risk doctrine. You CAINE & WEINER knowingly and willingly purchased or was assigned this alleged debt knowing fully the consequences and risks that came with the possession of said alleged debt YOU CAN NOT CRY INJURY OR DAMAGE FOR RISK YOU WILLINGLY ASSUED TO TAKE ON Volenti non fit injuria Delete this alleged debt from your databased and DELETE this account from any consumer reporting agency that you may have furnished this deceptive and inaccurate information to.
05/08/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • PA
  • 19406
Web
CEASE AND XXXX XXXX XXXX XXXX XXXX to a willing person, it is not a wrong CAINE & WEINER company this is a written request for you to cease and desist all forms communication with me effective immediately. 12 CFR 1006.6 ( c ) ( 1 ) ( c ) Communications with a consumerafter refusal to pay or cease communication notice ( 1 ) Prohibition. Except as provided in paragraph ( c ) ( 2 ) of this section, if a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wants the debt collector to cease further communication with the consumer, the debt collector must not communicate or attempt to communicate further with the consumer with respect to such debt. 15 USC 1692 ( c ) c ( c ) Ceasing communicationIf a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumerwith respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. If such notice from the consumer is made by mail, notification shall be complete upon receipt. Furthermore you have no jurisdiction or authority to collect on this allege debt. ( b ) Authorization of actions Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is XXXX for to a willing person, it is not a wrong. This legal maxim holds that a person who knowingly and voluntarily risks danger can not recover for any resulting injury. This principle is the common-law basis for the assumption of the risk doctrine. You CAINE & WEINER knowingly and willingly purchased or was assigned this alleged debt knowing fully the consequences and risks that came with the possession of said alleged debt YOU CAN NOT CRY INJURY OR DAMAGE FOR RISK YOU WILLINGLY ASSUED TO TAKE ON XXXXXXXX XXXX XXXX XXXXXXXX Delete this alleged debt from your databased and DELETE this account from any consumer reporting agency that you may have furnished this deceptive and inaccurate information to.
07/20/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • RI
  • 028XX
Web
Hi Caine and WEiner COmpany ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
06/24/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30339
Web
HI CAINE & WEINERXXXX ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the XXXX major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
10/21/2021 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • UT
  • 84105
Web
Caine & Weiner has been contacting me for over six months now. They have been calling, texting, and emailing me constantly regarding a alleged debt they have not proven is mine to pay. I've told them they do not have my permission to call or text me, only to email. I also told them I will not be responding to anything at all until they prove to me that this debt is mine to pay. They then sent me a 59 page document that didn't say anywhere that this debt is mine. They then began again with the calls, texts, and emails. I have offered them money to put this to bed but not enough for them so they continued to harass me. I recently spoke with their representative XXXX XXXX who spoke to me like a was XXXX XXXX not worthy of her time. I asked her not to record our phone call and she laughed. I think she still recorded it. On the call I asked for more information about my alleged debt and what their next steps will be. I genuinely have been trying to resolve this working with them but they insist on pressuring and scaring me into succumbing to what they want. I then sent an email saying Caine & Weiner does not have my permission to call text or email me. Meaning if they'd like to continue to pursue me they'll have to do it by mail. XXXX responded to my email ignoring my request and asking for money. They still have not proven this debt is mine to pay. Their practices are unethical and disrespectful. The two agents I have spoken with directly are XXXX XXXX and XXXX XXXX. Both have been disrespectful, withholding and nonconstructive in our dialogue. They prefer to use vague intimidation language such as " We will be forced to pursue for the balance in full '' rather than work with me to see the issue resolved. I have attached my most recent correspondence with XXXX XXXX where she directly ignores my request and asks me again for money, having not proven anything about my responsibility for this debt. The alleged original debt comes from a company called XXXX XXXX, I worked for them for a year and a half as a 100 % commissioned sales agent. After I XXXX this job one of my clients terminated their policy with the company. In this alleged situation XXXX XXXX feels entitled to charge me for their lost premiums despite that I was not with the company to maintain the client. This is an alleged debt that rightfully should have fallen onto XXXX XXXX. I have tried to resolve this issue with XXXX XXXX directly but no one has returned my correspondence.
06/16/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • RI
  • 028XX
Web
Hi CAINE & WEINER ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
12/10/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • MS
  • 39401
Web
NOTICE TO AGENT IS NOTICE TO PRINCIPAL, NOTICE TO PRINCIPAL IS NOTICE TO AGENT I hereby give your Company notice pursuant to 15 USC 1602 ( k ) that your Company never provided an adequate notice which clearly and conspicuously mentions the pertinent facts of this transaction, Your Company didnt even inform about the Cost of Credit and the only evidence of the indebtedness was just a computer-generated agreement. According to 15USC 1602 ( k ), the term adequate notice means a printed notice to a cardholder which sets forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning. Such notice may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the cardholder. Since adequate notice was not given as per the above-mentioned section, I couldnt understand its meaning which is a violation under 15 USC 1602 ( k ). Further, pursuant to 15 USC 1601 ( a ) a consumer must be aware of the cost of the transaction. Since I was not aware of the transaction therefore made an uninformed decision and it resulted in multiple billing errors and unfair credit card practices. From your end, I have not benefited from this transaction which is again a violation of 15 USC 1602 ( g ). According to 15 USC 1602 ( p ), the term unauthorized use means a use of a credit card by a person other than the cardholder who does not have the actual, implied or apparent authority for such use and from Which the cardholder receives no benefit. I hereby request you to DELETE THIS ACCOUNTS OFF MY REPORT AND VALIDATE THE DEBT 15USC1692G ( 4 ). XXXX. ) XXXX XXXX XXXX ; Acct. No # XXXX ; Date Opened : XXXX ; XXXX. {$470.00} XXXX. ) Caine & Weiner ; Acct No # XXXX ; Date Opened XXXX ; XXXX. {$480.00} ; XXXX. ) XXXX XXXX XXXX ; Acct No # XXXX ; Date Opened XXXX ; XXXX. {$640.00} ; and XXXX. ) XXXX XXXX XXXX ; Acct No # XXXX ; Date Opened XXXX ; XXXX. {$1400.00}. ALSO UPDATE THE LATE PAYMENTS TO PAID ON TIME. If you accept my request, I will not escalate this matter to Federal Court. In case you dont accept the above request, a legal action shall be taken against your Company for compensatory damages. Thank you for your attention to this matter. Sincerely, XXXX XXXX XXXX. All Rights Reserved Without Recourse.
10/21/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MA
  • 02780
Web
Hi CAINE WEINER COMPANY ; I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
09/27/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MA
  • 027XX
Web
Hello and Happy Sunday! I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
05/24/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30339
Web
Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
03/14/2023 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • CA
  • XXXXX
Web
( XXXX XXXX XXXX attained a copy of his credit report after applying for an educational loan that was based in part on this particular collection account reporting a debt owed for an unpaid balance on an auto policy. On or about XX/XX/XXXX XXXX contacted a representative employed through a collections agency understood as ( Caine and Weiner ), as reflected on his three major credit bureaus personal profile via the contact information that is displayed beneath the amounts and account information. On or about XX/XX/XXXX XXXX spoke with a representative of this aforementioned debt collection company named XXXX XXXX and asked numerous questions with regards to the account and the reported information at issue herein. She stated that the debt was incurred for coverage that existed and was in place from XX/XX/XXXX to XX/XX/XXXX, and that it was for a two car policy. The cars and respective VINs associated with this policy are as follows ; XXXX XXXX XXXX, with VIN ( XXXX ), and XXXX XXXX XXXX, with VIN ( XXXX ). During the conversation with XXXX XXXX, XXXX asked her numerous questions, where at one point she became belligerent, circular, combative, evasive and redundant ; not answering the question. XXXX repeatedly asked how the debt accumulated, and she stated it occurred for non-payment from XX/XX/XXXX to XX/XX/XXXX. XXXX stated that this could not be possible as auto insurance policies cancel well before a near three month lapse in payments. XXXX asked again how the debt accrued and she repeated the same information, indirectly answering the question and slurring her speech. XXXX is not equipped nor willing to reconcile a debt with this collection agency if they are unable to verify how the debt accumulated and in the face of his demand and request, as afforded through consumer rights laws, that reporting of negative information cease immediately, be removed, all relative information be provided per his request consistent with the debt amount being asserted against his credit profiles with the three major consumer credit reporting bureaus ( XXXX, XXXX and XXXX ), and that a negotiation or mediation prior to legal action be undertaken so that the debt is truly appreciated for what it is and reconciled from their appropriately without underhanded extortive tactics being utilized to manipulate money from XXXX by asserting a bizarre undue amount against his credit profile information with the three major credit bureaus.
03/20/2019 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Used obscene, profane, or other abusive language
  • CT
  • 061XX
Web
Auto insurance due to progressive / Caine & Weiner. XX/XX/2019 at approximately XXXX EST I called in attempt to settle a debt for {$83.00} with debt collectors Caine & Weiner of California . I didnt have the funds and would call back later that day. Second contact being XXXX XXXX at that time before making payment I mentioned that I didnt feel comfortable providing payment unless I received immediate confirmation/ receipt following the transaction with rep. I was then transferred to rep assistant manager she assured me that I would receive receipt following transaction CONCEALING that it would take some business days to receive that via mail. After payment I asked for receipt and thats when it was disclosed to me that I wouldnt be getting confirmation till later sometime this month I then continued to say That i will call my bank and dispute the transaction if I didnt receive a receipt. Floor manager then contacted me at XXXX XXXX XX/XX/2019 ( XXXX accent ) and used DECEIT by stating that what was once and offer ( deletion of the debt after payment ) could be easily taken away also became very condescending in attempt to keep me from disputing the charges ( ALL CALLS WERE RECORDED ) to prove this. Which is in violations of my rights 15 U.S. Code 1692e. False or misleading representations or deceit ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer XX/XX/XXXX XXXX XXXX same floor manager contacts me in response to an earlier call where I asked for a receipt. And said you mentioned you were going to call your bank so I cancelled the transaction and frankly the deletion of the account was courtesy so why do you want to do? VERY AGGRESSIVELY XX/XX/XXXX XXXX XXXX est I felt with manager XXXX to mediate the situation and mentioned she could only provide a paid in full following the violation to my rights and XXXX COMPLAINT XX/XX/2019 XXXX XXXX est spoke to operations manager after another attempt to settle and made clear that they were in violation of my rights and I would like for them to disclose how I could file a formal complaint he then Said send me a letter to P.O. Box and Ill see about it and asked to speak to a superior which he then responded in not transferring you we can do this all day all while being very dismissive. Made little to no effort in solving the situation instead he escalated it more.
11/17/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MA
  • 02301
Web
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
12/10/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MA
  • 027XX
Web
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the XXXX major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
01/24/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • RI
  • 02860
Web
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
12/04/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MA
  • 027XX
Web
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
11/25/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MA
  • 02301
Web
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
09/18/2017 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • MA
  • 02446
Web
In XX/XX/XXXX, I was the victim of credit card fraud. Two large, fraudulent purchases were made on my XXXX XXXX XXXX Credit Card, issued by XXXX. As soon as I noticed the charges on my credit card account, I immediately called XXXX fraud department to dispute the charge and cancel my credit card so that no additional fraudulent purchases could be made. One of the purchases was for {$840.00}, and was made on XXXX. XXXX 's fraud department subsequently conducted an investigation into this claim, and notified me that because the charge was made fraudulently, the charge had been permanently removed from my account. On XX/XX/XXXX I received a letter in the mail from the debt collections company Caine & Weiner, claiming that I owed {$840.00} to XXXX XXXX XXXX XXXX After receiving the letter from Caine & Weiner , I called XXXX security department, who informed me that they had received no communication from XXXX XXXX or from Caine & Weiner regarding this issue. They said that if the company ( XXXX XXXX ) wished to collect on a fraudulent charge, they needed to contact the bank that had withdrawn the payment ( XXXX, the issuer of the credit card ). On XX/XX/XXXX I wrote a letter to Caine & Weiner notifying them that I was disputing their claim that I owed this debt, and instructing them to communicate directly with XXXX if they or XXXX XXXX wanted to continue to pursue this collection. On XX/XX/XXXX I sent a signed copy of this letter to Caine & Weiner via certified mail. I received notification that it was available for pickup at the XXXX XXXX on XX/XX/XXXX, and was delivered on XX/XX/XXXX. After XX/XX/XXXX, I did not receive any more communications from Caine & Weiner or XXXX XXXX until XX/XX/XXXX. On XX/XX/XXXX I received an email from XXXX confirming that they had completed their Fraud investigation and that they had permanently removed the charge from my account because it was a fraud charge. On XX/XX/XXXX, I received another letter from Caine & Weiner about the debt, asking again that I submit payment. They have clearly ignored my previous letter, since they have still not contacted XXXX. This is a bad faith effort to collect, and now constitutes harassment. They are trying to scare and harass me into paying a debt that I do not owe. If they want to collect on this fraudulent charge, they need to pursue that with the bank that withdrew the payment ( XXXX ) and not with me.
02/03/2020 Yes
  • Debt collection
  • Medical debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • MI
  • 48312
Web
We received a letter today ( XXXX XXXX ) from a debt collector Caine & Weiner regarding an alleged ( {$1300.00} ) debt of my sister XXXX that was wrongly addressed to myself and my wife. XXXX is XXXX years old, has XXXX XXXX and is in an XXXX XXXX home called XXXX XXXX in XXXX XXXX Michigan. My wife and I who assist in helping my sister contacted Caine and Weiner as soon as we receive the letter to : 1. Dispute the validity of this debt, 2. Let them know this is XXXX medical services and should not be directed towards myself or my wife but only to XXXX. 3. To also let them know that we are not financially responsible for XXXX care, only her patient representative. 4. And most importantly request copies of the financial agreement and the itemized statements. At XXXX XXXX we spoke to a Mr. XXXX XXXX of Caine & Weiner to dispute their claim and request the itemized statements and financial agreements. He told us we needed to send him a copy of my signature first. I let Mr. XXXX XXXX know that thats not proper and that my request as stated in his letter does not have any conditions. Wed have 30 days to dispute this and so we wish to dispute it. He continued to press me for my signature to be sent as a technicality in order to send us the information he has. We are aware that under the fair credit reporting act there are no contingencies attached to his sending us the documentation to assist us with disputing the validity of this claim. His demanding this does not comply with the law properly. We went around and around in our conversation letting him know we wished for the information to be sent and he kept reiterating the fact that he needed me to first send him mysignature in order for that to be done. This conversation was recorded and would be available to anyone wanting to know the facts of the conversation. He also implied that since we had talked to our attorney friend that he no longer wished to deal with us and and could not send us the information but that he would send our attorney friend the information. We told him we only spoke to our attorney for advice and he is not representing us, but Mr XXXX said he wished only to talk to him anyway. We believe this behavior to be not only aggressive but illegal according to the law. We wish you could look into this situation and not only correct it for us but other people theyre using these tactics on.
06/17/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 34986
Web
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1990 ADDRESS XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT CAINE & WEINER XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious CAINE & WEINER XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1990 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, FL XXXX XXXX
10/29/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • OH
  • 43207
Web
Notice for Proof of Claim Account : CAINE & WEINER COMPANY INC To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.
03/09/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 32780
Web
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX* ATTENTION DISPUTE DEPARTMENT CAINE WEINER XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious CAINE WEINER XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX*
08/18/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 33414
Web
XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX CAINE & WEINER XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious CAINE & WEINER XXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. District Court for the XXXX XXXXXXXX XXXX XXXX Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX LOI SOC SEC XXXX XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
04/28/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 32907
Web
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1935 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious XXXX XXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1935 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
05/27/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 33436
Web
XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX Todays XXXX CAINE WEINER XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious CAINE WEINER XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
07/13/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 94541
Web
On XX/XX/XXXX, Caine and Weiner contacted me to settle the claimed debt of {$12000.00} to XXXX XXXX XXXX XXXX XXXX ( Document " enotice '' ) via email. With this notice, I was not informed of my right to ask for proof of debt. On XX/XX/XXXX ( XXXX business days ), I responded with my dispute, explanation of the situation, and requested proof of debt. On XX/XX/XXXX, Caine and Weiner representative XXXX acknowledged they would respond with proof. On XX/XX/XXXX, I discovered Caine and Weiner reported my account to XXXX, XXXX, and XXXX Credit Bureaus on XX/XX/XXXX ; one day before contacting me. I requested that this false report be removed. I received no response. On XX/XX/XXXX, at XXXX, I contacted Caine and Weiner again as XXXX days had passed on my request for proof of debt and asked for the removal of my account from all three bureaus as there was no proof of debit as I had explained to them. I received no answer. However, only XXXX deleted the account from my report. On XX/XX/XXXX, I contacted XXXX at Caine and Weiner again to remove my account with the false claim from my credit report from XXXX, XXXX, and XXXX Credit Bureaus. On XX/XX/XXXX, XXXX responded that he would further contact the original creditor for information to validate my debt. On the same day, I let XXXX know that I had already requested the proof of debit and I was only contacting him to remove the false debt from my credit report on XXXX, and XXXX as 30 days had already passed. I then let him know that I was aware of my rights under the XXXX Fair Debt Collection Practices Act ( FDCPA ). Immediately after this, on the same day, XXXX from Caine and Weiner responded that they had mailed me the letter on XX/XX/XXXX, to which I replied was a lie because I had no mailed contact with them. All my conversations and interactions with them were via email. In addition, he had just responded earlier in the day that he was still reaching out to the original purport creditor XXXX XXXX XXXX XXXX. Thus, if he was still reaching out to this creditor, how could he have sent me any proof of debt on XX/XX/XXXX? It was very clear the representative from Caine and Weiner was lying and working under false pretenses to not remove this false report with the two credit bureaus. I have now disputed the debt directly with XXXX and XXXX.
12/28/2022 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NY
  • 11434
Web
This is in reference to a communication of dispute you were in receipt of in XX/XX/2022. The complaint was filed with the credit bureaus ( XXXX, XXXX XXXX XXXX ) through the CFPB in regards to illegal reporting that I owe your company a debt. I requested validation of the below mentioned debt. Caine & Weiner XXXX Account XXXX. : XXXX In response to the complaint filed, on a letter dated XX/XX/2022 your company sent a single billing statement received from the creditor 'to serve as proof '' that I was indebted to Caine & Weiner for this alleged transaction. In addition to that, your company continued harass and defame me by communicating and illegally reporting this alleged debt to the credit bureaus as if I entered into a payment agreement with your agency. This resulted in multiple denials of credit extension, and embarassment. According to 15 USC 1692a ( 2 ) The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. " Any Medium '' to be taken literally means any form of communication whether written, oral, verbal, electronic or any other means, therefore furnishing on my consumer report bearing any information in regards to this alleged debt by Caine & Weiner is to be considered communication as per the FDCPA. The creditor has reported this account as charged off, meaning they are no longer attempting to collect on this alleged debt owned by them. That debt according to the law has been paid. As you are aware the creditor sold this debt to your company in XXXX of 2022. I am informing you that your company has violated 15 USC 1692j ( a ) because your company furnished a deceptive form to create a false narrative and misleading me as a consumer that the creditor was attempting to collecting this debt, but in reality it was simply put, not true. It goes without saying, I expect a deletion of this account immediately. For reference : ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes suchcreditor, when in fact such person is not so participating.
08/02/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 33462
Web
XXXX XXXX, XXXX XXXX XXXX # XXXX XXXX XX/XX/1998 ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious CAINE & WEINER XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the XXXX XXXX XXXX for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX, XXXX XXXX SEC # XXXX XXXX XX/XX/1998 ADDRESS XXXX XXXX XXXX XXXX, XXXX FL XXXX
09/21/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • MN
  • 55432
Web
under Consumer Law 15 U.S Code 1861 ( b ) Permissible purpose of consumer credit I did not authorize permission to report on my consumer credit. 15 u.s. code 1602 ( p ) the term " unauthorized use, '' as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. 15 usc 1692b not state that such consumer owes any debt ; Analysis A debt collector seeking location information must identify themselves by name of the employer to comply with this provision and avoid violating other sections of the FDCPA. An individual debt collector may use an alias if it is used consistently and if it does not interfere with another party 's ability to identify him ( e.g., the true identity can be ascertained by the employer ), and the collection laws of his or her state allow the same. Telling a third party that you owe a debt is illegal! First it may not be true thus unjustly damaging your reputation and second, it is simply nobody else 's business. 15 US Code 1692J ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor when in fact such person is not so participating. I contacted Caine & Weiner after finding a collection on my report on XX/XX/2022. I contacted the company and asked for validation letters and other documents to prove I had an debt owed, and instead the lady wanted to fulfill legal obligations on her end and not give me anything i asked for. she just kept dancing around my questions, and trying to collect money I have no knowledge of. I have student loans on my Report as well. The school I attended has put me in debt at {$16000.00}. XXXX XXXX XXXX XXXX is in litigation and has been for quite some time now for Fraudulent & Misleading practices. There is a Fairness Hearing XX/XX/2022. The problem I have is when i contacted the XXXX and XXXX about the matter they verified " XXXX XXXX XXXX XXXXXXXX '' and did nothing about the matter.
04/21/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 32256
Web
This Account does not belong to me. Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Collection account. {$320.00} past due as of XX/XX/XXXX. Status updated XX/XX/XXXX XXXX XXXX XXXX afternoon, My name is XXXX XXXX XXXX XXXX, Re : Removal Request for Inaccurate Information from Credit Report Dear Sir/Madam , I am writing to request the immediate removal of inaccurate information from my credit report. According to my recent credit report, there is an erroneous entry regarding this act of Identity theft. XXXX let me thank you for the opportunity to explain my horror story. I was a victim of a car jacking/robbery where my Identity was stolen and used by a thief by the name of XXXX XXXX XXXX The criminal used my ID to purchase high end items and an apartment and was living in it. The Felon is a XXXX Light Skinned XXXX American with gray facial hair, I am a XXXX XXXX XXXX XXXX with no facial hair. The low life that has made my life a living XXXX was actually arrested and apprehended in the apartment that was fruduently leased in my name. I work for the United States XXXX XXXX XXXX and if you look at my credit report this is the only thing keeping me from living my life. XXXX has deleted it already ( Please refer to attachment ) XXXX is in its last steps of deleting it ( Please refer to attachment ), and XXXX has now filed a Fraud Case and should be deleting it shortly. I have carefully reviewed my credit report and found that this information is incorrect. I have never had any association with the account mentioned above, and I have never been delinquent on any payment to any creditor. Therefore, I request that you remove this information from my credit report as soon as possible. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate information in my credit report. As per 15 U.S. Code 1681b, I am requesting that you take immediate action to correct this erroneous entry and send me a written confirmation of the removal of the information from my credit report. Please be advised that failure to comply with my request within the stipulated time frame will result in legal action against your company. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX XXXX XXXX
10/18/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 33463
Web
XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/1984 ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX CAINE & WEINER Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious CAINE & WEINER I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the XXXX XXXX XXXX XXXX XXXX XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1984 ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
10/28/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Right to dispute notice not received
  • TX
  • 786XX
Web
An outstanding balance owed to XXXX was transferred to Caine & Weiner. I received communication in form of a letter on XXXX XXXX, 2016 of this debt. I immediately contacted the firm and let them know that I had ever intention of paying the debt but that at the time I was also unemployed ; however I would make payments until the balance was paid in full. I spoke to a person named XXXX, XXXX and let them know that I did not want this going on my credit so I wanted to set up a payment plan to avoid further action. I paid {$25.00} each month to avoid it going on my credit. I received a call about a week ago and the person from Caine Warner said they were calling to see if I wanted to pay the debt in full since my balance was down to {$190.00}. I told the lady that I was unemployed but that I would be making a payment in XXXX since I was paying {$25.00} each month. She was friendly and said " ok '', she was just following up. I check my credit report almost weekly and was surprised to find that the firm has reported this unpaid debt to a credit bureau after they told me that as long as I made payments, it would not go to a credit collection. I immediately called again today to XXXX and spoke to a man. He now informs me that even though I called and told them the debt was mine and even though I am paying each month, the debt has to be reported to the credit bureaus after 60 days, regardless of whether or not I am paying it. This does not make sense? None of the other reps ever told me this? We agreed that if I paid it would keep the outstanding bill from going into collections. Now someone else is telling me something else? I want this account to be taken off my credit immediately. I made arrangements with this firm to fully pay down my outstanding debt, they led me to believe that as long as I paid they would not turn it over to a credit bureau and now it is on my credit. I feel they misled me and did not provide me accurate information. The man I spoke with today is now telling me that the other people I 've spoken with were " pretty new '' and probably did n't relay the information correctly to me. Well guess what? That is no excuse! If their employees are not properly trained then they should not be working there giving out wrong information.
07/04/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • NY
  • 11221
Web
According to FCRA, Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) and 1681i ( 5 ) ( A ), credit bureaus are required by law to have verifiable proof of any account you list on a credit report, otherwise, anyone with the ability to report to you could fax, mail or email in a fraudulent account. I demanded to see proof for the listed accounts and was NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). So I advised that under 1681i ( a ) ( 5 ) ( A ) " If... an item of the information... can not be verified, the consumer reporting agency shall... promptly delete that item of information from the file of the consumer. '' According to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 611 ( a ) ( 6 ) ( B ) ( iii ), creditors are required by federal law by request of the consumer, a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher. They must provide this request no later than 15 days after receiving this request for that description according to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 611 ( a ) ( 7 ). In the results of their first investigation, they stated in writing that they verified '' that the items were being reported correctly. 1 ) Who in your company verified these accounts? 2 ) How did they verify them? 3 ) Please provide me with the name of the individual, business address, and telephone number of the person or business contacted during your reinvestigation. 4 ) Include the documentation that was used to verify the dispute. They have NOT provided me a copy of ANY hard copy documentation showing that you have properly verified these accounts. So I advised that under 1681i ( a ) ( 5 ) ( A ) " If... an item of the information... can not be verified, the consumer reporting agency shall... promptly delete that item of information from the file of the consumer. ''
07/25/2018 Yes
  • Debt collection
  • Medical debt
  • False statements or representation
  • Attempted to collect wrong amount
  • CA
  • 95815
Web
Caine & Weiner entered into an Independent Contractor Agreement ( Agreement ) with County Medical Services Program Governing Board ( Governing Board ), effective XX/XX/XXXX. The Agreement required Caine & Weiner to promptly undertake the collection of accounts placed with [ Caine & Weiner ] by the Board for purposes of collection, and to use diligence [ in doing so ] ( Agreement, Ex. A, A. ) The Agreement also required Caine & Weiner to use its best effort in providing collection services on all claims assigned for collection. ( Agreement, Ex. A, B1. ) In XX/XX/XXXX, over {$4.00} XXXX in accounts were placed with Caine & Weiner for collection. Caine & Weiner did not make any effort to collect on the accounts in clear breach of the Agreement. In fact, it took until XX/XX/XXXX, nearly six months from when the accounts were initially placed, for Caine & Weiner to inform the Governing Board that they were not going to provide any collection services. Caine & Weiner claims the accounts placed by the Governing Board did not include provider addresses, which allegedly prevented the initiation of collection efforts. However, this argument fails as XXXX XXXX, Chief Operating Officer of Caine & Weiner, acknowledged in an email dated XX/XX/XXXX, that he worked through the first file of accounts and found 1,200 provider addresses using Caine & Weiners own resources. These 1,200 provider addresses account for approximately one third of all accounts placed with Caine & Weiner. In addition, each of the accounts placed with Caine & Weiner contained a National Provider Identifier ( NPI ) number that allows a provider address to be located by a simple XXXX search. The Governing Board also provided Caine & Weiner with provider addresses for each of the accounts at issue upon learning of their claimed inability to collect on the accounts. Caine & Weiners failure to promptly undertake the collection of accounts constitutes a breach of the Agreement. The Governing Board attempted to resolve this dispute directly with Caine & Weiner through a meet and confer process as set forth in the Agreement. Caine & Weiner participated in a conference call with the Governing Board on XX/XX/XXXX, but has since failed to respond to any subsequent communications.
07/01/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 334XX
Web
TODAYS DATE : XX/XX/XXXX ATTENTION DISPUTE DEPARTMENT CAINE & WEINER XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious CAINE & WEINER XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. District Court for XXXX XXXX XXXX XXXX XXXX Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
07/10/2023 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • CA
  • 920XX
Web
I received written notice from Caine & Weiner ( C & W ) on XX/XX/XXXX re a debt they were attempting to collect for XXXX XXXX XXXX in the amount of {$27000.00}. On XX/XX/XXXX I called C & W, as I had not heard from them. I called XXXX, the number on the letter received, at XXXX, and XXXX. I was disconnected while on hold twice. I then called back & asked for a direct #, was given XXXX, and left a VM for XXXX. I called back on XX/XX/XXXX as I had not received a call. I spoke with XXXX who said she had called and left a VM but that is an untruth ( cell phone records can verify no call or message ). I explained the situation and offered an amount of {$17000.00}, which was the actual amount I received from XXXX. XXXX said she would contact XXXX with the offer and get back to me by phone and/or email. I tried to send an email to the website listed on the correspondence on XX/XX/XXXX, since I still had not heard back from XXXX. The address is invalid and neither XXXX or XXXX servers will send to it ( I have screenshot confirmation ). I followed up and left messages for XXXX on the XXXX # on XXXX, XXXX, XX/XX/XXXX. I never received a call or email from XXXX or anyone else from C & W. I then saw a missed call from the C & W XXXX # on XX/XX/XXXX @ XXXX. They did not leave a message. I received another letter from them asking for me to call to resolve the debt dated XX/XX/XXXX but didnt receive in the mail until XX/XX/XXXX. I then was notified of a charge off on my credit report thru XXXX on XX/XX/XXXX. I believe I have acted in good faith to try to resolve this debt. C & W however has not engaged or returned my phone calls, but rather went straight to collection after just one conversation where the action item was on them to discuss with XXXX and get back to me with an answer. The only conversation I had with C & W was on XX/XX/XXXX. They have not only acted in bad faith by not engaging in conversations to resolve the matter, they also have an invalid email address, and multiple phone numbers on the correspondence. I feel they are less than professional and even appear to be a shady organization. I have submitted disputes re the charge off to all 3 credit agencies. Happy tp provide all documentation if requested.
07/05/2019 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • GA
  • 30019
Web
I have no idea who CAINE & WEINER is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. CAINE & WEINER is indicating that an account unknown was opened with their company in XX/XX/2019. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. I have attempted to contact Caine & Weiner via certified mail ( RR # XXXX XXXX XXXX XXXX XXXX and that have not responded or provided any of the information I requested. When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity. 2. Provide signed verification of each transaction that is part of the alleged cumulative debt. 3. Provide the contract or other instrument through which [ Alleged Creditor } authorized CAINE & WEINER as third-party collection agent. 4. Provide a true and correct copy of the instrument by which [ CAINE & WEINER } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ). 5. Provide the delegation of authority from the Director of the Office of Management Budget to CAINE & WEINER, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ). 6. Provide the Certified Assessment Certificate. Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ). * Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ). * Failure to provide an Opt Out Notice. * Failure to disclose as required by federal law mandatory information in their Privacy Policy notice. XXXX Sharing Non Public Information ( NPI ) without providing an Opt Out Notice
10/23/2023 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • TN
  • 37064
Web
To whom am I concern I am writing this explanation regarding the incorrect account on my credit profile. I was never approved with XXXX XXXX! In XX/XX/XXXX my insurance broker shopped around to find me a new insurance policy. He initially found XXXX XXXX and signed me up on XX/XX/XXXX. ( please see the screenshot from the email that I received from XXXX ). I paid {$740.00} on my card and signed all the papers and thought everything was good to go. On XXXX the XXXX XXXX I received a email from XXXX stating that they made a mistake. ( Please see screenshot ). I signed additional documents and again thought everything was good to go. On XX/XX/XXXX I received another email from XXXX stating they had more documentation that I had to sign. ( Please see screenshot of email ). I logged into the account online and signed another document. Again I thought everything was good to go. On XXXX the XXXX XXXX I received another email from XXXX stating that everything was confirmed. ( Please see screenshot of email ). On XXXX the XXXX XXXX I received another email from XXXX stating that my policy was canceled. ( Please see screenshot of email ). I spoke with my insurance broker and he confirmed that they canceled our policy. It turns out that they never accepted our coverage and we had been driving without insurance! Immediately my insurance broker found me another policy with a different company. He stated that my {$740.00} that I previously paid would be refunded. After several calls and weeks my {$740.00} that I paid was fully refunded. ( Please see screenshot of bank statement ) Since XXXX of XXXX I have been receiving several calls from this company stating that I owed them money. I have sent them everything that I have sent you and they continue to call and harass. They have damaged my credit report by adding this fraudulent charge and again I don't even know who these people are. I've as for them to send me any information and they refuse. I explained to them that I was never approved with XXXX in all funds have been refunded. They did not listen to me and they continue to add stuff to my credit report. Something needs to be done! Please fix this expeditiously!
07/07/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • PA
  • 150XX
Web
Last XXXX of XXXX I received a bill from progressive Stating That my remaining policy balance was {$530.00} My Monthly payment of {$58.00} My renewal was in XX/XX/XXXX my Monthly balance due is {$58.00} Policy Number # XXXX. I called XXXX XXXX because they hit my checking account on XX/XX/XXXX, for {$460.00} for XX/XX/XXXX, {$460.00}, and XX/XX/XXXX for XXXX. I called XXXX and asked them why they hit my account and I was not going to renew the policy because the new policy hike in price was not affordable. My last premium payment total was {$530.00} and since they took too much in XXXX I only had to pay the balance of {$420.00} that would have carried me to the end of the policy since my policy remaining balance was {$530.00} so I paid it and switched to XXXX XXXX. I called XXXX in XXXX and told them I switch policy and why were they still billing me they said to send in my new policy for XXXX XXXX so I did. then they sold it to a third-party CAINE & WEINER XXXX XXXX XXXX XXXX, CA XXXX Sent out a letter asking them to verify my debt they did not. So I called XXXX they claimed I owed nothing to them Now today XX/XX/XXXX I called and now they are telling me that my bill was {$2000.00} which was my XXXX renewal bill, not my current bill from XX/XX/XXXX till XX/XX/XXXX The lady told me that she does not see the bill I sent into her to prove I closed the account by paying the remaining premium off she said they billed me in XX/XX/XXXX and XX/XX/XXXX even though I had a new policy with XXXX XXXX She also said they only received one snapshot back I returned all of them at the same time they provided boxes but no tracking number for the devices I mailed them back it is not my fault they got lost in the mail. I also brought her to her attention that if my policy was over {$2000.00} In XXXX then why was my monthly premium only {$58.00} I asked her to explain that because I am confused. I also explained that it also odd that after talking to several agents each of them telling me I owe nothing now when I started calling XXXX to get this removed from my credit report there is now a whole back story extra billing and all kinds of changes to my policy.
04/19/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • MO
  • 63136
Web
Caine & Weiner Company , Inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX To : The XXXX XXXX XXXX XXXX for Caine & Weiner Company , Inc From : XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX are authorized to administrate ( acting trustee ) on the XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX. Courts require your contract for jurisdiction. Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act.Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have. I also submitted this letter to theConsumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and The XXXX XXXX XXXX. You have 15 days from the date of this letter to respond with all items requested or remove this item must be removed immediately or I will seek litigation forMonetary damages. Also be advised any medical records shared without my consent is a violation of my privacy and HIPPA. Please remove all unauthorized, fraudulent accounts promptly within four business days of receipt pursuant to 15 USC 1681-c-2 & 12 CFR 1022, Regulation V, to prevent further legal proceedings. I have already contacted the respective companies as well and please be reminded, no consent is identity theft. Thank you! I swear under penalty of perjury that all of the above mentioned information is true and accurate. By : XXXX XXXX
03/15/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • IL
  • 60654
Web
I rented a car from XXXX XXXX rental group ( referred here as " company '' ) ( from the XXXX XXXX XXXX location at XXXX XXXX XXXX XXXX, XXXX, IL, XXXX ) on XX/XX/XXXX and returned the car on XX/XX/XXXX. The company had a clerical error and did not log in my return into their systems correctly. Their systems showed that I instead returned the car on XX/XX/XXXX. Due to this, they have sent me an unpaid bill due in the amount of {$5500.00}. As this was obviously a mistake, I took the notice to the company branch I rented the car from and spoke with the manager. The manager noted that the car had indeed been returned on XX/XX/XXXX, and issued a work order/station adjustment confirming that I returned the car on time. She asked the collections teams to make the necessary changes in their system so the debt can be market invalid. I have emails from the branch manager as proof along with the requested station adjustment. The company did not take the necessary actions on their end and instead sent me another letter claiming that I have an unpaid balance. I reached out the collections department at XXXX again on XX/XX/XXXX via email detailing the issue and also attaching the branch manager 's emails and station adjustment requests showing that the debt is invalid. After much back and forth promising that the collections team is looking into the issue, I did not hear back from XXXX collections since XX/XX/XXXX. On XX/XX/XXXX I received a call from a debt collector ( Caine and Weiner ) in an attempt to collect this debt that I have been trying to resolve since last year, about 7 months now. I was also place on the " do not rent '' auto rental list blacklisting me from any further auto rentals. I furnished them with the same emails and filed a dispute. It has now been another month and I have yet to hear back regarding any progress being made on my account. I am happy to provide all my proofs and emails showing that the debt is not valid and should be taken off my account. At this point, I have sunk close to 40 business hours trying to resolve this matter and feel I should instead be compensated for the predatory actions from the company.
06/13/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • 303XX
Web
I have no idea who CAINE & WEINER is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. CAINE & WEINER is indicating that an account with the account number XXXX was opened with their company on XX/XX/2022. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. I have requested to receive notarized validation from CAINE & WEINER via certified mail XXXX # and the company has ignored my request. When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity. 2. Provide signed verification of each transaction that is part of the alleged cumulative debt. 3. Provide the contract or other instrument through which [ Alleged Creditor } authorized CAINE & WEINER as third-party collection agent. 4. Provide a true and correct copy of the instrument by which [ CAINE & WEINER } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ). 5. Provide the delegation of authority from the Director of the XXXX XXXX XXXX XXXX XXXX CAINE & WEINER, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ). XXXX. Provide the XXXX XXXX XXXX. Violation ( s ) : Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ). Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ). Failure to provide an Opt Out Notice. Failure to disclose as required by federal law mandatory information in their Privacy Policy notice. Sharing Non Public Information ( NPI ) without providing an Opt Out Notice
04/01/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • GA
  • 31705
Web
Caine & Weiner continues to blatantly report an inaccurate, unverifiable entry on my credit reports. The alleged entry has an account number as XXXX and the original creditor is XXXX. No dunning letter was received from this company. I have never did any business with this company, nor have I ever heard of the company. I have attempted on numerous occasions to gain clarity and insight on this erroneous entry. My first disputes were with each of the credit bureaus and the responses provided from each bureau reflected that the entry was verified by Caine & Weiner. To that end, I sent a certified letter to this company. The tracking of this receipt reflects that they did indeed receive the dispute ( see attached ). To date, this company has not responded to my dispute of the validity of the entry they are continuing to negligently report. This company has had over 6 months to respond to me, yet they have not. I submitted two letters to this company ( see attached ). In my first dispute letter to them in I requested : An agreement that states their authority to collect on this alleged debt ; Agreement with signature of the alleged debtor wherein he/she agreed to pay the creditor, Alleged account number, Date this alleged debt became payable Original delinquency date, Verification that this debt was assigned or sold to collector Complete accounting of alleged debt, and Name and address of the bonding agent for collection agency in case legal action becomes necessary. THEY DID NOT RESPOND. In my second request, given I never received any notification from them with regard to the first dispute, I requested they provide a copy of the terms and conditions that may have changed over the course of the alleged debt as well as copies of documents that reflect my signature, and for them to also send me copies of any correspondence they should have sent me. They DID NOT. It is obvious that Caine & Weiner has no intent to honor the law nor respond to my previous disputes ; therefore, in the absence of them not responding with any documentation to validate the alleged debt, this entry must be removed from my credit report immediately.
03/14/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • IN
  • 47130
Web Servicemember
I do not understand why you are still continuing to contact me and send me correspondence saying I owe you debt and you are putting an account I dont have with you in collections. I am not liable for any debt with your company and placing more derogatory remarks marks on my credit report will be in clear violation of the credit consumer laws. You sent a letter saying you are putting me in collections, I dont know if your company is not understanding or what seems to be the communication. You have failed numerous times to come forth with any signed contract between your me and your company. You are violating my rights continuously. I have told your company to cease and desist all forms of communication with me and now I am being harassed by your company. Let me state the consumer rights laws once again since you are having problems with understanding it. 15 U.S.C 1681 Section 602 A. States I have a right to privacy. 15 U.S.C 1692 B ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt 15 U.S.C 1692 C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S.C 1681 Section 604 A Section 2 it also states consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable calls to believe the information is inaccurate. If any derogatory remarks or collections for this company, that I have no contract with, are listed on my credit reports I will have no choice but to seek legal advice and take further action for your company breaking the law and continuing to harass me month after month. This will be my last time writing you about this issue.
08/09/2019 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • TN
  • 37148
Web
Was quoted my bill for XX/XX/XXXXcar insurance at XXXX dollars after making changes and purchasing a vehicle in XX/XX/XXXXthis year by agent on phone and have call recording of this incident. When I went to pay it on the due date in XX/XX/XXXXthey said I owed XXXX dollars, I said that's not what I was told on the phone. After arguing I just decided to shop for more insurance and found comparable insurance to initial quote and thought that was it, nope they said I owed XXXX dollars to XX/XX/XXXX, something I never agreed to, especially at that price. After it went on to collection 's I contacted my state insurance commission and file a complaint. I couldn't never send the audio recording as the website refused to allow the media file to go through. Once it was closed by them in late XX/XX/XXXX, early XX/XX/XXXX, not 2 or 3 days had the collection show up on my credit file. Back to arguing with Caine and Warner, XXXX, and my insurance commissioners office. My state has been no help, seems like apparently they can get away with this, I'd wonder how fast us people would be delt with by all forms of agencies if this was the other way around. I was a progressive customer since 2016, had zero claims, and now I'm being attacked personally for there mistake, not to mention I paid about XXXX on XX/XX/XXXX, which didn't cover me out to XX/XX/XXXX my due date apparently. My commissioners office said they covered you in XX/XX/XXXXso it's legitimate, I just go back to XXXX dollars growing to a whopping XXXX? How again is any of this my fault? Had the quoted amount been accurate I probably wouldn't have purchased the vehicle I was about to upgrade to in the first place. Sure hope this helps get this resolved, can't believe a company who made nothing but profit off me over 2 years would go this far over such a small petty amount. If this and the XXXX don't get it resolved my only option is small claims court I guess. Really ridiculous I might have to go that route over such a small amount. It's not about the XXXX dollars ( filing a suit will cost double that ), it's more about the principle!
07/29/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • OH
  • 44120
Web
I disputed this Caine & Weiner account number XXXX on XX/XX/ The credit report of ( Credit Reporting Company ) shows these items were deleted from my credit file, Now these items have been reinserted on my credit report. In accordance with the requirements of the FCRA as stated below, I am hereby requesting your complete compliance with any and all of the provisions : FCRA S 611, Procedure in case of disputed accuracy ( 15 U.S.C. 16811 ], Requirements relating to reinsertion of previously deleted material. Certification of accuracy of information. If any information is deleted from a consumer 's file pursuantto subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( a ), consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinserted date. ( I ) a statement that the disputed information has been reinserted ( 11 ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy-or completeness of the disouted information. I received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action Your agency may avoid such action by immediately deleting this listing from my credit report
11/05/2021 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • IN
  • 46214
Web
Caine Weiner Re : Acct # XXXX To Whom It May Concern : This letter is regarding account # account number. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act FDCPA 807 [ 15 USC 1962e ] ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking up to {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, since you are clearly doing business in my area. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. Sincerely, XXXX XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action
12/16/2020 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Impersonated attorney, law enforcement, or government official
  • AZ
  • 85037
Web
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. XXXXeporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
09/10/2019 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • GA
  • 30039
Web
I have no idea who Caine & Weiner is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. Caine & Weiner is indicating that an account with the account number XXXX was opened with their company in XX/XX/2019. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. I REQUESTED INFORMATION FROM CAINE & WEINER AND THEY DID NOT REPLYWhen a debt collector engages in the collection of “DEBT” they must provide copies of the following items:1. Provide a certified copy of the complete credit application that “debtor” signed to secure the credit with your entity.2. Provide signed verification of each transaction that is part of the alleged cumulative debt.3. Provide the contract or other instrument through which [Alleged Creditor } authorized Caine & Weiner as third-party collection agent.4. Provide a true and correct copy of the instrument by which [Caine & Weiner } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States (31 U.S.C. § 9101).5. Provide the delegation of authority from the Director of the Office of Management Budget to Caine & Weiner, that authorizes your company to settle accounts of the United States (Public Law 104-316).6. Provide the Certified Assessment Certificate. Violation(s):* Failure to provide a notice prior to reporting negative information to a credit reporting agency (CRA).* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency (CRA).* Failure to provide an Opt Out Notice.* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice.* Sharing Non Public Information (NPI) without providing an Opt Out Notice
07/27/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was paid
  • SC
  • XXXXX
Web
On XX/XX/2020, I helped my son use his XXXX XXXX gift card to purchase a guitar online. The item was paid for, in full, with the gift card. Since I was not the individual who gave my son the card, and was therefore unsure of exactly how much money was on the card, I called XXXX XXXX directly after purchase, ( XX/XX/2020, at approximately XXXX XXXX EST ) to clarify the amount available on the gift card & to make sure the purchase had gone through. I was told the gift card transaction was viable, and that the item would be shipped in 2 days. Please refer to voice recording of this call. I received an email on XX/XX/XXXX signifying my order was ready for pick-up at the store. I went into the store located at XXXX XXXX XXXX XXXX, XXXX SC, and picked up the order. The clerk told me the receipt for the order was in the box, that it was fully paid for. There was no receipt. On XX/XX/XXXX, I was contacted by XXXX XXXX resolution center, indicating there was a discrepancy in the collection of the guitar balance- that I owed the {$540.00} paid in full by the gift card. I worked for weeks trying to resolve this issue with XXXX XXXX, to no avail. I sent copies of : -online receipt -pick-up confirmation -order details, all documentation indicating the order had been paid in full. XXXX XXXX sent me a blank invoice statement, without my name or order number, as proof that the money had yet to be collected. XXXX XXXX representatives gave me the name and number of their Point of Sale provider, who I also tried to contact in an attempt to resolve the problem. I was only told there was a remaining balance left on the card. XXXX, XXXX I am turned over to a Collections Agency . I call and communicate with the CA in a transparent, goodwill attempt to finally resolve issue. Collections Agency continues to pursue " debt '' though I have incurred NO DEBT and have sent the agency receipts and dispute letter. I am filing this complaint in an effort to safeguard my credit report and score. The agency should not continue to try and erroneously collect money from me.
02/08/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NJ
  • 070XX
Web
Caine Weiner is reporting inaccurate information on my XXXX XXXX Consumer Report. Ive reached out to them several times asking them to validate their alleged debt. They claim they have sent me several responses which is not true. They have send me verbiage one time which is a copy of a bill which proves nothing. I asked them to send me an agreement bearing my signature showing terms that I took on this alleged debt. A copy of a bill is not that. I sent them a letter in XXXX letting them know their option and the options I will take if this is not rectified. Caine & Weiner recently responded to the CFPB with this information below. Our office received an account from the creditor XXXX XXXX with respect to this consumer in XX/XX/XXXX for recovery of unpaid auto insurance premiums. Please note the balance due was not owed to Caine & Weiner. We were unable to reach the consumer by phone. Our records indicate that the creditor still shows the balance as due by the consumer. In XX/XX/XXXX in response to a credit bureau dispute our office mailed the consumer correspondence detailing the policy number, vehicle types and coverage dates specific to this account for review. The policy was cancelled in XX/XX/XXXX. Creditor records indicate coverage was provided for multiple vehicles including a XXXX XXXX XXXX and a XXXX XXXX XXXX on a policy ending in XXXX and that a payment made in XX/XX/XXXX was insufficient to cover the premium balance due at the time of cancellation of the policy. In XX/XX/XXXX and again in XX/XX/XXXX our office mailed the consumer a copy of the final bill sent by the creditor to the consumer at the time of cancellation of the policy. Our files shows closed under a disputed status. We do not show any active credit bureau reporting on this account. We encourage the consumer to contact our office at XXXX XXXX for additional assistance. Im uploading 1 page of my XXXX XXXX credit report showing Caine & Weiner actively reporting to XXXX XXXX along with the letter I sent certified mail to Caine & Weiner. WHERE IS MY PROPER VALIDATION?
01/06/2021 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Attempted to collect wrong amount
  • CA
  • XXXXX
Web
Debt Validity Dispute I started working as a XXXX in a XXXX XXXX on XX/XX/XXXX, I signed a new contract ( including a credit app ) with a company ( XXXX ), this supplier will provide our XXXX with their products ( XXXX XXXX XXXX, and XXXX ). we got a new account number ( XXXX ), and they supplied our store with their product for more than two months, after that XXXX sent me a letter on XX/XX/XXXX that we have an unpaid balance amount of XXXX $ for the period XX/XX/XXXX to XX/XX/XXXX, I contacted them on the same day and clarify that there are two different accounts for the store, owned by different persons ( XXXX Before XX/XX/XXXX and XXXX after XX/XX/XXXX ). unfortunately, No response from the company. I have Emails show that the second account is fully paid. After one month a collection company contact me on XX/XX/XXXX, they asked me to pay the unpaid balance, I explain to them that the balance you asking for is not mine because it is very clear the credit app I signed as a personal guarantor for the store dated on XX/XX/XXXX and the balance you asking for is before this date, so how I will be responsible for a debt owed before I signed the credit app, and the account number for the unpaid balance is different ( XXXX ), I provided the collection agency with different documents proofing my statements and what I alleged, they reply by an email after two days ( thanks for the detail ) with only one sentence, I thought that they understand the situation and decided to stop considering me accountable for this debit, and the story end. But after three months, on XX/XX/XXXX I received an email from my bank mentioning a negative activity on my credit score, I checked my account and I found an open collection By ( Caine & Weiner ) for the creditor XXXX XXXX, I requested verification documents for the debit from the collection company on XX/XX/XXXX by email, and the second time I sent an email on XX/XX/XXXX and a certified mail on XX/XX/XXXX requesting the verification documents, Unfortunetlly No any documents sent to me or mailed.
04/11/2020 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • XXXXX
Web
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following account be verified or removed immediately. Collection Agency : Caine & Weiner Company Original Creditor : XXXX XXXX Balance : {$160.00} I requested that Caine & Weiner Company USA provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay Provide me with copies of any papers that show what you say I owe Provide a verification or copy of any judgment if applicable. Identify the original creditor. Prove the Statute of Limitations has not expired on this account. Show me that you are licensed to collect in my state. Provide me with your license numbers and Registered Agent. Answers to these questions were requested also : Who is the current owner of this alleged debt? Who is the original creditor for this alleged debt? If XXXX XXXX XXXX is the current owner, when was it purchased? Who was it purchased from? Have you assigned the alleged debt to another entity for collection? If so, to whom was it assigned and when? Have you sold or otherwise transferred this alleged debt. If so, to whom was it sold and when? In my XXXX letter to Caine & Weiner I requested that they provide the statements and documentary evidence for validation of this account.
11/05/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • GA
  • 30341
Web
Hello, your company is committing extortion against me by reporting to non-affiliated third parties coercing me to pay an alleged debt. In addition your company has violated me per 15 US code 6802 : ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. Also your company did not provide full disclosure, required under TRUTH IN LENDING, of my ability to opt out of any sharing of my nonpublic personal information with non-affiliated third parties : ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.The only credit bureau is the CONSUMER FINANCIAL PROTECTION BUREAU. Your company did not have my written consent or fully disclosed permission to share my non-public personal information with any third party such as a credit reporting agency. YOUR COMPANYS ACTIONS ARE NOT LAWFUL CONSIDERING I WAS NEVER PROVIDED FULL DISCLOSURE. Your company has been implicit in harm against me and my financial reputation and I will seek remedy for my damages through legal procedures if this matter is not rectified immediately. This is my final attempt to resolve damages you have caused me before filing for arbitration.
08/31/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • PA
  • 19050
Web Servicemember
This is in response to CAINE AND WEINER verifying a account. The account they are reporting under my name is inaccurate. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of their re- investigation. Additionally, please have them provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. Any automated response oXXXX XXXX verification is unacceptable. I am requesting a reinvestigation AND there Method of Verification. Be aware that I am making a final goodwill attempt to have XXXX XXXX XXXX clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in there reporting. I am maintaining a careful record of my communications with them for the purpose of filing another complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should CAINE AND Weiner continue in there non- compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), they may be liable for willful non-compliance. Failure to respond satisfactorily within 30 days of receipt of this complaint may result in a small claims action against CAINE AND Weiner, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX P.S. Please be aware that dependent upon CAINE AND Weiner response, I may be detailing any potential issues with this company via an online public press release, including documentation of any potential small claims action. This account is not mine and a bill is not verification.
04/22/2023 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt was paid
  • NJ
  • 07109
Web
On XX/XX/XXXX I purchased a new XXXX XXXX XXXX in full. I then purchased that same day an insurance policy with Progressive Auto Insurance, which I also paid a full term of insurance in 1 full payment in the amount of {$5900.00}. My policy number was XXXX. Now its very important to know 2 very important things that have Progressive contradict their arguments about me owing any amount of money to them : 1 ) my policy went into effect on XX/XX/XXXX, XXXX XXXX, XXXX approximately a month after purchasing my new vehicle due to the dealership needing to ship it from California because I discovered the vehicle on Fords website and was willing to be patient enough to wait. 2 ) its not possible to owe progressive auto insurance or owe money for anything that includes progressive insurance because I have only had progressive insurance for the one aforementioned policy/period above in XXXX ( on my credit report it shows a complete different year of coverage in XXXX ). Which means that I didnt make only one payment for auto insurance in full satisfaction. I have concrete proof of everything that I explained to a T, because I will be attaching the all applicable documents of my policy declaration which corroborates everything that Im disputing directly disproves any monetary value owed to Progressive insurance. Despite me having to explain everything that I am explaining now for the 4th time & be denied by XXXX of the obvious mistake that is negatively impacting my credit score Im trying so hard to develop responsibly. It remains a heavy burden on growing my credit score effectively and progressive seemed to only care about me as a customer when money was involved. So now a collection company is involved Caine & Weiner harassing me and ruining my progress made with my credit score for the owed amount {$1400.00}, I have proof that I paid every XXXX in one single transaction. I demand justice and the right course of action be taken to remedy this situation please. Thank you.
09/27/2020 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • FL
  • 33025
Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX : ( XXXX ) XXXX Dated : XX/XX/2020 To Whom it May Concern : On or about XX/XX/2020, I notice a inaccurate collection account on my credit file from Caine & Weiner. I immediately made contact with Caine & Weiner and notify them that I have no knowledge of this dept and I am requesting validation. I did not received a letter or a phone call from the original creditor or Caine & Weiner prior to this dept appearing on my credit file. Instead of Caine & Weiner producing the documents requested, they went ahead and updated the information on my credit file on XX/XX/2020, stating that the dept belongs to XXXX. This is a clear violation of the FTC, CFPB and the FDCPA. While speaking with the representative on XX/XX/2020, I requesting the documents, the rept gave me another name stating that company was in charge of the dept of my file which turns out to be Caine & Weiner. The rept tried to provide false information to me. I requested : On XX/XX/2020, I requested following : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful. To date, I have not received any documentation from Caine & Weiner that was requested. This is a clear violation of practice. Respectfully Submitted, XXXX XXXX C/O State attorney General Office XXXX XXXX XXXX
08/17/2022 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • NY
  • 11216
Web
I informed Caine & Weiner in writing in response to an SMS text message on Tuesday, XX/XX/2022 at XXXXXXXX XXXX XXXX that I do not have a XXXX account and that they are not to communicate with my phone number via SMS or phone call. On Tuesday, XX/XX/2022 at XXXXXXXX XXXX XXXX, I was contacted again via SMS at my phone number with a message saying Caine & Weiner is here to help you resolve your XXXX XXXXXXXX XXXX account. Please contact me to discuss your options. XXXX XXXX XXXX XXXX XXXX online at XXXXXXX XXXXXXXX XXXX I responded on Tuesday, XX/XX/2022 at XXXXXXXX XXXX XXXX saying, You have already been informed in writing to not contact this number. I do not have a XXXXXXXX XXXXXXXX account and I am not affiliated with a company that has a XXXXXXXX XXXX account. I am formally complaining to the CFPB about your contact after I informed you in writing to not contact this number. I will be sending screenshots of this conversation as well as my phone records. Since those messages were sent, I have been receiving sometimes more than three phone calls a day from Caine & Weiner regarding collecting this debt that is not mine. I also informed them more than once that the debt is not mine and to stop contacting me. On XX/XX/2022 at XXXX XXXX XXXX, I received another SMS text message from Caine & Weiner saying, Please contact me about your balance due to XXXX XXXX XXXX XXXX XXXX XXXX online at XXXXXXXX XXXX XXXX I replied on XX/XX/2022 at XXXXXXXX XXXX XXXX saying, Another complaint and screen shot is being sent to the CFPB. IT HAS ALREADY BEEN REQUESTED IN WRITING THAT THESE COMMUNICATIONS STOP IMMEDIATELY. IMMEDIATELY STOP ALL WRITTEN, VOICE ( PHONE CALL ), AND MAIL COMMUNICATIONS TO THIS NUMBER AND ANY EMAIL OR PHYSICAL ADDRESS ASSOCIATED WITH IT. There is no message saying that the sender is not able to receive SMS communications thus it has been communicated multiple times that the messages and phone calls must stop as this is not my debt.
07/31/2020 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CO
  • 80229
Web
Dear Sir or Madam, recently I was unpleasantly surprised to find that my credit score had gone down a lot because of the collection agency " Caine & Weiner ''. Until now, because of the way " Caine & Weiner '' conducts business I thought that the person who was calling me back in 2017 was just a scummer trying to get to my bank account. Each time he had called me I ask him to identify himself but not over the phone. Each time he had called me, I'd told him if he was who he said he was, he should follow the FCRA legislation, as a collection agency, there are some steps to take prior to contacting any " delinquent '' over the phone. I told him that, " the consumers have 30 days from the initial communication about the debt ( for example, the first letter received explaining the debt is in collections ) to call the collector and ask for the debt to be verified in writing. The collector must return your request before it can start trying to collect the debt again. '' Because in my case the initial communication was missing, I asked him to send me a letter with all the information 's just to prove he was who he said he was and also I wanted to see the statement, the invoice, from XXXX XXXX, that reflected my " delinquent activity '' with the bank, knowing that my XXXX XXXX Credit Card issued by XXXX XXXX as well as the other Credit Cards issued by XXXX XXXX like XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX were in good standing at that time and still are in good standing at the present. Every single time he had called me, his first question was if I was ready to make a payment and what card or bank account I was going to use, not just disregarding my request to prove who he was, but actually telling me he wasn't gon na send me any letter with all the pieces of information I was asking for, making me believe that he was just another scammer. I hope he still has all the recorded conversations to prove everything I write down in this statement.
01/29/2016 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt resulted from identity theft
  • FL
  • 33415
Web
CAINE & WEINER ACCOUNT NUMBER : XXXX XXXX/XXXX/XXXX Phone : ( XXXX ) XXXXFax : ( XXXX ) XXXX ADDRESS : XXXX XXXX XXXX XXXX # XXXX, XXXX, IL XXXX Dear XXXX : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify CAINE & WEINER or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : CAINE & WEINER or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
09/17/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • FL
  • 33024
Web
On XX/XX/2020 a collection account has been wrongfully placed on my credit report BY your office and you are being held responsible from here on your currently reporting is CAINE WEINER for {$100.00} to whom this may concern I want to inform your office that you are in violation of fcra and fdcpa. you have violated my rights by reporting salse inaccurate information by placing these false accounts on my consumer credit report..the list of collection that are reporting has not been opened by me I have no knowledge of them, be advise by law I have the right to PRIVACY and you the credit reporting agencies have violated it..the list of accused collections accounts and dates FOLLOW AS : CAINE WEINER for {$100.00} opened XXXX XX/XX/2020 for {$100.00} ..BY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELTED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : XXXX, XXXX AND XXXX ARE CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 1681 Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods and undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It Is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. personnel, insurance, and other information In a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapt
06/18/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • TX
  • 77065
Web
I exercised my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. In compliance with this method of investigation request, I asked on multiple occasions that Caine and Weiner AND XXXX provide ALL THREE of the following : 1. The description of the procedure used to determine the accuracy and completeness of the information. 2. Name, address, and telephone number of each person contacted regarding this alleged account. 3. A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them ( CAINE & WEINER ) the exact amount claimed. Unfortunately, they never provided me with this information that I requested, specifically asking HOW they validated this debt. Instead, they keep adding this account to my credit report preventing me from improving my credit report among other financial obligations that I have and am trying to obtain. The dates that I sent letters regarding this instance are as follows : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. They are claiming I owe Caine and Weiner {$170.00} and reporting on my account, " meets FCRA requirements. '' No, it does not. It can't meet FCRA requirements if you can't validate the debt and show proof. If I am not mistaking, the FCRA requires that ALL data reported on a consumer must meet 3 very specific criteria : it must be 100 % accurate, 100 % verifiable and 100 % timely. Since they failed to provide me the information I requested, this is not 100 % verifiable and my credit report and character is being played with.
05/25/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • AR
  • 72204
Web
Since XX/XX/2020 I have been in a constant resistance from the credit bureaus and collection agencies involving none responses from disputes stemming from myself who has been a victim of identity fraud. FTC report # XXXX and report # XXXX included specific, detailed, information regarding fraudulent related accounts appearing on my credit report. I have not received any correspondence in regards to claim and it has been well over 30 days. There are several fraud related collection accounts ( Caine & Weiner, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ) that are appearing randomly on my credit report without me have receiving any INITIAL 5 DAY NOTICE of a collector obtaining a debt. These accounts were not listed on my credit report in XXXX of 2020 and but yet are appearing on my report to this day. In addition XXXX, XXXX, and XXXX has not removed the FRAUDULENT ADDRESSES from my credit file as per requested either which is a deliberate refusal to honor a consumers request. are some of the accounts that were opened due to identity fraud that still remain on my credit file. Under the Fair Debt Collection Practice Act ( 1692g ( a ), Fair Credit Reporting Act and Fair and Accurate Credit Transactions Act per sections 605b, 609, 611, & 623 my rights have been violated. I am familiar with the law due to my own research so accusing me of using a credit repair company is unjust and won't hold up in court. Your data furnisher or metro 2 verification system only uses general information in formats of codes ( name, social, date of birth, address ) meaning any individual with access to that information would be able to pretend that they are me and easily commit identity fraud. Since XXXX, XXXX, and XXXX has all violated my rights and I have specific proof, I've given them the opportunity to remove these accounts or my information will be forwarded to a consumer attorney for legal proceedings.
03/16/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NY
  • XXXXX
Web
Notice to all, I am that I am, the consumer in fact, natural person, creditor, lender, executor, administrator, holder in due course of any and all derivatives thereof for the Surname/given name XXXX XXXX XXXX XXXX and have been appointed and accept being the executor both public and private for all matter proceeding, and I hereby claim that I will XXXX XXXX XXXX XXXX and autograph as the agent, attorney in fact, so be it ; 1. It is a Fact that afant is the only natural person with rsthand competent knowledge of the facts of this transaction. 2. It is a Fact that afant is a consumer as dened in the Fair Debt Collection Practices Act specically, Title 15 USC 1692a ( 3 ) because afant is a natural person. I am writing in regards to the XXXX data breach & the subsequent compromise of my personal information. Pursuant to Title 15 USC 1681 ( a ) ( 4 ) your company failed to ensure that the information on my consumer report was accurate failed to exercise their responsibility with fairness & impartiality. Upon reviewing my report, I discovered fraudulent account opened using my personal information which is a result of the data breach any legal means, including power of attorney fraud. I demand immediate action to secure my information & prevent further identity theft in accordance with the FDCPA is protection of my privacy I demand that all fraudulent information be removed from my report within four business days, per FCRA section 605B & title 15 USC 1681 C2. I do not give consent for any information to be furnished without my authorization per title 15 USC 1681 604 ( A ) ( 2 ). I expect any violations on my consumer rights to be a dress with fairness and impartiality. With all these violations listed and fraud found I may start the administrative process. However, I will give your company the ability to settle out of court or you will be held liable for all damages. Conduct yourselves accordingly. XXXX
09/18/2021 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • MS
  • 39503
Web
on XXXX XXXX, i sent CAINE WEINER a letter about validation of the alleged debt of XXXX that i don't owe.It was sent usps certified mail w/tracking # XXXX XXXX XXXX XXXX XXXX and it was delivered on Delivered : Tue, XX/XX/XXXX, XXXX XXXXCAINE WEINER sent me a document in the mail claiming that i owe a debt. on XX/XX/2021, i sent them a letter usps certified mail w/tracking # XXXX XXXX XXXX XXXX XXXX requesting the validity of the alleged debt of {$490.00}. they have violated my rights as a consumer. Pursuant to the FDCPA specifically 15 USC 1692g, it states ; Within 5 days after the initial communication with a consumer in connection with the collection of any debt, a debt collector SHALL unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing. ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed, ( 3 ) a statement that unless the consumer, within 30 days, after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within 30 day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt and ( 5 ) a statement that, upon the consumer 's request within the 30 day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor, CAINE WEINER has failed 3-5 and therefore, is in violation of the law. not only did they not include it in the initial communication, they failed to send it within 5 days.As you can see the date was XXXX XXXX and today is XXXX XXXXattached is the letter i sent to them about the alleged debt and i haven't heard from them as of yet.
11/30/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • AL
  • 35806
Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Account Number : XXXX Dear Collector : I had sent you a request to validate my debt, account number : XXXX on XX/XX/2023. According to the Fair Debt Collections Practices Act ( FDCPA ), I have the right to claim a validation of the debt and you are obliged to provide me the relevant documentation. I have received no reply from you, whereas the other credit bureaus have sent their " verified '' document. You are now in violation of the FDCPA and subject to a fine of {$1000.00} ( refer to the act for updated value ), which I may collect by filing a claim. I intend to continue with the suit if I don't hear back from you within the coming <10-15> days. This might result in a bad mark on your reputation and possibly legal trouble with the FTC and other state and federal agencies. PLEASE TAKE NOTE OF THIS Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have, except to provide me with accurate verification of this debt by U.S. mail only. I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and XXXX XXXX XXXX XXXX to have confirmation of proof if you respond without the proper validation request or not in the 15 day timeframe you have. You have 15 days from the date of this letter to respond with all items requested or this is considered an insufficient validation response and this item must be removed immediately or I will seek litigation for Monetary damages. . Sincerely, XXXX XXXX
06/30/2023 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • KS
  • 672XX
Web Servicemember
On XX/XX/2023 I paid a debt in full to Caine and weiner, at the time that the debt was paid in full, I was told by the debt collector that the debt would be removed from credit account within 7 to 9 business days and that I would receive a confirmation email within 30 minutes. I never received the email, the debt was not removed from my credit report as stated. When I called back Caine Weiner I spoke with XXXX XXXX who was a XXXX, he stated the representative who took my payment gave false information and I would not be receiving an email or a letter of payment to remove the debt, XXXX stated I could call back in a few days and he would handle the email confirmation. I called back on XX/XX/2023 to receive the payoff confirmation, XXXX XXXX did not answer, a representative named XXXX XXXX said she would get XXXX on the line to help, she did not mute her phone and I heard XXXX state, Im not talking to her. I was then hung up on. I called back and was sent to voicemail 5 times. I called again and spoke with XXXX, she said she would get XXXX on the phone and agreed the behavior of misrepresentation from the XXXX customer service representative that took payment and XXXX was unethical, she tried to connect me with XXXX, it went to voicemail. I called back in and spoke with XXXX, she stated they would not speak to me because I stated I really didnt want to get an attorney involved but if they continued to misrepresent information and refuse to send me an email with confirmation of my payment then that would be my only option to protect myself as a consumer who had been lied to and taken advantage of. The company Caine and Weiner will no longer answer calls, it goes straight to voicemail. They lie to collect debts and give false statements about the amount of debts and the disposition of your credit after paying the debt. Do not work with this fraudulent company.
03/08/2023 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • NJ
  • 07111
Web
This company Caine & wiener I have no knowledge of is reporting a collection on my credit. According to 25 usc 1692g validation of debt a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. Im requesting proof of licensing to collection debt in NJ and description of procedure used to verify this account.
11/29/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • IL
  • 60462
Web
On XX/XX/23, I sent a certified letter of validation of debt ( I can provide reciepts and tracking number as needed for proof ). The contents of the letter is stated below : To Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). Provide breakdown of fees including how you calculated what you claim I owe. Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. Send me proof that you are licensed to collect debt in my state. Send this information to my address listed above and accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA. Furthermore, I am requesting you to provide the following items as follows : Send me a detailed list of the history of payments made by me on this account Show me the signature that I put on the contract that states I agreed to pay you Show me any and all insurance claims filed on this debt Provide me with the chain of title that authorizes you to collect on this debt I will await your reply with the above requested proof. Upon receiving it, I will correspond back with you. They have negatively reported a false balance on my XXXX credit report for an account I have no knowledge of. I attempted several times to dispute this collection with the credit bureau to no avail. This company has refused to respond to my letter of validation of debt and is continuing to falsely report a collection that I do not own. I am sending a second certified letter today demanding they remove this false collection from my report immediately for failure to respond to my original correspondence sent XX/XX/23.
05/14/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • PA
  • 19150
Web
This is in response to an unfamiliar listing on my credit report. This is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), stating your claim is disputed and validation is requested. This is NOT a request for verification or proof of my address, but a request for VALIDATION. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have reported invalidated information to the credit bureaus and this action constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the FCRA Violation of the FDCPA Defamation of Character If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with a lawyer to file suit This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. It would be advisable that you and your client assure that your records are in order before I am forced to take legal action.
11/11/2023 Yes
  • Debt collection
  • Telecommunications debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 77070
Web
Subject : Request to Cease Contact Regarding Alleged Debt Dear Sir/Madam, I hope this letter finds you well. I am writing to address an ongoing issue that I have been experiencing concerning the receipt of letters from your office regarding an alleged debt. I would like to inform you that I have never entered into any contractual agreement with your company, and therefore, I do not owe you any debt. As a third-party debt collector, it is essential that you understand that I have thoroughly reviewed my financial records and have found no evidence of any outstanding debt owed to your company. I kindly request that you stop calling and mailing me regarding this matter immediately. I have taken the time to educate myself about consumer laws and my rights in such situations. According to the Fair Debt Collection Practices Act ( FDCPA ), in order for any alleged debt to be considered valid, there must be a valid signed contract between the debtor and the collector. As I have not signed any contract with your company, it is XXXX clear that I do not owe you any debt. I kindly request that you respect my rights as a consumer and cease all communication with me in relation to this alleged debt. Additionally, I would appreciate it if you could remove any negative information related to this debt from my credit report, as it is incorrect and misleading. Please understand that any further attempts to contact me or any failure to comply with my request will be considered a violation of the FDCPA, and I will not hesitate to take appropriate legal action to protect my rights. Thank you for your immediate attention to this matter. I expect to receive written confirmation from your office within 30 days acknowledging that my request has been honored and that all contact regarding this alleged debt will cease. Yours sincerely,
08/16/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Was not notified of investigation status or results
  • FL
  • 335XX
Web
Dear Sir/Madam : I am writing to complain and report XXXX XXXX XXXX for trying to abuse the credit reporting process to extort and coerce me into paying a debt I do not owe. XXXX has engaged a Cain and Weiner - a debt collection agency - to recover non-existent a {$410.00} debt claim. I've called and written Cain and Weiner to dispute, complain, and demand that the debt claim be fully removed from my credit record with the three credit reporting bureaus. Yet the debt is still showing on my record even though qualified as disputed. This debt claim is not legitimate or valid whatsoever. My transactional interaction with XXXX XXXX XXXX is as follows : On or about XX/XX/XXXX, I paid XXXX XXXX XXXX {$870.00} for 6 months policy coverage per their quoted premium ( Exhibit A ). Full payment was made via ACH on XX/XX/XXXX. Sometime in XX/XX/XXXX, XXXX XXXX XXXX tried to increase the premium which I rejected. I informed XXXX XXXX XXXX of my decision to cancel the policy and did so on or about XX/XX/XXXX. Upon cancellation of the XXXX XXXX XXXX policy, I purchased another policy for the same vehicle with XXXX XXXX effective on or about XX/XX/XXXX XXXX Exhibit B ). I exercised my legal right to cancel the XXXX XXXX XXXX auto policy before the end of the term for which Id fully paid. I dont owe XXXX XXXX any debt. Neither the company nor its collection agent have explained to me the basis for this debt claim? I respectfully request an investigation into this debt claim. XXXX XXXX XXXX should provide the basis for the claim if one exists and any supporting evidence. Otherwise, this false item should be expeditiously removed from my credit record entirely. Failure to do so would be an abuse of the credit reporting process designed to extort and coerce me into paying a debt that I consider totally invalid and not responsible for.
11/16/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NY
  • 11706
Web
have reached out to Caine & WEINER. They have failed to provide proof of validation regarding a debt that does not belong to me. They have furnished this alleged debt on my consumer report and have failed to validate the alleged claim pursuant to Sec. 809 ( b ) of the Fair Debt Collection Practices Act and according ************* you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. I demand this item be removed from my credit report immediately. Caine & WEINER you are furnishing inaccurate and incorrect information to the consumer reporting agencies. The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. You and your inaccurate reporting have damaged my livelihood. ** **** Code ******* - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact. Prohibition : a law or regulation forbidding something As Defined by The IRS Even if you didn't receive a Form ******* you must report canceled debt as gross income on your tax return. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate!
04/28/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was paid
  • ID
  • 836XX
Web
On XX/XX/XXXX I fell victim to an online scam. I did not know that it was free to apply for an EIN number with the IRS so I filed it on a website that appeared to be the IRS and was charged a {$240.00} filing fee. After the fact, I learned that its free to file on the IRS website so I contacted them on XX/XX/XXXX and asked for a refund. I was offered {$200.00} of my money back and I said no I want a full refund, she said she would talk to her manager. After talking to her, she then sent me an email saying she would forward my refund request over to the manager. We got an email and a text message later that night stating that I was refunded the full {$240.00}. I have the email from the business stating that I was refunded for my order. Four days after receiving the refund on XX/XX/XXXX we get an email to our business email address from Caine and Weiner collections agency in Texas. The business who frauded me out the {$240.00} ( XXXX XXXX XXXX XXXX ) is now coming after us for the money they refunded plus fees to the tune of {$370.00}. This original business never once contacted us to get the money back that was settled, they went straight to a collections agency for a debt not even owed. I have a screenshot of my bank statement as the charge was pending on my account. They ended up canceling the charge while pending so it dropped off my bank charges, but I have the screenshot with proof that it was originally paid and the proof via email from them that it was willingly refunded. The collections agency is now coming after us over a debt that doesnt even exist. I am stopping all contacts after sending them an email demanding a physical copy of the debt that is owed and proof that they are a legitimate collections agency. Once I get that letter I will send back all of my proof that this is a debt not owed.
11/12/2018 Yes
  • Debt collection
  • Other debt
  • Threatened to contact someone or share information improperly
  • Talked to a third-party about your debt
  • KY
  • 40241
Web
My daughter called Caine & Weiner on XX/XX/XXXX around XXXX XXXX, acting as me I guess to find info on this. They did not verify info to make sure it was me. they released to her the Creditor and the balance and continued to discuss the file with her. i did not like that this was done. So, I called them on XX/XX/XXXX around XXXX XXXX I then find out and I called them and asked straight off to spoke with a manager or supervisor, i was transferred 2 times. I spoke with a supervisor and off the bat when i explained the issue, he stated they did not have to verify and became combative. I told him before a debt collector gives any info they have to verify info to make sure they are speaking with the correct person. That is FDCPA Law. He stated what info was released to my daughter. I told him the creditor and the balance. he stated they don't have to. I told him i am in collections. He then started to ask me, first party, third party what type am I in. I told him Legal. i work for an XXXX office, the same as him. He said well then you know. i said yes i do know. I know per FDCPA that you have to verify last 4 of social and date of birth before you speak to anyone to make sure you have the correct person. I told him that i will be reporting this and that the call recordings they have will show that a violation was made. He proceed to tell me their calls maybe recorded. I told him i know all calls are recorded, that is how they can monitor if the collectors stay in compliance to the law. the hole time we were talking he was talking over me. I had told him i was reporting this issue. He did not like my response. There is no telling how many times they have broken the law. I do not appreciate my personal information given to anyone even my daughter. Verifying people is a Key point in a collectors job.
11/07/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • PA
  • 168XX
Web Older American, Servicemember
I bought a coin from XXXX XXXX..I placed payment with my credit card company.. I did not receive product after reasonable time and placed a dispute with credit card company and payment to XXXX XXXX, XXXX TX. After extended time and communication with XXXX XXXX.. Received product. I called both credit card company and XXXX XXXX to release funds to XXXX XXXX. All XXXX had to do was contact my credit card company and funds would be released.. They failed to do that.. I contacted XXXX XXXX and they said they never ran into this problem and did n't know what to do ... Ha Ha ... I then contacted my credit card company and they cancelled the transaction. I then sent XXXX XXXX a check for the full amount. It was sent Priority Mail with delivery confirmation. It was delivered on XX/XX/XXXX ... As of this date they have not cashed the check ... .... But they did turn my name over to a collection agency Caine & Weiner ... That company wants payment threatening to send in a negative report to the credit bureau ... Along with that phone calls.to my home and cell .... I have attempted to pay XXXX and for whatever reason they will not cash my check.. I have no intention of paying to have the check cancelled and sending one to this supposed collection agency.. I just want them to cash my check and leave me alone.. FYI there are an outlandish amount of alerts for deceptive business practices filed against XXXX .... Not sending products paid for .... Saying products returned were nothing but empty envelopes .... Changing prices for products after purchase ... An interesting note is XXXX XXXX will not respond to communication attempts ... However they did send my name to a collection agency in less than 45 days from my initial purchase .... And without contacting me first .... A little quick on the trigger ...
02/26/2020 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • XXXXX
Web
Hello On XX/XX/2020 I received a letter from this company claiming I owed them money. I sent them a certified letter ( XXXX ) on XX/XX/2020 as FCRA states is my right and they must comply with if exercised. Requesting important information to validate there claim. On that request i asked them to sending me copies of the original documents that show I agreed to pay the alleged amount and or entered into any agreement with them or the company that they claim to represent. Also requested them to provide me there license numbers and documents as this companies registered agents. On XX/XX/2020 they sent me a statement with there letter head showing what i allegedly owed, the name of the company that they represent, and some insurance policy # info starting and ending date and cancel date. They did not send copies of the original documents that show I agreed to pay the alleged amount and or entered into any agreement with them or the company that they claim to represent nor there license numbers and documents as this companies registered agents. Again on XX/XX/2020 I sent a certified letter ( XXXX ) Letting them know i had received there letter but they failed to provide copies of the original documents that show I agreed to pay the alleged amount and or entered into any agreement with them or the company that they claim to represent nor there license numbers and documents as this companies registered agents. On XX/XX/2020 They sent me a letter with an attached Final Bill from the company they alleged to represent. Basically ignoring my FCRA rights to demand proper documentation prior to proceeding. This is clear non willful compliance to the FCRA laws. This is why I am filing a complaint. I have all documents saved if you need them to for evidence. Thank you for your time. Sincerely, XXXX XXXX
05/05/2016 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt resulted from identity theft
  • MA
  • 025XX
Web
In XXXX, XXXX I received an email thanking me for a recent purchase from my XXXX XXXX credit card. I immediately contacted XXXX XXXX and filed a fraud complaint. I live in MA and the purchase was made in XXXX for a camera ... .clearly not mine. In XXXX, XXXX XXXX XXXX deemed it fraud and canceled my XXXX XXXX credit card and issued me a new XXXX. I received the letter from them as well stating the investigation was closed and the charges were removed etc. I did n't hear anything again, until last week. A man named XXXX called me from a cell number after XXXX. I was shocked as he informed me he was collecting a debt on behalf of XXXX XXXX. I proceeded to explain to this man what happened and he said basically, it does n't matter what your telling me, unless you have a POLICE REPORT, I will continue to call you until I collect this debt etc. He was RUDE, RUDE, RUDE, my blood was boiling! I told him I had a letter from them, he said the letter means nothing, get a police report. He stated they had been sending collection bills to me to which I said, " XXXX if I had gotten a collection letter on this, I would 've called immediately, this is NOT MY DEBT, it was fraud. '' He then asked my XXXX XXXX and I told him, bad mistake ... guess what I got yesterday? A collection letter. I have spent the last week and today on the phone with XXXXbank who owns the XXXX XXXX credit card. They have no idea how or why any collections would or could happen as this was NEVER sent to any collection company. They sent the letter stating I was not responsible and advised me to contact you. I am afraid to send any information to this company collection ... ... I am afraid who they are and how they got ANY information and the man was harrassing threatening and rude. I should n't be treated like that.
05/06/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • FL
  • 32233
Web Servicemember
I have a collection charge from XXXX XXXX for insurance that has claimed I owe for a snapshot device. The device I placed in the box that was provided to return this device. I placed the small item in the box they provided and put it in my outgoing residential mailbox for my route carrier from the XXXX to collect and take to the XXXX. The company is claiming I did not return the item and I disputed this collection charge with the credit reporting company and specifically asked to written documentation of the validity of this. I was told that the collection company validated the debt and this is still being reported monthly. There return container did not require me to personally take it to the post office and request a tracking # and did not provide any exceptions to assist XXXX persons like myself with any way to ensure the safe and accurate delivery and I trusted the return address that was pre labeled on original shipment. This item was returned via XXXX using the shipping label and box provided by XXXX XXXX XXXX. I would like to have this collection removed from my credit report and also to stop reporting each month. I am a XXXX XXXX XXXX XXXX with XXXX XXXX XXXX and with no addition or any directions to insure safe and accurate return of item. I have asked for written documentation of the validity of the debit and credit reporting agencies and collection company do not provide. I am told they did not receive the item in return, I am claiming it was placed in approved prepared package. I Do Not agree with the ability of this debt and process of there word of not receiving it. This could infact have been misdelivered on the receiving XXXX persons shift or mishandled by the XXXX. This is not my fault and I completed within my ability and directions per progressive.
05/22/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • MO
  • 631XX
Web
Hello, This my final warning that I explicitly explained to you this account is not accurate and not complete and you have continuously keep reporting this account 15 U.S.C 1681 Section 604 A section 2 : it states a consumer reporting agency can not furnish without my written instructions 15 U.S.C 1692C without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 15 U.S. Code 1692g - Validation of debts ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.
08/25/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • VA
  • 22031
Web
On XX/XX/XXXX, I contacted CAINE WEINER ( collection agency ), regarding an inaccurate item on my credit report. I noticed I had an item being report as a collection item from XXXX. I immediately contacted Caine Weiner ( collection agency ), they stated I had an unpaid balance of {$360.00} that was owed back in XXXX. I made it very clear to them I never had XXXX XXXX for any of my vehicles all my vehicles were insured by different insurance provider. I asked for Validation of this debt a contract signed by me, a copy of my id, and a copy of my ssn as validation. They stated I would have to contact them by mail to obtain a copy of the documents. As instructed by one of their reps I sent in a letter asking for a contract signed by me, a copy of my ID, and ssn. In turn they sent me an invoice showing the balance I owed. I called them stating I received an invoice and not any of the documents I required to validate the debt was truly mine, I contact XXXX regarding this matter and they stated there was no account found with the account number I provided, I mentioned the debt was collected by a collections agency and if that may be the reason they couldn't pull up my account the rep wasn't sure but stated regardless the fact they should be able to pull up an account, I even provided my ssn and vin number to each vehicle and still NO account found. I than contacted Caine Weiner and informed them that XXXX wasn't able to pull any account what so ever with any of the information I provided, they proceeded to tell me that the debt must be paid to them. This is a complete scam! they can't provide proper documentation to a consumer but they are willing to provide an invoice stating you owe them an unpaid debt. Please remove this inaccurate item from my report.
08/30/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • IL
  • 60651
Web
MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS. PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE FCRA, FDCPA, AND TILA ACT DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! Understand that youre under penalty of perjury also. Caine & Weiner violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681 ( A ) ( 2 ), 15 usc 1692j ( a ), 15 usc 1681e ( b ), and 15 usc 6801 ( a ) ( 1 )
10/15/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • FL
  • 331XX
Web
I, XXXX, The natural person and Consumer Citizen is responding to the allegation, mores " lies '' brought about from the following companies : XXXX XXXX XXXX XXXX XXXX, CAINE AND WEINER/XXXX, and XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX . You and the paid third party debt collectors without contracts to collect ( pursuant to 31 U.S. Code sec,3718 ) are in fact caught in a lie and have given all proof needed as to what published within your response. You have failed to mention WHO, the investigative information was obtained from.. in addition, HOW my personal information was obtained, fi not authorized by me pursuant to 15 U.S.Code 1681 ( B ), you've had no Permissible Purpose '' or written consent from me the consumer. This is in fact identity theft, punishable in Federal Court. I have in mailed in second notice of ceasing all REPORTING and providing me with the proof of WHO and HOW investigations were done. These companies have not supplied any evidence to how my information was obtained, only that it was " verified and accurate '' pursuant to 15 U.S. Code 1681 ( A ) ( E ) speaking to personal friends, family, etc is not FACTUAL, none the less third party bureaus buying personal information, all NOT AUTHORIZED BY ME. these companies continue to report inaccurate information in violation of the FDCPA. In all of the companies responses they have failed to mention how, where, or from whom the information was obtained. MY character continues be defamed, willful injury, emotional distress along with my credit and defaming of privacy. Under the 4th Amendment and Federal laws I am protected, my 4th Amendment Rights have in fact been infringed on as my " rights to be secure in my papers " has not been constituted in this matter.
10/14/2021 Yes
  • Debt collection
  • Auto debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MI
  • 498XX
Web
This letter is regarding an alleged account which you claim was placed for collections for {$95.00}. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX, and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum {$1000.00} in damages per violation for : - Defamation - Negligent Enablement of Identity Fraud - Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) - Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
02/14/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 90025
Web
This letter is regarding account # XXXX, which you claim I owe {$150.00}. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
01/20/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • CA
  • 90038
Web
I worked part time for an insurance company called XXXX XXXX as an agent but left the company because I was not selling. I only sold XXXX policies and made a couple of hundred dollars during that time. I do n't remember if I was paid for the XXXX one before I left. When I communicated this to XXXX XXXX the manager of the office, and mentioned I could not cover my expenses and had to put more hours into my other job therefore not allowing me to continue to work there. He offered to pay me a small amount of money to help me cover my expenses while I started to sell more. We had an excellent business relationship. Just recently I got a letter from XXXX XXXX of Caine & Weiner, a debt collection company representing XXXX XXXX. I called and not only XXXX XXXX is arrogant and condescending but could not tell me exactly how I owe {$860.00}. He just listed concepts that might have originated that amount. I explained to him that first of all XXXX never contacted me to collect that or any other amount from me, why was I sent to a collections agency?. The reason of my complaint are : 1. Can a company send me to collections, causing additional fees for the debt collector, when they never contacted me at all before? I did not know I owed them money. 2. Can Caine & Weiner collect money from me without giving me a break down of what I owe? I also contacted XXXX XXXX from XXXX XXXX, company I worked for, to ask for an explanation and he promised that I did not have to worry about anything but Caine & Weiner is still threatening me to sue me and ruin my credit. I left a message on my last phone call but he has n't called me back. Is it legal just to call someone trying to collect money without explaining why?
03/16/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • MI
  • 48326
Web
This is pertaining to XXXX XXXX XXXX XXXX. I enrolled with XXXX XXXX XXXX in XX/XX/XXXX. At that time I had 50 years driving experience and no points on my record. In XX/XX/XXXX I was rear ended by a XXXX that drove off and my car was totaled. XXXX did not investigate the accident being that it was in downtown XXXX with cameras everywhere which they could have easily done and I requested. I had pre-existing medical conditions, retained an attorney and was placed on medical leave. XXXX referred my case to Investigations, accused me of causing the accident which I still don't understand the rationale and made numerous derogatory harassing insinuations. I had no choice but to continue with XXXX who continually increased my premiums from {$200.00} to {$370.00} per month. In XX/XX/XXXX I could no longer afford the payments. The term was XX/XX/XXXX through XX/XX/XXXX. I made all the payments through XX/XX/XXXX. Being that insurance payments are paid in advance of coverage this covered XXXX through XX/XX/XXXX. XXXX canceled the policy XX/XX/XXXX. I insured with another agency XX/XX/XXXX. Since then XXXX has been sending me bills for {$360.00} alleging the XXXX bill. They placed a derogatory rating on my credit report. I disputed the item with XXXX and XXXX has never substantiated the item. Since then XXXX has referred this to Caine Webber Collection Agency who proposed an alleged settlement. When I disputed the amount with them. They sent a XX/XX/XXXX bill. I told them my last payment was in XX/XX/XXXX and then the insurance was canceled. They asked me to substantiate that I had insurance with XXXX. I asked them not to contact me again. I never gave them permission to contact me on my personal email.
03/26/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 77040
Web
CAINE & WEINER COMPANY INC is the collection agency, XXXX INSURANCE is the original creditor. After receiving a collection letter, I immediately called and spoke with XXXX. I was informed to email connectcw.com and I would receive a response. Well, I have not. I also told him I am a victim of identity theft and the debt is fraudulent. When I received the collection letter, I checked the box that reads " check here if you dispute this debt, then mailed it to XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX. '' When I called on or around XXXX - XXXX, the representative was rude, however I still informed XXXX ( rep ) that I am disputing the debt. I have sent letters such as Identity Theft Affidavit, police report ( case # XXXX ), FTC Identity Theft report because the information they are reporting is the result of identity theft, and inaccurate. I have requested that they stop reporting this information to the CRSs as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, and to take them as soon as possible. I also enclosed a copy of the FTC 's Notice to Furnishers which explains their responsibilities when reporting information to CRAs. The countless letters I mailed, I've asked them to PLEASE stop reporting this fraudulent information, investigate this matter, and delete any disputed items as quickly as possible. I also request for a letter explaining their findings and actions. I am a victim of identity theft, and I wrote the original creditor and collection agency to dispute the following charges on my account. On XX/XX/2022, I also notified the XXXX serving XXXX XXXX in regards to my complaint # XXXX. The company hasn't responded, therefore, XXXX closed the case.
06/17/2020 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • PA
  • 19010
Web
I bought insurance for only one driver from the XXXX XXXX but have found a cheaper price from another insurance company. I soon as I cancel my insurance, I was told that I still owe around {$300.00} because additional drivers were added to my policy without my knowledge or authorization. They have no right to add another licensed driver who doesnt live in my place. The point is, they have no right to list two drivers just because they thought they live in my house. After contacting the XXXX XXXX, I was told that their system shows that they might be additional people live on my place, they thought it was my uncle and grandfather so they needed to add them without my knowledge or permission, I told them that my grandfather and uncle never lived in my place. They have their own houses plus my grandpa doesnt even have a driver license he is too old and turned it in for state ID replacement. I was also told by the agent who sold me a policy that it was a mistake possibly based on information XXXX XXXX had from an old insurance policy which was under my grandpa and uncle name and I was an additional driver, but that policy was canceled and done a while ago. Also, the agent who sold me the policy has told me that I didnt owe anything, but recently I found out that they have reported the wrong information on my credit history. I have the right to have their dispute investigated. The XXXX XXXX company is dishonest insurance agents and fraud consumers by adding drivers without the owner of the policy authorization. For that, I needed to pay extra insurance payments. They have no right to put collection on my credit. The XXXX XXXX company was done was illegal activity for consumers.
03/30/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 77040
Web
CAINE & WEINER COMPANY INC is the collection agency, XXXX XXXX is the original creditor. After receiving a collection letter, I immediately called and spoke with XXXX. I was informed to email connectcw.com and I would receive a response. Well, I have not. I also told him I am a victim of identity theft and the debt is fraudulent. When I received the collection letter, I checked the box that reads " check here if you dispute this debt, then mailed it to XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX. '' When I called on or around XXXX - XXXX, the representative was rude, however I still informed XXXX XXXX XXXX ) that I am disputing the debt. I have sent letters such as Identity Theft Affidavit, police report ( case # XXXX ), FTC Identity Theft report because the information they are reporting is the result of identity theft, and inaccurate. I have requested that they stop reporting this information to the CRSs as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, and to take them as soon as possible. I also enclosed a copy of the FTC 's Notice to Furnishers which explains their responsibilities when reporting information to CRAs. The countless letters I mailed, I've asked them to PLEASE stop reporting this fraudulent information, investigate this matter, and delete any disputed items as quickly as possible. I also request for a letter explaining their findings and actions. I am a victim of identity theft, and I wrote the original creditor and collection agency to dispute the following charges on my account. On XX/XX/2022, I also notified the XXXX serving XXXX XXXX in regards to my complaint # XXXX. The company hasn't responded, therefore, XXXX closed the case.
09/23/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • IN
  • 46580
Web
Refer to prior complaint number # XXXX against Caine & Weiner for previous history. Update and new issue - XXXX XXXX had turned me over to Caine & Weiner on a matter of identity theft and fraud. I filed a complaint on XX/XX/XXXX against Caine & Weiner as it is unlawful to turn a fraudulent matter over to a collection agency and it should have never been turned over to begin with. Caine & Weiner responded to the CFPB on XX/XX/XXXX and stated " Closed with explanation - Prior to receipt of this complaint and based upon our conversations with the consumer our office has closed our file as disputed to allow for the consumer and the creditor to resolve the spite amicably. No information has been reported to the credit reporting agencies. The consumer is encouraged to contact our main office at _ and ask to speak with a manager if there are any additional questions regarding the account assigned to our office. The consumer is encouraged to contact the creditor directly with any additional questions regarding the status of the creditor 's file. '' I have been in constant communication with XXXX XXXX since, and they said they rectified the issue on their end. Today, XX/XX/XXXX, three months later, I receive a letter from Caine & Weiner dated on XX/XX/XXXX that the account was paid in full. This is insane. There was no account to begin with! This should never have taken place as XXXX XXXX had no right to turn me over to a collection agency as it was a matter of identity theft and fraud! How can an account that was closed as disputed due to fraudulent identity theft be suddenly paid in full? I called Caine-Weiner, and they stated that the account showed as " PAID '' and not closed!
09/23/2017 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • IN
  • 46580
Web
Refer to prior complaint number # XXXX against Caine & Weiner for previous history. Update and new issue - XXXX XXXX had turned me over to Caine & Weiner on a matter of identity theft and fraud. I filed a complaint on XX/XX/XXXX against Caine & Weiner as it is unlawful to turn a fraudulent matter over to a collection agency and it should have never been turned over to begin with. Caine & Weiner responded to the CFPB onXX/XX/XXXX and stated " Closed with explanation - Prior to receipt of this complaint and based upon our conversations with the consumer our office has closed our file as disputed to allow for the consumer and the creditor to resolve the spite amicably. No information has been reported to the credit reporting agencies. The consumer is encouraged to contact our main office at XXXX and ask to speak with a manager if there are any additional questions regarding the account assigned to our office. The consumer is encouraged to contact the creditor directly with any additional questions regarding the status of the creditor 's file. '' I have been in constant communication with XXXX XXXX since, and they said they rectified the issue on their end. Today,XX/XX/XXXX, XXXX months later, I receive a letter from Caine & Weiner dated on XX/XX/XXXX that the account was paid in full. This is insane. There was no account to begin with! This should never have taken place as XXXX XXXX had no right to turn me over to a collection agency as it was a matter of identity theft and fraud! How can an account that was closed as disputed due to fraudulent identity theft be suddenly paid in full? I called Caine-Weiner, and they stated that the account showed as " PAID '' and not closed!
09/23/2017 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • IN
  • 46580
Web
Refer to prior complaint number # XXXX against Caine & Weiner for previous history. Update and new issue - XXXX XXXX had turned me over to Caine & Weiner on a matter of identity theft and fraud. I filed a complaint on XX/XX/XXXX against Caine & Weiner as it is unlawful to turn a fraudulent matter over to a collection agency and it should have never been turned over to begin with. Caine & Weiner responded to the CFPB onXX/XX/XXXX and stated " Closed with explanation - Prior to receipt of this complaint and based upon our conversations with the consumer our office has closed our file as disputed to allow for the consumer and the creditor to resolve the spite amicably. No information has been reported to the credit reporting agencies. The consumer is encouraged to contact our main office at XXXX and ask to speak with a manager if there are any additional questions regarding the account assigned to our office. The consumer is encouraged to contact the creditor directly with any additional questions regarding the status of the creditor 's file. '' I have been in constant communication with XXXX XXXX since, and they said they rectified the issue on their end. Today,XX/XX/XXXX three months later, I receive a letter from Caine & Weiner dated onXX/XX/XXXX that the account was paid in full. This is insane. There was no account to begin with! This should never have taken place as XXXX XXXX had no right to turn me over to a collection agency as it was a matter of identity theft and fraud! How can an account that was closed as disputed due to fraudulent identity theft be suddenly paid in full? I called Caine-Weiner, and they stated that the account showed as " PAID '' and not closed!
12/22/2020 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened to arrest you or take you to jail if you do not pay
  • OR
  • 97123
Web
XX/XX/2020, Scam artist company called XXXX XXXX pretended to be our copier vendor to sell toner. Without asking them to send any toner or supplies to our company, they sent it anyway. We still have the product in boxes, unused. XX/XX/2020, they send us a bill for around {$520.00}. The new assistant at our office paid this without questioning it. After a week when I caught that she had paid this company without having me authorize it, I had to call our legitimate copier company which they confirmed that we had paid a scam artist and the supplies our copier company has, would always be free of charge since we pay a yearly contract with them. Our legitimate copier company and they confirmed that whoever I spoke to at XXXX XXXX is not legitimate and a scam company. At this point, I had to get a refund from XXXX XXXX because we actually never ordered the product in the first place -- but also, because they are scam artists. I explained to XXXX XXXX that I would be willing to send them the supply of toner that they sent without confirming that we even wanted it sent to us. They said they emailed me the return label but I never received anything. Today ( XX/XX/2020 ), I received a letter stating that they sent Caine & Weiner, a collection company, to collect {$550.00} from us. I looked up CAINE & WEINER and many people have said this was a scam company as well. I am STILL willing to just send this package back to them as long as they pay for the shipping, which they said they would. Now I see that this is how they get their money.. they faked like they sent an email with a shipping label but they don't. Then they send collectors, CAINE & WEINER, out to get the company.
04/22/2019 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 304XX
Web
Caine & Weiner sent me letters about an alleged debt asking me to pay them. They are reporting to the major credit bureaus although they have not sent me any document to prove this debt is mine. I have requested twice by certified letter and these letters are attached with this complaint. I have asked Caine & Weiner to verify the validity and accuracy of this alleged account and they have not sent me any proof of a contract or anything with my signature taking claim of this debt that amounts to { {$300.00} }. I have never had an account with XXXX. I have sent them two Certified dispute letters stating that if they can not verify this account, they should not report or need to remove the account from my credit reports. They have responded once with a letter asking me to pay for this alleged account and have not provided any verification of this debt. They still have nothing binding me to a contract. No proof has been made available to me. So therefore the debt needs to be removed from my credit report ASAP and collection efforts need to stop. I have asked Caine & Weiner to verify the validity and accuracy of this alleged account and they have not sent me any proof of a contract or anything with my signature taking claim of this debt that amounts to { {$300.00} }. I have never had an account with XXXX. This company sent me a statement or letter showing I owe a balance. THey have not sent me anything showing my signature proving this debt belongs to me. I need this company to stop reporting this debt illegally to my credit report. I have also contacted the attorney general as this company has not provided me any documents bearing my signature proving this debt is mine.
01/23/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TN
  • XXXXX
Web
Violated my consumer rights : XXXX XXXX Code XXXX - Congressional findings and statement of purpose XXXX Code ( a ) Accuracy and fairness of credit reporting The XXXX makes the following findings : ( XXXX ) The banking system is dependent upon fair and credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( XXXX ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( XXXX ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter Account Name : Caine & Weiner Account XXXX Account Type : Collection Date open : XXXX Status : Seriously past due date/assigned to attorney, collection agency, or credit senator 's internal collection department. Status Updated : XXXX
09/23/2021 Yes
  • Debt collection
  • Mortgage debt
  • False statements or representation
  • Attempted to collect wrong amount
  • IL
  • 60615
Web
I rented an apartment from XXXX XXXXXXXX in XX/XX/XXXX. The company decided they were not sure about my capacity to pay the rent, so they opted for a monthly lease agreement which means according to them " if incase I am unable to pay my rent, I will be given a month notice to vacate the property and if I also need to vacate the property, I will have to give them a month notice ''. in XX/XX/XXXX, my whole apartment was infested with rodents and I informed the agency in writing, my apartment was exterminated but my son was falling sick and I had to look for another apartment. XX/XX/XXXX, I notified the rental agency by writing and also through phone calls of my intent to vacate the property. They accepted but only to call me on the XXXX of XXXX that my request was not granted because they couldn't find the letter of intent to vacate the property in their mail. I inform them on the XXXX of XX/XX/XXXX that this was an infringement of my right and a very unprofessional way to conduct business. our communication has been attached to this report. They accepted my request in written ( a proof has been attached to this email ) that I would be vacating the property on the XXXX of XX/XX/XXXX. Yesterday XX/XX/XXXX, i got an email from the credit company that a collection was sent on my credit without any prior notice from the collection agency, no calls or emails. this is fraudulent and an infringement on my right and has caused me so much damage. I am in the process of buying a house for my family but with this collection report, my application has been turned down. I did not renew my lease with my landlord so I will be without accommodation for the foreseeable future.
03/04/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • IN
  • 47130
Web Servicemember
I did not give you consent to contact me or to give derogatory remarks on my credit report. I am not liable for this debt. My debt is not with CAINE WEINER. My debt is with the original company. I did not give you consent to contact me! You are in violation of my consumer protection rights. I did not sign and legal form with CAINE WEINER to attempt to collect a debt from me. 15 U.S.C 1692 C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S.C 1692 C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S.C 1681 Section 604 A Section 2 it also states consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) I did not give you permission to contact me in any way shape or form. I demand that you take all derogatory marks off all three credit reports or I will be forced to file legal action. Delete these accounts from my all 3 bureaus of my credit report immediately. And cease all communication via any forms of communication immediately. Also, all future attempts to collect this debt must stop. I dont have a written contract with your company to collect this debt and you have violated my rights for years. I DEMAND YOU STOP CONTACTING ME AND TAKE ALL DEROGATORY MARKS OFF ALL 3 CREDIT BUREAUS IMMEDIATELY!
05/17/2022 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • NY
  • 11205
Web
CAINE & WEINER COMPA ( Original Creditor : PROGRESSIVE ) has failed to send me a response with my requested information for alleged collection account XXXX within the first five initial days of receiving my dispute. I have already been suffering enough with this inaccurate data on my credit report, I prepare ways to circumvent talking about my financial status or shortcomings with everyone from family members to co-workers causing changes in the relationships that have shaped my life until this day. The XXXX that comes with this alleged debt ruining my creditworthiness can not be managed. As a XXXX mother, the financial expectations I am required to meet are unimaginable and it is a no-brainer that if I had the financial boost that good credit offers I would be in better shape to face daily challenges that come with my current predicament. Due to lenders turning down my applications I was forced to move out of my original state and ended up at my current address with no family or close friends to vent to leaving me visiting more social programs to help me deal with my XXXX XXXX XXXX. Now that I contact this company about this alleged debt there is no response?? furthermore CAINE & WEINER COMPA ( Original Creditor : PROGRESSIVE ) is also reporting this alleged debt as an " Account '' which is inaccurate according to USC Title 15 1693A2 Therefore at this point this collection agency is knowingly furnishing false data on my credit report in violation of15 U.S. Code? 1692e. False or misleading representations and I demand them to Cease and desistfurnishing this alleged debt and notify all credit reporting agencies to delete it immediately.
02/03/2022 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TN
  • 382XX
Web
Caine & Weiner did not respond to my verification request within thirty days. I challenged the Caine & Weiner to provide proof that we have a contract for any services rendered or compensation which gives the debt collector the right to do. If Caine & Weiner cant provide such proof, the companys acts are considered false and misleading pursuant to 15 Usc 1692e ( 2 ) ( B ). According to 15 USC 1692j ( a ), It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. Didnt Caine and Weiner purchase this debt or was it referred? 15 USC 1692e ( 6 ) ( B ) states that the false representation or implication that a sale, referral, or other transfer of any interest in a debt shall not cause, I, the consumer to be subject to part of the FDCPA. I challenge you to prove that you not violating the FDCPA under penalty of perjury. I have sent a cease and desist letter and demand you to cease all forms of communication immediately pursuant to 15 USC 1692c ( c ). Again, communication is the conveying information to person directly or indirectly through any medium. You are reporting an alleged debt ( conveyed information ) to a person ( consumer reporting agencies through a medium ( consumer report ) medium. My consumer report is my reputation in commerce to which you are inducing injury. Caine and Weiners failure to comply may result to litigation under 15 USC 1692k
10/30/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 752XX
Web Servicemember
I am a 100 % rated XXXX XXXX XXXX Veteran and Caine & Weiner are attempting to collect a debt that I do not owe them, and it is causing undue stress and financial strain. I believe an account that misstates a debt owed to XXXX in the amount of {$340.00}, was purchased by Caine & Weiner and illegally reported to the credit reporting agencies as a collections. The debt in question is from the creditor XXXX who illegally sold my debt to Caine & Weiner who are now illegally attempting to collect a debt I do not owe them. According to 12 CFR 1006, 1006.34 Notice for validation of debts, Caine & Weiner must provide proof that this debt is valid by producing a hand signed copy of my consent from Progressive, that is supposed to show that I gave Progressive my expressed written permission to sell a debt they say I owe them. And under 12 CFR 1006, of the Fair Collections Practices Act, 1006.38 Disputes and requests for original-creditor information, it is my right as a consumer to dispute this erroneous reporting of this collections to the credit reporting agencies. So per 12 CFR 1006, 1006.38, all reporting of this collections on my consumer credit reports must cease until Caine & Weiner can provide the signed consent with my written signature from Progressive, stating I consented to any debt they state I owe them would be sold to a collections company. If they can not furnish this signed consent from XXXX, this collections must be permanently removed from my credit profile with XXXX, XXXX, and XXXX if they want to avoid the filing of a civil suit for damages the filing of this collections on my consumer credit reports have already caused me.
05/16/2022 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • NY
  • 11205
Web
CAINE & WEINER COMPA ( Original Creditor : XXXX ) has failed to send me a response with my requested information for alleged collection account XXXX within the first five initial days of receiving my dispute. I have already been suffering enough with this inaccurate data on my credit report, I prepare ways to circumvent talking about my financial status or shortcomings with everyone from family members to co-workers causing changes in the relationships that have shaped my life until this day. The stress that comes with this alleged debt ruining my creditworthiness can not be managed. As a single mother, the financial expectations I am required to meet are unimaginable and it is a no-brainer that if I had the financial boost that good credit offers I would be in better shape to face daily challenges that come with my current predicament. Due to lenders turning down my applications I was forced to move out of my original state and ended up at my current address with no family or close friends to vent to leaving me visiting more social programs to help me deal with my stress and XXXX Now that I contact this company about this alleged debt there is no response?? furthermore CAINE & WEINER COMPA ( Original Creditor : XXXX ) is also reporting this alleged debt as an " Account '' which is inaccurate according to USC Title 15 1693A2 Therefore at this point this collection agency is knowingly furnishing false data on my credit report in violation of15 U.S. Code? 1692e. False or misleading representations and I demand them to Cease and desistfurnishing this alleged debt and notify all credit reporting agencies to delete it immediately.
08/24/2018 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • TX
  • 75248
Web
I have on disputed this debt ( 3 ) three times with XXXX via phone dispute and letters stating the debt is NOT MINES and I HAVE NO KNOWLEDGE OF THIS DEBT. However, XXXX said they verified the information as accurate but did not supply who they verified the information with. Caine & Weiner placed an collection in the amount of {$190.00} on my XXXX credit report. Prior to checking my credit report, I had no knowledge of the debt. I NEVER received dunning letter or phone calls regarding this debt from Caine & Weiner. Therefore I was not afforded the right to do my due diligence to dispute or pay debt before it was reported on my credit. The collection agency ( CAINE & WEINER ) continues to report inaccurate negative tradeline on my credit report. I decided to give Caine & Weiner the opportunity to do the right thing and obey federal laws and provide me with concrete proof I owe this debt before taking legal action. As an FINAL WARNING before I invoke my right to legal counsel, on XX/XX/2018 another request for the debt to be validated mailed certified to Caine & Weiner ( see attached debt validation letter ) Caine & Weiner has NOT responded to my request or provided any PROOF that I owe this debt. They also have NOT deleted the negative remark from my credit file. By reporting negative tradeline on my credit report has defamed my credit history and Caine & Weiner have violated Texas laws as well as federal laws regarding Fair Debt Credit Reporting. Prove it or REMOVE it!! As they were so quick to put this on my credit report is how I want them to move to remove it from my credit file. Quick, fast and in a hurry!!
10/30/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Problem with a company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • TX
  • 78154
Web
I, XXXX XXXX, am requesting the deletion of account CAINE & WEINER XXXX. This debt collection agency has engaged in practices that are abusive, deceptive, and unfair actions which are clear violations of the FDCPA. They have reported an account that I did not agree to nor sign any agreement for. A legal contract necessitates the agreement of two parties, and I had no involvement in any such agreement. Moreover, they failed to follow the proper five-step validation procedure, further highlighting these unfair practices. I also have uncertainties regarding whether I ever held an account with the original creditor. Notably, I received no correspondence notifying me that this account was sold to CAINE & WEINER, and the original creditor has failed to validate the alleged debt, constituting another violation. Furthermore, I received no communication by mail leading up to the reporting of this collection account. This account was added to my records in XX/XX/2022. Consequently, I am formally requesting a copy of the correspondence that was supposedly mailed to me during that time, informing me of this debt with your company. Please provide the original account documentation as well as your license to collect debt in the state of Texas. Failure to provide this documentation would constitute yet another violation under the FDCPA, which entitles me to seek {$1000.00} per violation. Remove this account from my credit report. Remove this account from my credit report due to misleading and false reporting. This account is negligently and inaccurately reporting failing to comply to 15 USC 1681. XXXX XXXX XXXX XXXX
11/14/2020 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • IL
  • 604XX
Web
I received a letter dated XXXX from Caine & Weiner ( C & W ), a debt collection agency, claiming that I owed a debt to XXXX account # XXXX, in the amount of {$270.00}. The C & W account # is XXXX. On XXXX, I faxed C & W a Debt Validation Letter to the fax # listed for C & W 's fax # on its letter dated XXXX. I have not received any information from C & W regarding this debt. I received another letter dated XXXX from Caine & Weiner ( C & W ), claiming that I owed another debt to XXXX with a different account # than the letter dated XXXX. This different account # is XXXX, in the amount of {$270.00}. The C & W account # was also different than the first account #, C & W # XXXX. On XXXX, I faxed C & W a Debt Validation Letter to the fax # listed for C & W 's fax # on its letter dated XXXX. I have not received any information from C & W regarding this debt either. Then I received a third letter from C & W dated XXXX, stating " This account remains unpaid in our system. We would like to work with you to resolve this account as soon as possible. '' The account # for XXXX is # XXXX, C & W account # XXXX. These two account # 's are the same as the account # 's that C & W listed in the second letter from the collection agency dated XXXX. It is a violation of the collection practices act for a debt collection to fail to respond to your verification letter. Not only did C & W fail to respond to both of my verification letters, the agency continued in the debt collection process by contacting me regarding the alleged debt without providing the requested information regarding the alleged debt. XXXX XXXX
05/12/2021 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Impersonated attorney, law enforcement, or government official
  • FL
  • 330XX
Web
I specifically deny that this alleged account/debt and/or account stated/implied and/or obligation is certainly mine, if this alleged account/debt and/or account stated/implied is certainly mine, I deny that this account/debt and/or account stated/implied and/or obligated to is authentic and supported by VERIFIABLE and AUTHENTICATED ( under penalty of perjury ) loan level documentation under the FDCPA 1692g ( a, b ). I affirm this alleged account/debt was established without my knowledge, prior consent nor expressed permission. I acknowledge that this alleged account/debt and/or account stated/implied and/or obligation is false, misleading and deceptive ( 1692e ( 2 ) ( 10 ) ) in nature & that there is no VERIFIABLE & AUTHENTICATED contractual agreement nor obligation specifically with CAINE & WEINER or any of its Affiliates nor have I ever engaged in any business with CAINE & WEINER in the past and this trespass against me is a result of identity theft. I affirm that this alleged account/debt and/or account stated/implied is false, a grand misrepresentation upon my good name and has caused me injury for which I will seek redress, compensation and settlement. I specifically demand within 15 days of receipt of this affidavit, unmodified, original verifiable valid proof of claim on all claims of alleged accounts stated and/or implied by sworn affidavit under penalty of perjury to the location aforementioned above. I intend on seeking remedy for damages, equitable relief and just compensation for any and all violations of my consumer rights and any other rights not mentioned.
05/08/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 304XX
Web
Caine & Weiner sent me letters about an alleged debt that i owe them. They are reporting to the major credit bureaus that i owe this debt to them although they have not sent me any document BEARING PROOF WITH MY SIGNATURE to prove this debt is mine and that I owe them or anyone this debt. I have requested three times by certified letter and these letters are attached with this complaint. I have asked Caine & Weiner to verify the validity and accuracy of this alleged account and they have not sent me any proof of a contract or anything with my signature taking claim of this debt that amounts to {$300.00}. I have never had an account with XXXX. Caine & Weiner states that I had an account in the past with XXXX but they have not provided any proof showing my signature on any documentation that this account is mine. I have sent them three Certified dispute letters requesting documents with my signature where i signed for this alleged debt. They have not validated/verified this account, they should not report and they need to remove the account from my credit reports. They have not provided any documentation SIGNED BY ME that supports this debt is mine. They still have nothing binding me to a contract. No proof has been made available to me. So therefore the debt needs to be removed from my credit report ASAP and collection efforts need to stop. I DO NOT OWE ANY MONEY TO Caine & Weiner or anyone regarding this debt. Caine & Weiner is illegally trying to collect and reporting this account to the credit report. I have also contacted an attorney to sue for damages.
07/07/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TX
  • 75104
Web
In regards to, Caine & Weiner Acct number : XXXX According to 15 U.S. Code 1681 - Congressional findings and statement of purpose ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I have a right to privacy and the reporting alone of this alleged debt violates my rights. I did not give consent to this debt collector to report this account. Under 15 U.S. Code 1692g - Validation of debts, debts are to be validated by law. This debt has not been validated. The 1st and only communication received from this collection agency was in response to my validation request. They responded with 2 request for payment ( see attachments ). According to the law, a bill does not validate a debt so they continue to violate my consumer rights by reporting an invalidated debt. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate Caine and Weiner further violate my rights and the law by falsely updating the date last active each month because theres been absolutely NO activity on this account. They are illegally prolonging the length of this alleged debt.
08/22/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MD
  • 20721
Web
On XX/XX/2023 I received a text message from XXXX XXXX XXXX XXXX to validate a charge of {$490.00} for XXXX XXXX. I rejected the request and called the credit card company. They closed out my credit card and started an investigation for the attempted charge. On XX/XX/2023, I checked my mail and received my bill from XXXX 's credit card showing a chargeback to my account for the {$490.00}. I called XXXX on XX/XX/2023, and they said the charge did not go through so they removed the credit for the investigation. I then opened the mail from Caine & Weiner and later found out they are a collection agency for XXXX XXXX. I also called the company on XX/XX/2023, to let them know the charge was fraudulent and they said they receive the charge for collecting around XX/XX/2023. Caine & Weiner mentioned the account was opened online for gambling. They gave me my address, dob, social security number, and of course my name. All the information provided was an exact match of my Personally Identifiable Information ( PII ). They did not believe that it was a fraudulent charge. Craine Weiner said I have to provide a police report number. I filed a police report on XX/XX/2023, XXXX, and called Caine & Weiner and provided the police report number, they said they will get back to me in 2 weeks. I am very concerned since someone has all my PII and I am not sure what happened between XX/XX/2023, and today. I am only aware of this one attempt because it came to my attention via a collection agency. What can I do to protect my PII today and moving forward?
03/10/2023 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 322XX
Web
I was notified via mail that Caine & Weiner Company , Inc was attempted to collect a alleged debt on the behalf of XXXX the date on the letter was XXXX giving me a deadline to contact them to dispute online by XXXX. I sent email on XXXX @ XXXX EST to dispute alleged debt and requested that company verify and validate debt. In that dispute notification, I advised once I recieved documentation to allow me 30 days to review and respond for accuracy. I got a response from XXXX XXXX a rep from Caine & Weiner, advising that company has notated my file and they would be requesting additional information on the balance from their client. The communication said once they recieve they will forward the information to me. I wasn't contacted again until XXXX and in that communication, all I recieved was a final statement that was attached in the email and that my account was noted for dispute. On XXXX, I recieved another email from XXXX XXXX, stating she was reaching out on the behalf of progressive and to conact or email the office back for resoultion. On that same day, Caine & Weiner sent file to credit reporting agencies reporting balance as a collections. Caine & Weiner are in violation of 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has resonable cause to believe that the information is inaccurate. 15 U.S.C 1681 section 604 A Section 2. States, a consumer reporting agency can not furnish account information without my written consent.
07/21/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TN
  • XXXXX
Web
On or around XX/XX/2018 a letter was received by your offices stating that you were representing a client named XXXX XXXX the letter further stated that an amount was owed. A letter was sent by my office via certified mail and within the 30 day time frame outlined by FDCPA. In the letter that was sent your office, it was clearly outlined that this debt was in dispute and outlined what was needed by your offices to validate this debt which included a copy of the Legal instrument that was used that binds Mrs. XXXX to the disputed agreement and the disputed amount. It was also requested that your office provide detail accounting information to show how your client arrived at the disputed amount. Unfortunately the only thing that was provided by your office was a very questionable photo copy of a statement. Another certified letter was sent to your office on or around XX/XX/2018 questioning the photo copy of the document provided to my office and once again asking you and your client to please provide additional documents along with the original documents requested to validate this debt. In both letters it was also very clearly stated that if your office proceeded to reported disputed and inaccurate derogatory information to any of the credit report agencies, civil legal action would proceed without hesitation. As of XX/XX/2018 your office has provided nothing that validates this debt and have ignored the certified requests to provide the additional information needed for my office to conducted a proper investigation into this matter.
10/27/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • SC
  • 294XX
Web Servicemember
I signed a contract with a XXXX / XXXX XXXX for credit card processing services. I was told that using this company would save me money in processing fees. I later discovered that this was not true and they have a lot of hidden fees. So I gave them a call and they told me I enrolled with XXXX for a three-year contract. I started the service in XX/XX/XXXX and I called in XXXX to try and cancel. I was told by a customer support agent that I would receive thousands of dollars in penalties if I tried to break the contract. I decided to wait until the contract was over in XX/XX/XXXX only to learn that when it expired, it was automatically renewed for a year. I decided to go through my bank to cancel these charges. During COVID 19, I can not afford to pay for services that I am no longer using. They said the penalty to cancel approx {$500.00} for failure to notify of the intent of nonrenewal, plus late fees and monthly fees for a contract they renewed without my authorization. They have a lot of hidden fees and they are the worst company that I have ever dealt with. Now they have sent me to " collections '' with some weird collections agency in XXXX XXXX that keeps sending letters, email and threatening phone calls. They are only out to get people whichever way they can. I am worried that they will give me a bad credit review which will further affect me and my family. I honored the contract and I continued to pay, despite the fact that I was no longer using their services. I searched online and multiple people are in my same position.
01/31/2023 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MA
  • 026XX
Web
XXXX XXXX sent notice to XXXX and XXXX of insurance that I was rubutting them adding on by XXXX XXXX XXXX to my policy with a lie about me telling them he drove the vehicle XXXX week. With this my premium skyrocketed so I cancelled them. XX/XX/2021 - response from XXXX XXXX XXXX indicating that XXXX would elimate him off policy and decrease it by " {$XXXX} '' ( round about amount ). XX/XX/ - sent collection notice from Caine-Weiner and emailed them same day asking for clarification of the debt ( see appendix A ) XX/XX/2021 - received response from someone else at Caine-Weiner saying I owed the debt. I had to nofify them they were coming after me for the wrong amount and it had been admended. They asked me for the proof! I sent along and still asked for a revised bill because I was unsure of the total credit XXXX gave me for the complaint. Still nothing ( Appendix B ) XX/XX/ - Caine- Weiner sent an email stating they updated my file and attached a new statement on debt. This was just on letterhead stating I owed them {$XXXX}. But again, they could not give me validity of the debt or how they came to this amount. After several inquiries on the debt, they could not produce anything to show the amount they were billing me was correct or how they came to that number. Also, they started sending me debt collection emails way before even XXXX days of XXXX updating the file even though on my credit report it is still showing the debt as being over {$XXXX} still when it never should have been since XXXX credited me approx {$XXXX}
06/22/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MI
  • 48092
Web
I have new and updated information about Caine & Weiner. You have admitted to not having a contact between you ( Caine & Weiner ) and I, which means you 1. You ARE not the holder in due course and can not lawfully enforce your claim. 2. You have not provided me any documentation to show you are obligated to collect and I`m the obligated party to pay you. I have tried to resolve this issue and you have been negligently noncompliance with Federal law. I AM NOW PUTTING YOU ON NOTICE TO CEASE AND DESIST ALL COMMUNICATIONS WITH ME THROUGH ALL MEDIUMS INCLUDING MY CREDIT REPORT WHICH IS A FORM OF COMMUNICATION PER THE FDCPA 15 USC 1692C. YOU HAVE NOT ONLY INFRINGED UPON MY RIGHTS TO PRIVACY BUT ALSO USED MY INFORMATION WITHOUT MY PREMISSION WHICH IS AGGRAVATED IDENTITY THEFT 18 USC 1028A. I HAVE ACTED IN GOOD FAITH GIVING YOU CHANCE TO RECTIFY THE SITUATION, I EVEN AGREED TO PAY THE BALANCE IF YOU CAN PRODUCE DOCUMENTATION TO WAS OBLIGATED TO PAY YOU LIKE MENTIONED IN MY CONDITIONAL ACCEPTANCE AND YOU FAILED TO DO SO. I HAVE A RIGHT TO ANY INFORMATION REGARDING ME PER THE FREEDOM OF INFORMATION ACT.YOU HAVE AND CONTINUES TO TRY TO COERCE ME INTO A PAYMENT WHICH IS IN FACT VIOLATING MY RIGHTS. THIS TRADELINE HAS CAUSED ME INCLUDING BUT NOT LIMITED TO SEVERE STRESS, MENTAL ANGUISH AND HAVE BEEN NEGATIVELY EFFECTING MY LIVELIHOOD. I HAVE ADVISED YOU AND GIVING YOU 15 DAYS TO REMOVE THE INFORMATION OR MY NEXT STEP WILL BE TO PURSUE LITIGATION FOR THE STATUTORY VIOLATIONS AND ACTUAL DAMAGES AS YOU HAVE AND CONTINUE TO CAUSE ME TO SUFFER!
04/24/2023 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • VA
  • 228XX
Web Servicemember
Caine & Weiner, a collection agency, contacted me originally via email on XX/XX/XXXX. They claimed I owed {$390.00} for a Registered Agent ( RA ) fee that was accrued through a business transaction with XXXX in XXXX. I asked for a bill, statement, invoice, or any description revolving around the accused transaction, and they failed to provide the requested information. They stated that providing such information was not their duty and that any information regarding specifics would be provided through XXXX. It took some time, but I was finally able to get in touch with a XXXX official. I have transcripts from an online chat with their official that was obtained through their website that clarify no money is due, no charge was ever submitted for an RA fee in XXXX, and warning that this interaction with Caine & Weiner may be a scam. I spoke with a representative of the collection agency letting them know that further interactions will be handled by my legal team, and offered to give them the contact information. They denied, stated they would annotate that I have a lawyer in my account, and the representative quickly hung up the phone. I have also explained to Caine & Weiner that I have no issue paying for services rendered, but it feels like fraud to be told I owe money in regards to a business transaction with a company that is actively disagreeing. All the while, the complainant, Caine & Weiner, will not provide any official documentation and utilizes bullying techniques that feed off of an individuals fear of reprisals.
05/22/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • CA
  • 95219
Web
On XX/XX/2023, I disputed the completeness and Accuracy of this collection on my consumer report and it has come back verified. I do not believe that Caine & Weiner properly investigated this account because of apparent inaccuracies. First, this account was deleted from XXXX but XXXX and XXXX are still reporting it. I know pursuant to 15 usc 1681i ( A ) ( 2 ) ( A ) they were notified by XXXX that this account was deleted due to it being inaccurate and unverifiable so my question is how are they reporting this still if this is the case? The date of the last activity does not match. XXXX is reporting the date of the last activity as XX/XX/2023 while XXXX is reporting XX/XX/2023 Having the wrong date of the last activity makes this account inaccurate because it does not clearly tell you when the account is supposed to fall off. Caine & Weiner has violated 15 usc 1681s-2b of the fair credit reporting act. Since they have verified this account as accurate and there are apparent inaccuracies they failed the 5 duties of a furnisher when receiving a dispute which are all violations from each credit reporting agency they are reporting to. Caine & Weiner has also Violated Cal. Civ. Code 1785.25. They are knowingly furnishing inaccurate information, a {$5000.00} violation per credit reporting agency they are reporting to. I also sent them a letter exercising Cal. Civ Code 1785.30 where they are required to correct any inaccurate information from my consumer reports and they have failed to acknowledge my request.
10/21/2021 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 77355
Web
This is a formal complaint against Caine and Weiner located in XXXX XXXX, CA. This company has repeatedly violated my consumer rights under the Fair Debt Collection Practices Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable collection account on all 3 of my credit reports, XXXX, XXXX and XXXX and not to mention an account in which I've asked for proof of claim and in which they have refused to validate per my request under the Fair Debt Collection Practices Act. Despite my efforts to resolve this unfortunate nightmare for nearly a year now, Caine and Weiner has completely ignored my communications and legal submissions to remove this inaccurate information from my credit reports. I am well aware of the many, many other complaints filed against this company for their illegal and unethical collection practices- disguising themselves under multiple business names and using ILLEGAL collection practices all across the country. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
05/13/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • IL
  • 62864
Web
I have been trying to dispute a XXXX debt progressive insurance placed on my credit report for months. I Contacted the insurance company to try and obtain information and some kind of documentation showing me how this account was opened. I have had the same insurance agent with XXXX XXXX since XXXX. I have never owned a XXXX. The other name listed isn't me. I have submitted proof of my insurance throughout that time but they tell me the info is valid because they have my social and birthdate. They admit policy was set up completely online with no face to face meeting or signatures completed. They referred me to the creditor who basically says the same thing. Denies having any ability to provide reasonable proof of my ownership to this account and also has recieved my proof of other insurance as well as a police report made within the time frame of unauthorized opening of debit card accounts in my name. They refer me back to progressive and telling me I should just pay the money for this account that I'm begging them to understand is not mine and was opened fraudulently. Throughout the whole ordeal I'm filing multiple disputes that are being declined. Then they agreed removed the report my credit score increased however days later they again put the report on my account now using the current date of XX/XX/XXXX meaning I have to wait 2 more years for it to be removed from my credit file. Now it looks like the debt was from today and they have blocked me from being able to do any further disputes. Unfair.
06/06/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • MO
  • 631XX
Web
XX/XX/2023 Subject : Request for Deletion of Collection with Forward Follow Agreement Progressive I hope this letter finds you well. I am writing to formally request the deletion of my collection, as per the terms of the Forward Follow Agreement that was previously agreed upon between Progressive and Cain & We As outlined in the agreement, the purpose of the Forward Follow Agreement was to allow the collection of specific data for a predetermined period of time. However, the agreed-upon period has now come to an end, and I kindly request that you initiate the deletion process for the collection as specified in the agreement. Please ensure that all data related to the collection is completely and irretrievably deleted from your systems and any associated storage devices. This includes any backups or duplicates of the data that may exist. I also request that you provide me with a written confirmation of the completion of the deletion process. I understand that data privacy and protection are crucial, and I appreciate your attention to this matter. If you require any additional information or documentation from my end to facilitate the deletion process, please do not hesitate to let me know, and I will promptly provide the necessary details. I kindly request that you carry out the deletion process within [ specify a reasonable timeframe ] to comply with the terms of the agreement. Thank you for your cooperation in this matter. I look forward to receiving your confirmation of the deletion process.
04/21/2022 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • FL
  • 336XX
Web
Submitted a complaint through the XXXX XXXX XXXX and advised this company they have unlawfully reported an alleged debt to my consumer report. Under the New Rule REGULATION F which took effect XX/XX/2021, You XXXX XXXX. You have violated the FDCPA XXXX and its new rule by parking this alleged debt on my consumer reports. Cease and Desist the reporting of this alleged Debt immediately or I will escalate this matter to taking legal action. I have not given you written permission to put anything on my credit profile 15 USC 1681b2. You have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. Account # XXXX Failure to respond satisfactorily with deletion of the above referenced account will result in legal actions being taken against your company, for which I will also be seeking {$1.00} per violation. They ignored my request of cease and desist which is willful infringement and advise me the balance due was not owed to them, and was owed to the original creditor but are coming after me to pay them for alleged debt they confirmed was not owed to them. That is false and deceptive practices and I demand this be removed from my credit report or Im seeking remedies for each violation.
06/27/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • VA
  • 223XX
Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX Caine & Weiner XXXX XXXX XXXX, XXXX XXXX XXXX TX XXXX Reference : C & W Account # XXXX I am writing in reference to the letter that you sent to me dated XXXX XXXX. I first made use of XXXX services to form a company and use their Registered Agent services on XX/XX/XXXX. On XX/XX/XXXX, I called XXXX to cancel my services and my ongoing renewal as I was moving my Registered Agent services to XXXX XXXX XXXX XXXX due to excessive price gouging from XXXX. I received an acknowledgement of my request and was provided with a Case Number of XXXX. XXXX XXXX XXXX took over RA services for my business in XX/XX/XXXX. I have never used XXXX services with the exception of 1 year from XX/XX/XXXX and these services were cancelled with XXXX in advance of the renewal. Caine & Weiner emailed me on XX/XX/XXXX. I replied to Caine & Weiner on XX/XX/XXXX informing you that I owed no debt to XXXX. I did not receive a reply and my email was ignored. I received another email from Caine & Weiner on XX/XX/XXXX which did not acknowledge any of my previous correspondence. I received your written letter dated XX/XX/XXXX which did not acknowledge any of my previous correspondence or provide any details of the fictional debt attributed to me. Please cease and desist sending notices and attempting to collect this debt which I do not owe to XXXX or Caine & Weiner. Due to your repeated notices and lack of acknowledgement of my correspondence, I am also submitting a complaint to CFPB.
06/12/2023 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 92688
Web
My name is XXXX XXXX. Caine and Weiner have responded and agreed to remove incorrect information from my Wife 's credit report see CFPB complaint ID number XXXX as of XX/XX/2023. My complaint is the same see below : We previously resided in XXXX XXXX XXXX XXXX XXXX. We moved to XXXX in XX/XX/2023. We used to have XXXX XXXX XXXX XXXX XXXX in XXXX. Shortly after moving to XXXX we asked XXXX to transfer our insurance to XXXX state. But they said they couldn't cover the type of insurance that we needed in XXXX. So we canceled with XXXX and moved our business to XXXX. I called XXXX since it was half way through the month and spoke with XXXX XXXX. Since XXXX sent us a reimbursement check for our homeowners insurance but we were awaiting what would happen with our auto insurance policy for our company vehicle. I spoke with XXXX and they said there was a XXXX amount outstanding and that I couldn't dispute a cancellation charge since it had already gone to a collection company!!! About a week or so later i received a letter from a company called Caine and Weiner and i was absolutely shocked we had been treated like this by XXXX. So I made the payment which included a cancellation fee, rather than waste any more energy disputing. I have just received my credit report and I am absolutely disgusted that a company can tarnish your whole report based on nothing! In any other country this would be illegal. Please remove this otherwise I will contact a consumer protection attorney for misuse of my credit report.
01/17/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Unable to get your credit report or credit score
  • Other problem getting your report or credit score
  • FL
  • 33702
Web
Caine & wiener telephone number XXXX, just got off the phone with XXXX XXXX he is the manager in that company, he treated me very disgusting and rude making inappropriate XXXX gestures and comments on the phone trying to be rude and hurt me. I pay the bill in full last week I have screenshots they promised me on a recorded phone line that they would give me 25+ points they only gave me XXXX points and then he was very angry that I called back in to complain I told him thats fraudulent transaction they did not keep their end of the bargain You can even hear me on the recorded phone line saying that the lady said shes gon na give us 25 + points on the phone if we paid her same day which I did immediately I kept my end of the deal. she did not one time stop me and say no thats not true or try to correct me. she told me that if I paid every penny in full she would give me 25+ points and expedited to the XXXX and XXXX with the company did expedite it but they only gave me XXXX points which is fraudulent that was not part of the deal, when I try to speak to the manager he is very rude makes inappropriate comments and was screaming at me on the phone would not help me at all would not even allow me to speak, please help me this is hurting my credit score I did everything they told me to do and they broke the rules theyre not following through on their end Please listen to the recorded phone line XXXX XXXX is fraudulent the manager hes trying to take avantage of me I kept my end of the deal please help me
04/15/2021 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 77357
Web
This is a formal complaint against Caine Weiner located in XXXX XXXX, CA. This company has repeatedly violated my consumer rights under the Fair Debt Collection Practices Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable collection account on all 3 of my credit reports, XXXX XXXX and XXXX and not to mention an account in which I've asked for proof of claim and in which they have refused to validate per my request under the Fair Debt Collection Practices Act. Despite my efforts to resolve this unfortunate nightmare for nearly a year now, Caine Weiner has completely ignored my communications and legal submissions to remove this inaccurate information from my credit reports. I am well aware of the many, many other complaints filed against this company for their illegal and unethical collection practices - disguising themselves under multiple business names and using ILLEGAL collection practices all across the country. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a XXXX and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
05/20/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 304XX
Web
I do not need to speak to anyone at this company. I just need them to stop illegally trying to collect on this debt and remove from my credit report. This is the 3rd time I'm trying to address this with this company CAINE & WEINER. I keep asking for a document showing MY SIGNATURE that verifies this debt is mine which they have not provided. Their response to me has been printout of documents with policy and automobiles covered. Where is the proof I SIGNED for this so called policy? They have no proof this alleged debt belongs to me. As per FTC opinion letter from Attorney XXXX XXXX XXXX, A PRINTOUT OF A BILL OR ITEMIZED DOCUMENT DOES NOT CONSTITUTE VERIFICATION. They have not provided any document to me BEARING MY SIGNATURE ON ANY DOCUMENTATION that verifies or validates this alleged debt is mine. This company keeps ignoring my request for documents with proof of my signature and continues to mention policy printouts etc. Where is the document showing my signature that verifies this account is mine? I have requested this multiple times and they ignore my request and continue to illegally collect on this debt. This stunt by this company is nothing new. I have contacted an attorney and will be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )
05/28/2020 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • MI
  • 483XX
Web
on XX/XX/XXXX I had learned that my account was charged twice in the month of XXXX for my XXXX XXXX XXXX. I spoke with XXXX from XXXX at XXXX on XX/XX/XXXX his phone # XXXX. XXXX stated that I was charged twice because my insurance increased because they added my husband to my policy. I told XXXX that my husband does not drive my vehicle that is why I did not add him and we were going threw a separation. I also stated even if my policy did increase why did it charge me twice in the same month and I was told it is how days fell on automated service they have for when next payment was due. I stated to XXXX it put my account into a negative balance because of the double charges, I have my bills and there amounts on automatic payments based on my check payments. At that time I asked for them to correct the problem and they would not. So since they did not correct the problem I asked for my account to be closed and I would find another insurance provider. My account was closed and I assumed issue was resolved. On XX/XX/XXXX I received an alert on XXXX XXXX that I had recently purchased to monitor my credit activity that a new collections was added from a collection agency Caine & Weiner in the amount of {$380.00} from XXXX. I did not receive any any information about debit or why it was owed. I called XXXX from XXXX at number above left several messages and have not received a call back. Because of the mark on my credit score it has affected my ability to obtain the mortgage for a new home.
09/12/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • MA
  • 01104
Web
CAINE & WEINER XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction - You have 100 % left to pay on this collection. Balance {$2000.00} Highest Balance {$2000.00} Opened XXXX XXXXXXXX XXXX ( XXXX XXXX ) Account status Open Type Derogatory Responsibility Individual Remarks Placed for collection Original Creditor Name COLLECTION Closed No Info See an error? DIRECT DISPUTE If there's an error on your report, you can submit a dispute without leaving XXXX XXXX. DISPUTE AN ERROR Creditor Information COLLECTION XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX - You have 100 % left to pay on this collection. Balance {$610.00} Highest Balance {$610.00} Opened XXXXXXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) Account status Open Type Unpaid Responsibility Individual Account. Remarks Consumer disputes this account information Original Creditor Name XXXX Closed No Info You could dispute an error with XXXX SEE AN ERROR? We've sent your dispute request to XXXX, and we'll let you know when it's complete. GO TO XXXX XXXX XXXX CAINE & WEINER XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX
07/06/2022 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • IL
  • 60636
Web
Caine & Weiner , Inc. is knowingly and wilfully denying my right to validate a debt and damaging my credit standing and reputation. Pursuant 15 USC 1692g ( a ) ( 4 ) Caine & Weiner , Inc. must ( 1. ) obtain a judgment or ( 2. ) provide verification of this alleged debt. I've asked for a full audit trail of this alleged account including a ledger and whether any insurance claims have been filed regarding this account by any creditor so that I could exercise my right to validate the alleged debt. VP Quality Assurance personnel, XXXX XXXX, admits that Caine & Weiner , Inc. " does not have access to a complete payment history '' of this alleged account. If Caine & Weiner does not have access to these important details, they can not speak to the alleged balance owed. Furthermore, Caine & Weiner XXXX Inc. holds that " the balance due is not owed to Caine & Weiner '' but have sent, via postal mail, multiple payment coupons directing payment and checks be made out to Caine & Weiner at XXXX XXXX XXXX XXXX XXXX, CA XXXX, which is false and misleading. Because Caine & Weiner has failed to comply with The Fair Debt Collections Practices Act after several attempts to resolve this matter, I am left to conclude that Caine & Weiner , Inc. has no legal right to collect this alleged debt. Because Caine & Weiner has no legal right to collect this alleged debt and has used my identifying information to create Account # XXXX without my consent, Caine & Weiner , Inc. has committed identity theft.
11/09/2020 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • MN
  • 55118
Web
This letter is a formal compliant that you are reporting and incomplete credit information. According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( I.e. : an original consumer contract with my signature on it ) that you have on file I demand that the following accounts be verified or removed immediately failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. Therefore, either provide the requested information or cease your collection efforts and reporting of this account on my credit reports immediately. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount
10/05/2021 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • OH
  • 440XX
Web
This letter is my THIRD request to remove your inaccurate and unverifiable accounts from my credit report. Once again, note that this is not a refusal to pay, but a notice sent pursuant to the FDCPA 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. " If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. ''
08/05/2020 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • CA
  • 93720
Web
I have tried to solve this matter with Caine and Weiner on several times ( via certied mail ), I have even offered a pay for deletions and still Caine and Wainer is opting for ignoring my letters, Caine and Wainer are trying to collect an unvalidated account, out of the status of limitations, and ignoring my intentions to resolve this matter. Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
03/21/2017 Yes
  • Debt collection
  • Auto
  • Disclosure verification of debt
  • Not disclosed as an attempt to collect
  • TX
  • 77379
Web
I received a Collection notice from XXXX. I got insurance back in XXXX, however I decided not to keep the insurance. In the process of this. I got a letter stated that I need to send back a item that I was not aware of. I believe it 's a divine that goes in the vehicle. However I never received it and XXXX can also see that I never even activated this device. I emailed letting them know I do n't have the device they claim I owe them money for it. I 'm comfused. How can they make me pay for something I did n't receive. No tracking number or number. Nothing to prove hat I receive it, I 'm assuming that they are he only ones who can be right in situation. It 's not far that they torture me and also send me to collection for something I do n't have nor can they prove it. Items get lost in the mail or stolen all the time. I 'm the victim and they are threatening to send me to collection and affect my credit reporXXXX dollars. It 's not far and I need to seek justice for this. This company is manipulating and billing me into something I do t have. Is it because I decided to go with another insurance .Its not far and I feel so upset and afraid what trey are trying to do to me. I would have preferdnif we went to court and I know they would have had to prove tahat I received and and use the device. I did n't and please help me in this situation. I 'm going to call the police department also and file a harassing and frivolous in this company and also companies involved
05/04/2018 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • VA
  • 24012
Web
I received a call from this company and asked for a detailed billing statement a statement as I dispute the debt owed. This was for a auto insurance policy that was prepaid so any payments were for the month ahead in advance. The policy was cancelled by me as I switched policies and the insurance company attempted to collect for the month I had switched to a new company already. The last month was prepaid in advance of switching. I wrote his collection company disputing the debt and asking for validation and proof of detailed billing and all payments They just sent the final bill from XXXX not proving I owed the bill or that it was a valid debts and while I was in dispute billing resolution with XXXX. The collection agency threatened to put it on my credit and did. Until I get validation I want this removed from my credit. I have proof I do not owe this to XXXX and have sent them proof. Any dither collection activity should cease and disist as well as any attempts to call me or contact me unless it's to send the proof I asked for. If the debt is not removed from my creditors until it can be proven to be valid I will follow penalties pursuant to the fair debt collection violations. The company has not sent any validation as requested andt the debt in question is disputed and not owed. If XXXX comes back and can prove I owethis amount I will pay them the amount. I do not do business with collection agencies that do not follow fair debt collection laws.
04/21/2018 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Impersonated attorney, law enforcement, or government official
  • MI
  • 48223
Web
Upon my review with the Secretary of State my findings are that XXXX XXXX XXXX XXXX and XXXX XXXX are NOT licensed, nor bonded to collect a debt in the state of Michigan so therefore no debt is owed, nor have they shown validation to this debt. I would respectively appreciate deletion of said items. There was another company reporting falsely on my Credit Report named XXXX hopefully they removed from all three reporting bureaus as indicated in letter sending, someone upon billing selected the wrong XXXX XXXX none of my children require pediatric care my baby is XXXX years old. Also I paid three collections off reporting by XXXX XXXX XXXX XXXX XXXX these were small hospital bills that were in violation of my HIPAA Law I want the derogatory reporting removed. As well I have sent several letters to XXXX XXXX asking that their false reporting of late payments be removed, I was late thirty days, not 60 upon their realizing their mistake the employee filed a dispute by his own accord trying to right the matter, however the report still shows inaccuracies. As well my report reflect inquireies that were not authorized, please remove all except those ( belonging to me ) XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX are mine, I have been disputing causing my score to plummet trying to get items addressed and removed, with no respect to my plea, my frustration or my time. Credit is a respected privilege wisdom is the best teacher. Frustrated consumer, thank you.
07/05/2017 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • FL
  • 33572
Web
I am the victim of identity theft. Someone utilized my name and former address to acquire credit then debt while I was incarcerated. I have called Caine and Weiner many times in an effort to rectify this and they have not been helpful. I asked for debt verification AND validation three times, via certified/read receipt mail sent on XX/XX/XXXX, and again XX/XX/XXXX. They respond by merely sending me a copy of the last bill to that address. I have asked for in writing to send me proof of debt validation from XXXX. I asked for who the name of the person was that they spoke to at XXXX, and the date. I asked for documentation to state they can pursue this debt. A copy of the agreement stating they are permitted to pursue me for this fraudulent debt. I asked for the original contract between XXXX and the " supposed '' debtor. I have yet to receive anything I requested. According to the FCRA, they are not fulfilling my requests from the consumer. I even called Caine and Weiner and offered to pay this debt in full if they please remove it from my credit report as it is damaging my credit which I am trying to rebuild. They would not agree to do so. Please, this is my second complaint against Caine and Weiner. I am a consumer being wrongfully damaged. I am even willing to pay the erroneous debt in full since I can afford it in order for it to go away since it is costly me more financially the longer it remains damaging my credit.. Please assist me in this matter.
12/12/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • IL
  • 60174
Web
I'm writing in response to a notice I received regarding an alleged debt related to XXXX. Under the FDCPA, I'm requesting a validation of this debt. I dispute the validity of this debt for the following reasons : -I have not received sufficient information to verify that this debt is legitimately owed by me. -There has been no clear accounting of the amount claimed to be owed. -I have not been provided with any agreement that bears my signature, indicating my agreement to pay the alleged debt. -In accordance with the FDCPA, I request that you provide the following information : -A detailed and itemized statement regarding the alleged debt. -Proof of your authority to collect this debt. -Any agreement that you claim exists which obligates me to pay this debt. -Verification of the date of the original delinquency. Please note that this is not a refusal to pay, but a statement that your claim is disputed and validation is requested. During the validation period, any collection activities and reporting to credit bureaus should be ceased as mandated by the FDCPA. If your office fails to respond to this request within 30 days from the date of receipt, this request will be deemed as an acknowledgment of the invalidity of the claim, and I expect the immediate removal of this matter from all credit reporting agencies. Thank you for your attention to this matter. I expect your response in writing within the statutory time frame. Sincerely, XXXX XXXX
10/21/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • SC
  • 29072
Web Servicemember
I was communicated by this company representing XXXX XXXX XXXX. For a debt that should never been made. I closed and stop my service with XXXX in XXXX of 2022, when I needed a life threating XXXX XXXX to be done and would have me not to drive for several weeks upto months. I reported the cancellation and stop to renew any services with them in XX/XX/XXXX and XXXX 2022 directly to XXXX insurance customer service. I was told on the phone I can not cancel any insurance or renewal due to state laws impacting the need for insurance. I contacted them again on the XXXX of XXXX, XXXX of XXXX and last day of service with them XXXX of XXXX. I did not want a renewal and I was ending my service with the company. They did not want me to cancel my service stating that I must have another insurance company with someone else and then I could stop services with them and cancel any renewal. I was angry that they tried to attempt and did deny my request the days before. I found an unauthorized charges of over XXXX dollars trying to be debted out of my XXXX XXXX bank account. No authorization was given to debit from my account. I was charged over draft charges and filed a dispute with my bank. The days of my XXXX and weeks of bed rest then a XXXX XXXX issue of XXXX XXXX in my XXXX resulted from the XXXX and time I was hospitalized. In late XXXX to XXXX I answered a letter disputing the said charge from the company representing XXXX for this said debt collection.
01/24/2018 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • VA
  • 23322
Web
This company never sent me my right to dispute and never sent me a single written communication until after I filed a complaint against them. Even after they sent that letter supposedly verifing a debt that I do not believe I owe, still no right to dispute, and they committed libel against my person by putting a collection mark on my credit without even talking to me. The law states that they must send me written communication 5 days after initial communication, I guess they figure that they could try and get around the law by never trying to contact me. Now they claim they did try to send me a letter before the one I got, so I sent them a certified letter with return receipt telling them that unless they can provide me proof of this, they will remove their info from my credit report or I will take legal action. The usps confirms this letter reached them on XXXX XXXX XXXX 2017, it was signed for but since they refused to date the return receipt, I can only assume this was read on the same day. The 30 day mark has been reached and since they no longer have enough time to remove the info from my credit, either provide me proof that a letter was received by me or I turn everything over to my lawyer who will be in contact about your violation under the FDCPA. If this complaint is not responded to, I will let my lawyer know this also. I have exhausted every attempt to try and solve this issue in a fair manner and both XXXX and XXXX have refused to do so.
12/31/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • NY
  • 11768
Web
I received a letter from debt collection company : Cane & Weiner stating that XXXX has forwarded my account to collections due to a debt that was owed. I called them immediately to explain that the account had been paid and provided subsequent information related to charges on multiple accounts. I also attempted to log into my XXXX account to verify/ check payment history and my account was locked. XXXX charged me three times for one order and I was refunded once by XXXX and received a check mailed by XXXX XXXX as the card ending in XXXX was stolen and had to be canceled. This card was later replaced with a card ending in XXXX. This left one charge remaining which was paid. I did request a dispute on my card ending in XXXX and was refunded pending outcome of the investigation into my dispute. When I was informed that XXXX would be refunding me I called my credit card company to inform them and was informed that the charge would return to the account once XXXX refund had posted. Timeline of charges/ refunds XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX charged XXXX XX/XX/XXXX XXXX XXXX card charged XXXX XX/XX/XXXX received check via XXXX XXXX for refund of charge to XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX card charged XXXX XX/XX/XXXX purchase adjustment provided amount XXXX by XXXX XXXX XXXX for dispute of duplicate charge XX/XX/XXXX refund provided by XXXX amount XXXX XX/XX/XXXX purchase adjustment added charge of XXXX back to my account
05/10/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NC
  • 27886
Web
I am writing to file a complaint against Caine & Weiner regarding their violations of the Fair Debt Collection Practices Act ( FDCPA ). The collection agency in question has added a debt to my credit history without any agreement or written authorization from me. Despite my request that they return the alleged debt to the original creditor, the collection agency has continued to pursue collection activities against me, which I believe is a violation of my rights under the FDCPA. I have also requested debt validation, as is my right under the FDCPA, but the agency has not provided me with any proof that I owe this debt. I believe that this collection agency has violated several provisions of the FDCPA, including but not limited to : 1. 15 U.S.C. 1692e ( 2 ) ( A ) - falsely representing the character, amount, or legal status of the debt 2. 15 U.S.C. 1692e ( 5 ) - threatening to take any action that can not legally be taken or that is not intended to be taken 3. 15 U.S.C. 1692e ( 10 ) - using false representations or deceptive means to collect or attempt to collect any debt 4. 15 U.S.C. 1692f ( 1 ) - using unfair or unconscionable means to collect or attempt to collect any debt I am requesting that the CFPB investigate this collection agency for their violations of the FDCPA and take appropriate action to ensure that they cease all collection activities related to this debt and that they correct any negative reporting on my credit history.
10/23/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • FL
  • 331XX
Web
Under 15 USC 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other. 2 ) In accordance with the written instructions per the consumer to whom it relates : XXXX ( XXXX XXXX XXXX ), XXXX, XXXX XXXX XXXX never gave XXXX, XXXX, XXXX " written consent '' to report anything on my consumer report they are saying they have but not supplied accurate validation of said certified mailing proving I have supplied such.., No Consent is IDENTITY THEFT. Concerning the account listed below as a Consumer, I Am demanding a deletion of this 3 accounts effective Immediately. I, XXXX XXXX the Executor, have a legal right and security interest, under federal law ( 49 USC 14301, UCC 9-317,12 CFR 1026.23 ) to cancel this transaction, only collecting the proceeds not assets, without any penalty or obligation from the above date or any later date on which all material disclosures required under the truth in lending act have been given to you.When canceling this transaction any lien or other security interest on my property arising from this transaction is automatically void. I am also entitled to receive all proceeds of which this account is owed. This investigation has prolonged for more than a month. According to the FDCPA this is a violation the account must be removed according to Federal Law, silence is acquiescence.
12/30/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • GA
  • 30291
Web
These items on my credit report as follows XXXX ( caine & weiner ) ... ( XXXX XXXX XXXX ) ... dept.of education XXXX XXXX XXXX whom I've been trying to get them to understand that they have wrong information concerning any of these accounts and some I have no clue about at all. They have been on my credit and have sold my information to other companies which has violated my rights and privacy. I called XXXX, XXXX, and XXXX about an investigation before and still the problem exists on my credit report. 15u.s.c1681 section603 ( 3 ) ( E ) states the term investigative consumer reports or portion there of in which information on a consumer character or mode of living is obtained through personal interviews with neighbors, friends, or associates of consumers reported on or with others with whom he's acquainted or who may have knowledge concerning any such items of information.however such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer..also they have violated my rights numerous times. The credit bureaus violated my rights under the 15u.s.c 1681. According to 15 usc 1681 section 602a states I have the rights to privacy and 15u.s.c 1681 sec. 604 a sec 2 states a consumer agency can not furnish a account without my written instructions.
07/05/2022 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • AZ
  • 85048
Web
TO : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT As a living breathing man I am aware of my unalienable rights which have been infringed upon.I am stopping all communication through medians other than that through Mail, I am demanding that you stop all collection activities and that includes reporting anything to my consumer report with the consumer reporting agencies, creditor, and debt collectors. In pursuant to 15 USC 1692C ( C ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt I am refusing to pay the alleged debt, and if once again anytime you communicate with me I demand that it must be through mail. I am aware of my open end credit plan as defined in 15 USC 1602, With that being said i am also aware of my credit file and I want to see the transactional history, I want to see my audit trail ( File ) To verify this alleged debt that you are stating me the living person is obligated to pay i demand my audit trail. Send everything to the address below, and once again that is the only medium of communication We will continue speaking through. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
03/24/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • AL
  • 36609
Web Older American, Servicemember
I am writing to complain about my treatment by XXXX XXXX XXXX XXXX XXXX, Caine & Weiner, and XXXX XXXX XXXX XXXX XXXX During a routine audit, I noted escalating fees from XXXX XXXX . On further review, I found a contract dated XXXX/XXXX/XXXX that I did not authorize nor sign. XXXX, and I am the only person authorized to sign contracts. The person who signed the contract, and subsequent XX/XX/XXXX renewal, was a secretary who no longer works for me.This person was never authorized to sign contracts. I did not authorize this now former employee to sign any contracts with XXXX XXXX. Records show, while the postage meter was in use, all monthly fees were paid in full. They are not due any money. They are not the injured party. On XXXX/XXXX/XXXX, I sent a letter to a XXXX XXXX Leasing Specialist, notifying him that the lease was unauthorized, null and void, and requested an arranged return of the postage meter. Since this time, the postage meter has not been used. The contracts in question from XXXX XXXX specify that the person signing is " authorized to sign. '' The specified now former employee was not authorized to sign. The XXXX contract lists DBA name of Lesee with this person 's name. The name of my XXXX is XXXX XXXX , XXXX, and my company never signed any agreements with XXXX XXXX. XXXX XXXX XXXX XXXX XXXX stops their fraudulent pursuit of these unauthorized contracts and removes their equipment from my office.
06/05/2023 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NJ
  • 074XX
Web
On XXXX Called the collection agency regarding a the validation letter I sent certified. The manager informed that the letter was received and that they are waiting for progressive to provide the proof of debt and documents. List of documents I requested : Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful. I received a bill that did not include the information requested. Based on the FDCPA, I have the right to receive the information requested. On XXXX called the company to request updates on the request. Spoke to " XXXX XXXX '' Assistant Vice President who told me that I do not have the right to ask for the information and that the company does not have the obligation to provide the information requested.
02/08/2022 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • CA
  • 92602
Web
Dear CFPB, First of all thank you for always being helpful to the consumers. I had purchased an XXXX package from XXXX and unbeknownst to me they registered themselves as the registered agent and took the payment, when I realized they had done this I immediately called to cancel any Autopay including the one for the registered agent service. I thought the matter had been resolved. Without any advance phone calls, letters or notice, I received a threatening letter from their collection agency Caine and Weiner, XXXX XXXX reference # XXXX. I called XXXX XXXX and they asked me to call CA state of Secretary and prove that the auto payments were cancelled, I tried calling and emailing them but got no response, I also emailed the law firm asking for the person who was in charge of sending the letter, their license number etc. I again received an email today demanding the XXXX dollar annual autopay XXXX XXXX keeps/kept billing without my knowledge and did not even send me a letter or phone call before referring to collections and threatening to damage our credit, This is highly unethical, illegal and slyly charging autopayments without our knowledge and then sending to collections without any attempt to first resolve or clarify what happened. Please help as this is threatening and harassment from XXXX XXXX and Caine and Weiner Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX
01/30/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CA
  • 95521
Web
Caine & Weiner ( C & W ) is attempting to collect a debt that is erroneous and not owed. I have filed complaints with the CFPB on this issue before, but it continues to be an ongoing issue, with several debt collectors involved. In numerous exchanges with the City of XXXX XXXX XXXX and several debt collection agencies, my attorney and I have demonstrated that the debt is erroneous, and that it has exceeded the statute of limitations on municipal debts. All debt collection agencies, including XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX, and XXXX XXXX XXXX have dropped the debt. XXXX has pursued this debt on two separate occasions, and in both cases, has dropped the debt. The evidence my attorney and I have amassed demonstrating fraud, negligence, and incompetence on the part of the City of XXXX XXXX XXXX XXXX XXXX is considerable. C & W is now in serious violation of the Federal and California debt collection practices acts in even attempting to pursue this since, even if valid - which it is n't - the collection of an alleged debt from XX/XX/XXXX-XX/XX/XXXX would be barred by the statute of limitations under California XXXX of Civil Procedure sec XXXX. C & XXXX is aware of this fact and is acting tortiously and harassing me. See City of XXXX vs XXXX, Cal. Court of Appeal XXXX District. There is a 3 year statute of limitations. I strongly urge the FTC and CFPB to investigate C & W 's debt collection practices.
12/15/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • GA
  • 313XX
Web
CAINE & WEINER {$230.00} & {$200.00} You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. Please be advised this is against F.C.R.A. law and is a violation of my rights.. I challenge the accuracy, compliance and reportability of these listings. The negative marks are inaccurate. There is no contract or valid claimI also contacted original creditor I want these accounts removed immediately or litigation will follow. Please validate this information with and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.It is against the law to attempt to collect a debt twice ; accounts were settled by my Insurance carrier with original creditors. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification.
08/31/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • WA
  • 98032
Web
I have a XXXX XXXX XXXX XXXX here in XXXX Washington. On XXXX XXXX, I received an Auto finance loan from a Company called XXXX in the amount of {$50000.00} ( XXXX XXXX dollars ) .Within sixteen months the principal and interest was paid in full on XXXX XXXX. I received a letter from XXXX that I owed them $ XXXXI asked them to call the local branch here in XXXX Washington where the loan was received and talk to the accounts manager who signed the contract and received payments on the loan but they told me their accounts representative quit her Job and they can not find her, Instead, XXXX asked me to find her and get a letter from her stating that the accounts was paid in full. I responded and told XXXX that I can not find her whereabouts if they can not, and she had received my final payments and signed off on my accounts on XXXX XXXX after correcting and error of an applied outstanding balance of {$6400.00}, fund paid that were not applied to the accounts during her off days. XXXX submitted this debt to a collection Agency called Caine & Weiner who threatened my company and my family with legal actions and also to destroy my credit with the credit Bureaus, so that I will not get any credit in the future. Caine & Weiner had a Law firm called XXXX XXXX XXXX call me and threatened me with a law suit. On XXXX XXXX, Caine & Weiner posted a Negative report on my personal credit files ( attached ).
09/27/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Old information reappears or never goes away
  • TX
  • 75240
Web
Im lodging a formal complaint against both Caine & Weiner & XXXX XXXX, as it is my belief, they violated my rights under the FCRA. Reporting inaccurate information about its status to the credit bureau. I didnt notice this error right away, that this was an already twice reported collection. Originally, this was a Debt by progressive insurance given as a collection to Caine & Wiener. I then paid in full and received a confirmation letter & the collection was subsequently removed from my credit report. Fast-forward, to XX/XX/XXXX, I noticed a collection on my credit report with a new Creditor XXXX XXXX. So being under the assumption, that I owed XXXX, I had every attention to pay it, but Due to COVID, I had to wait several months. Then several months later, on XX/XX/XXXX I called progressive to verify the amount on this collection I owed, and the agent proceeded to inform me that the account I had already paid this off a year prior. Well confused, as I knew as I just looked at it a few minutes before, I then asked, Why has this been reported again and on my credit report since XXXX? Then the progressive agent contacted XXXX XXXX & put my call on 3-way to verify this new information. The XXXX agent, then confirmed that I didnt owe anything on the so-called reported collection and despite being asked, the XXXX agent refused to remove this inaccuracy and false account from my credit report.
03/26/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 95616
Web
To Whom It May Concern : This letter is regarding Caine & Weiner Account # : XXXX. I dispute the validity of this debt back on XX/XX/XXXX. There is no debt owed to XXXX, despite continuous debt service request from Caine & Weiner. I have attached the original order with XXXX, dated XX/XX/XXXX. The order terms were for 3 months only. On XX/XX/XXXX, I requested XXXX to cancel the subscription service after 3 months. XXXX XXXX of XXXX responded to me stating your request will be processed according to your subscription terms. I have also attached my credit card statement showing 3 months of payment to XXXX, dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX respectively. XXXX proceeded to charge me for a 4th payment on XX/XX/XXXX despite XXXX XXXX of XXXX acknowledged my cancellation on XX/XX/XXXX. Therefore, I disputed the 4th charge ( dated XX/XX/XXXX ) with my credit card company, XXXX. XXXX has reviewed all evidence and issued me a permanent credit for this dispute. Please see dispute judgement from XXXX dated XX/XX/XXXX attached. I communicated the above facts along with evidence to XXXX that there's no debt owed to them on XX/XX/XXXX. And yet, Caine & Weiner sent me another correspondence to repay the " debt '' on XX/XX/XXXX. Please note that there's no debt owed. And this is a false claim. Sincerely, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX
03/01/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NJ
  • 086XX
Web
Caine & Weiner contacted me by mail on XX/XX/XXXX to inform me of their intent to collect a debt identified as {$390.00} to XXXX for RA + LEGAL FORM RENEWAL 1 YEAR. I sent them a Debt Validation letter by mail on XX/XX/XXXX, which is within the required 30-day window to dispute the validity of the debt. In this letter I informed them that I do not have any responsibility for this debt, and asked them to provide documentation supporting the validity of the debt, including : ( 1 ) My agreement to pay recurring charges from the referenced entity, ( 2 ) The specific time period for which the charges are claimed to be valid, ( 3 ) Documentation that I accessed or used the services for which the entity is claiming the amount owed, during the time period for which it is claimed, and ( 4 ) Documentation that they are licensed to collect this debt in New Jersey. They did not respond to this letter. The contacted me again by email on XX/XX/XXXX requesting that I pay {$390.00}. I responded the same day by email informing them that it is a violation of the FDCPA to continue contacting me about a debt without providing the documentation I requested. I included a PDF copy of the Debt Validation letter for their records. They again did not respond. They contacted me once again on XX/XX/XXXX offering to settle the debt for {$310.00}, again failing to provide the requested documentation.
01/15/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NY
  • 11209
Web
About 2 years, I went on a cruise with XXXX XXXX XXXX and made a purchase through the XXXX. I was advised by the XXXX that I could return the items upon receipt. When I received the products, there was nothing included within the package related to what was shipped or return instructions. I contacted XXXX XXXX XXXX multiple times and was advised I would receive a call back once the information was gathered. After 6 months of attempting to return the products, I contacted XXXX XXXX ( my credit card ) and put the charge into dispute. XXXX XXXX conducted an investigation and contacted XXXX XXXX XXXX. XXXX XXXX did not receive satisfactory evidence from XXXX XXXX XXXX - in fact XXXX XXXX XXXX never responded to XXXX XXXX. As a result, XXXX XXXX credited my XXXX XXXX account for the {$1200.00}. About a year after XXXX XXXX credited my account, XXXX XXXX XXXX placed the account for the {$1200.00} with a collection agency. I have attempted to address this matter with the collection agencies multiple times and have even had to go the route of Cease and Desist contacting me. XXXX XXXX XXXX just re-assigns the account to another collection agency. Today I was contacted by Caine and Weiner on behalf of XXXX XXXX XXXX and was harrassed and accused of keeping goods where I did n't pay for services. My communications were not well received and I was treated as if I was a criminal.
07/25/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NC
  • 273XX
Web
I checked my credit report after getting a preapproval for a home loan in XXXX, 2022 and saw that there are numerous incorrect information on my report. There seems to be accounts that are business accounts that do not belong to me as well as charge offs and collections that are interfering with my going any further in obtaining a loan to purchase a home. I have tried numerously to call these companies within the last 3 months and have not gotten anywhere. They are very rude and intimidating. XXXX XXXX told me that I had no choice but to make a payment to settle both of those business accounts listed only in efforts to solve this issue but now after I paid them in XXXX of 2022, they told me that they will keep this on my report for 7 years anyway even though the accounts belong to a business and they do not have a contract signed by me for these accounts. The others, CAINE WEINER ( Original Creditor : XXXX XXXX XXXX )XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX XXXX XXXX are inquiries that I did not authorize and need to be removed. I am now aware that these are also a violation of consumer law 15 USC 168b. I have tried so hard to fix this problem with my credit report and I feel very helpless. This is causing me severe anxiety and XXXX because I am not able to move any further. I am begging for someone to help me with this please.
09/22/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 75126
Web
I am the victim of identity theft. I became aware of the identity theft over 3 years ago when I was in the process of purchasing a new home. I discovered my personal information had been used illegally to purchase things in my name. I have made a police report for identity theft. I have frozen all of my accounts with XXXX, XXXX, and XXXX. I have also added a statement to all 3 reports that I am the victim of identity theft. I have added a credit alert as well. I received an alert today from all 3 bureaus that my credit reports were flagged for collection for an account I never opened. I received a letter in the mail from a company named " Caine & Weiner '' for the amount of {$110.00} dollars with the original debtor being " XXXX ''. I reached out to Caine & Weiner and explained to the company that I was the victim of identity theft and that this was a fraudulent account. This call took place 2 months ago. And today I am shocked to see that this company still went along with adding a fraudulent account onto my reports. I called Caine & Weiner back this morning, to let them know again that this was a fraudulent account and I was going to make a report against their company because I have already communicated with this company in regards to this issue. I have already disputed this account with all 3 bureaus XXXX, XXXX, and XXXX. I have never had an account with XXXX.
05/04/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • NY
  • 139XX
Web
According to my credit report, I have an account with CAINE & WEINER. I am very confused about how I ended up with not only an unauthorized soft inquiry, but also a debt of {$190.00} that I somehow owe to CAINE & WEINER even though I've never done business with them. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Credit Bureaus are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts that they post on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account. I do not, nor have I ever held an account with CAINE & WEINER. I have never signed any kind of physical agreement to pay this amount to CAINE & WEINER, nor has the debt been verified on my credit report. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) that all three bureaus have on file of the accounts listed above because their failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if the bureaus ( along with collection agencies ) are unable to provide me a copy of verifiable proof, they must remove the accounts listed above. I demand the following accounts be verified or removed from all three bureaus immediately.
07/20/2020 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • VA
  • 232XX
Web
The XXXX XXXX XXXX is not longer in business and cancelled its XXXX XXXX XXXX in XX/XX/XXXXof XXXX as the purchasing agency XXXX XXXX has their own XXXX XXXX account # XXXX. Almost a year of communication with XXXX XXXX resulted in them finally sending us more information on how to return the leased machine. We did so on XX/XX/XXXX via XXXX. We disputed any fees and verified that our written communication to end the lease was received as the new owner has NO liabilities on any previous service agreements/leases etc. When we finally closed the account with XX/XX/XXXXwe were told there was no fees due on XX/XX/XXXX Case # XXXX. The account was closed we were told. XXXX XXXX then referred the matter to XXXX XXXX XXXX XXXX XXXX XXXX XXXX and we were contacted by XXXX XXXX on XX/XX/XXXX for account # XXXX. We spoke with the woman and disputed the debt. We then mailed her a USPS letter and e-mailed her at XXXX on/after XX/XX/XXXX a dispute and do not contact letter under the Fair Debt Collections Practices Act. The woman emailed us back that our dispute was invalid. he has continued to contact us, a place of business, even though we told her not to. She did so on XX/XX/XXXX at XXXX XXXX ; XX/XX/XXXX at XXXX XXXX and today XX/XX/XXXX at XXXX XXXX. This is harassment and a clear disregard of the FDCPA and we are reporting today to you all for further investigation.
08/25/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 32825
Web
I am writing a complaint of a collection account listed on my credit reports. I do not recognize this claim. Please provide me with written documentation to validate this purported debt, an itemized statement showing the amount you claim I owe, copy of the written agreement or promissory note I signed relating to this purported debt, agreement with the creditor that authorizes you to collect on this alleged debt, agreement bearing my signature stating that I have agreed to assume the debt, valid copies of the debt agreement stating the amount of the debt and interest charges, complete payment history on this account along with an accounting of all additional charges being assessed, show me that you are licensed to collect in my state ; and your license numbers and Registered Agent. If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. Thank you. I will await your reply.
05/30/2023 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Notification didn't disclose it was an attempt to collect a debt
  • CA
  • 92688
Web
My name is XXXX XXXX XXXX XXXX XXXX. We previously resided in XXXX XXXX XXXX Florida XXXX. We moved to California in XX/XX/2023. We used to have XXXX XXXX and XXXX insurance in Florida. Shortly after moving to CA we asked XXXX to transfer our insurance to CA state. But they said they couldn't cover the type of insurance that we needed in CA. So we canceled with XXXX and moved our business to XXXX. I called progressive since it was half way through the month and spoke with XXXX XXXX. Since XXXX sent us a reimbursement check for our homeowners insurance but we were awaiting what would happen with our auto insurance policy for our company vehicle. I spoke with progressive and they said there was a premium amount outstanding and that I couldn't dispute a cancellation charge since it had already gone to a collection company!!! About a week or so later i received a letter from a company called Caine and Weiner and i was absolutely shocked we had been treated like this by XXXX. So I made the payment which included a cancellation fee, rather than waste any more energy disputing. I have just received my credit report and I am absolutely disgusted that a company can tarnish your whole report based on nothing! In any other country this would be illegal. Please remove this otherwise I will contact a consumer protection attorney for misuse of my credit report.
05/30/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • CA
  • 92688
Web
We previously resided in XXXX XXXX XXXX Florida XXXX. We moved to California in XX/XX/2023. We used to have Progressive Home and Auto insurance in Florida. Shortly after moving to CA we asked Progressive to transfer our insurance to CA state. But they said they couldn't cover the type of insurance that we needed in CA. So we canceled with Progressive and moved our business to XXXX. I called progressive since it was half way through the month and spoke with XXXX XXXX. Since Progressive sent us a reimbursement check for our homeowners insurance but we were awaiting what would happen with our auto insurance policy for our company vehicle. I spoke with progressive and they said there was a premium amount outstanding and that I couldn't dispute a cancellation charge since it had already gone to a collection company!!! About a week or so later i received a letter from a company called Caine and Weiner and i was absolutely shocked we had been treated like this by Progressive. So I made the payment which included a cancellation fee, rather than waste any more energy disputing. I have just received my credit report and I am absolutely disgusted that a company can tarnish your whole report based on nothing! In any other country this would be illegal. Please remove this otherwise I will contact a consumer protection attorney for misuse of my credit report.
01/13/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • AZ
  • 857XX
Web Older American
I had an account with XXXX which is owned by XXXX. XXXX is similar to XXXX, in that you can obtain backgrounds on automobiles by submitting the vehicle VIN. My wife sent them a letter on XX/XX/XXXX canceling our account. Which, XXXX never did. They then told us, that by virtue of our contract, to cancel, we had to pay two months of fees at {$75.00} a month. I told them I did not remember signing any contract and to send me a copy of it. They sent me a copy of a contract that my son had signed in XXXX ( See Attachment ) when we had an XXXX XXXX, named XXXX XXXX That company ( XXXX XXXX ) has not been in business since XX/XX/XXXX. In any event I was paying a, garden variety, consumer rate with the account in question and not a corporate rate, which was much less money. Therefore, they are in error. There is NO contract with me personally. They refused to admit they had made a mistake, even after repeated phone calls and emails with a XXXX XXXX, of XXXX, the last of which was XXXX. We heard nothing more until a few days ago. We received a letter from Caine & Weiner XXXX XXXX XXXX. XXXX, Texas XXXX demanding {$450.00}. " Which may adversely affect you credit history '' we are told by them, if not paid. Since XXXX is a credit reporting entity we have no doubt that a company that size will not hesitate to ruin our credit, over a bill we do not owe.
09/21/2021 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 33056
Web
Once again Caine & Weiner, you are XXXX me off.You are violating my consumer rights under congress. Im advising you that you cure this with me privately before I pursuit litigation. You stated in my previous cfbp case XXXX that it was a duplicated and it is not. Once again you're giving me false and misleading information and you did not provide me proper validation. I would be happy to settle any financial obligation I might lawfully owe, as soon as I have received the following documentation from you : 1. Validation of the debt ( the actual accounting ) ; 2. Verification of your claim against me ( a sworn affidavit or a hand signed invoice in accordance with The Bills of Exchange Act ( XXXX ) ) ; Uniform Commerical Codes, Federal Fair Credit Reporting Act, and Florida State Statutes for Lawful Purposes. 3.A copy of the contract signed by both parties and therefore binding both parties. 4.Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold. 5. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under The Money Laundering Regulations 2007 and what actions s/he has taken in relation to this account
05/18/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 91741
Web
For over 5 years and 3 months now, I have had a collections account on my credit with the original creditor name of 01 XXXX XXXX and Caine & Weiner as the named debt collector for this debt that is not mine for the amount of XXXX. That is not a small number and because of this act of fraud it has resulted in me having a really bad credit score and frankly I've never heard of either of these named organizations and I sure don't owe them almost {$7000.00} for a debt I can't even tell you what for. The start date of the collection is said to be XXXX XXXX, 2016 at which time I had no active credit even ongoing so how I obtained a collection is beyond my understanding and all of which points to identity theft because it is very evident somebody used my ss number for something and then never paid it which is a highly common thing that fraudsters do when stealing peoples identity, they obviously don't pay the debts they illegally obtained. This debt is the reason my credit is so poor and me and my family are struggling to get a car loan, home loan and any financial assistance due to debt that was obtained by someone other than myself. The creditor and debt collection companies have both failed to provide me with signatures that would identity the debt to be mine and they have harassed me at work for long enough over debt I don't even personally owe.
05/19/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • WV
  • 254XX
Web
I am writing this letter in response to the information provided in my credit report. Pursuant to 15 USC 1681e ( b ), I am exercising my right to dispute the accuracy of the information contained in my credit report. I have reviewed my credit report and found that there are errors and inaccuracies that need to be corrected. Specifically, [ describe the errors or inaccuracies in detail, including the account name and number, and any other relevant information ]. I have attached copies of supporting documents that prove the inaccuracies in my credit report. According to 15 USC 1681i ( a ), the credit reporting agency has 30 days from the receipt of my dispute to investigate and correct any inaccurate information. I request that you investigate and correct the inaccurate information in my credit report as soon as possible. Furthermore, I also request that you provide me with a written report of the results of your investigation, as well as a copy of my updated credit report. If you need any additional information from me, please let me know. I would like to remind you that it is your legal obligation under 15 USC 1681e ( b ) to ensure that the information in my credit report is accurate and up to date. Failure to comply with these code compliance procedures may result in legal action. Thank you for your prompt attention to this matter.
02/13/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 770XX
Web
This is a formal complaint against CAINE AND WEINER located in XXXX XXXX, CA. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & XXXX. Despite my efforts to resolve this unfortunate nightmare for several months now, CAINE AND WEINER has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
07/16/2018 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • TX
  • 77355
Web
I set up a XXXX with XXXX XXXX and agreed to pay {$150.00} setup fee for a years service. Upon set up, XXXX XXXX never disclosed there would be a {$230.00} filing fee with the State. However, XXXX XXXX took {$230.00} those filing funds from my credit card without my authorization. I no longer want or need XXXX XXXX service, and don't want to continue the service for an additional year. I have made this well known to XXXX XXXX on several occasions, and also filed a report with the XXXX, which they know about. There are several complaints registered on the XXXX website, with the identical problem. XXXX XXXX wants me to file a report with the state of Nevada, to close my XXXX. Since XXXX XXXX registered the XXXX without my consent, then it is their responsibility to file the necessary paperwork at their expense to correct their mistake. I have been continually harassed by first XXXX XXXX and then collection agencies for {$150.00} renewal, which I don't want. XXXX XXXX needs to stop any further correspondence with me, repay the {$230.00} they took from my account with my authorization. XXXX XXXX to file any necessary paperwork at their expense to close the XXXX, which was never disclosed to me. In additional XXXX XXXX needs to stop their deceitful business practice, of not informing customers of all the fees required to start a XXXX with them.
11/11/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • KY
  • 410XX
Web
In XX/XX/XXXX, Caine Weiner added a collection account for XXXX XXXX for {$610.00} on all 3 of my credit bureaus. I had XXXX XXXX last year and then switched companies. I contacted XXXX to inform them of the cancellation date in XXXX of XXXX. They assured me everything was cancelled and there would be no balance owed due to the insurance being paid in advance for the month. I noticed the collection in XXXX of XXXX. At which point I contacted XXXX and they informed me the agent never properly cancelled my policy. They admitted to fault and said they would send all necessary documentation to the collection agency for the account to be deleted from my bureaus. In XXXX, they were still present on my credit. I called XXXX again and they directed me to Caine Weiner. Caine Weiner directed me back to XXXX. I called XXXX again and a supervisor told me that if Caine Weiner wouldn't deleted it would have to be disputed. I tried to call Caine Weiner one more time, they told me there was no other way to delete besides paying the balance in full or settling the amount. Settling the amount would not delete the account, it would only show the derogatory account with a XXXX balance. This was not a balance that I owed, therefore I don't believe it is fair to pay a debt I don't owe or have derogatory Mark 's on my credit for an agent 's mistake.
10/24/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • IL
  • 60438
Web
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX # : XXXX and XXXX # XXXX Account name : XXXX & XXXX XXXX. # XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case
05/31/2020 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • AZ
  • 85120
Web
Collection Agency, Caine & Weiner has NEVER supplied me with written verification of this debt from the original debtor, XXXX XXXX. On XX/XX/2020, I spoke with a supervisor XXXX at XXXX who explained to me that Caine & Weiner is contracted by them to " manage '' their collection debt. Supervisor XXXX further told me that my account is available on the XXXX website and that Caine & Weiner has access to this information. Yet, Caine & Weiner has never provided written verification or sent a link to this information at any time I have requested it. The information Caine & Weiner has sent via mail was a bill, NOT an accounting of payments as I requested. Supervisor XXXX at XXXX tells me the account is still active and is not solely assigned to Caine & Weiner, yet Caine & Weiner, a company contracted by XXXX reported they had no access to information regarding this debt. Caine & Weiner has lied to me and the CFPD in stating they could not provide an accounting of payments. Further, XXXX, informed me that I could pay the debt directly to XXXX making Caine & Weiner 's reporting of this debt to the credit bureaus invalid as they are assigned to " manage '' the debt. Either way, I was NEVER provided a written accounting of this debt by Caine & Wiener, or a contract with my signature validating this debt as I requested.
09/02/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • KS
  • 66062
Web
Since they ignore this on XXXX We are talking about the XXXX trade line now, which I've vehemently denied owing anything to them or you all. I've told you all that I never received any debt verification in the time allotted ( which automatically makes the trade line in slide and by law needs to be deleted ) but I also contacted this company through their own website to which I never received a response asking for the same things. I don't rent from XXXX, nor do I owe them any money BECAUSE I never rent from them, never had a reason to, I have my own car. XXXX never provided me proof, nor did this company... .I 've gotten so many fraudulent accounts off my credit, since I've actually learned and looked at my reports, and this is CLEARLY another one. Remove the tradeline for XXXX off of all my credit reports, ( XXXX, XXXX, XXXX ) IMMEDIATELY & Permanenetly! My attorney has told me I've been extremely patient, but I'm trying to avoid litigation as it's honestly a slam dunk because there is no proof of me owing the XXXX debt ... .BUT that doesn't mean it won't start in an instant as I'm tired of this and am trying to resolve this to move on with my life. DONT make this harder than it has to be... .just delete the XXXX tradeline XXXXnder you alls name and this stops ... .Do n't... .and you will be sued. Last time I'll say this.
04/01/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 79707
Web
I am XXXX XXXX and I am submitting this complaint against CAIN & WEINER AND XXXX. CAIN & WEINER AND XXXX has this INACCURATE account/item on my consumer report/file and I DEMAND for a IMMEDIATE DELETION ( Exhibits provided ). All three of these Bureaus have INACCURATELY furnished this MISLEADING AND DECEPTIVE account on my consumer report/file and I did not CONSENT, AUTHORIZE NOR BENEFIT nor gave a written permissible purpose to CAIN & WEINER AND XXXX to FURNISH this account/item. The DATE OPENED is INACCURATE and I DEMAND CAIN & WEINER AND XXXX to delete this account/item within 4 BUSINESS DAYS ( Exhibits provided ) The TWO-YEAR PAYMENT HISTORY is INACCURATE and I DEMAND to delete this account/item within 4 business days CAIN & WEINER AND XXXX ( Exhibits provided ) The LAST REPORTED is INACCURATE and I DEMAND CAIN & WEINER AND XXXX to delete this account/item within 4 business days ( Exhibits provided ) The DATE LAST ACTIVE is INACCURATE and I DEMAND CAIN & WEINER AND XXXX to delete this account/item within 4 business days ( Exhibits provided ) The DATE OF LAST PAYMENT is INACCURATE and I DEMAND CAIN & WEINER AND XXXX to delete this account/item within 4 business days ( Exhibits provided ) CAIN & WEINER AND XXXX duty is PROVIDE 100 % ACCURACY on consumers reports and THE EXHIBITS I PROVIDED SHOWED THEY HAVE FAILED!
12/03/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TN
  • 38114
Web
Hello there my name is XXXX XXXX XXXX XXXX I am filing this complaint regarding company Cain and Weiner partial account number # XXXX XXXX. I was made aware of this negative collection account through XXXX credit bureau in which I am enrolled in fraud detection I spoke with two Representatives XXXX also XXXX of XXXX credit bureau for Department I was also enrolled at the time of this listing I have never heard of this company ( Cane and Weiner ) I have made numerous disputes with the debt collector as well as XXXX. Please be advised that I was referred to the CFPB by the XXXX credit bureau fraud department this negative collection account has put me in extreme hardships as it is reported to all three credit bureaus about this negative account that was illegally without my consent. I am also including a screenshot of my credit report showing this account. I have also contacted the debt collector they have no record of me on file yet it is on all three of my credit reports affecting me in a major way I need this account removed permanently please my rights were violated as a consumer. The amount of the collection is {$180.00} the date of this wrongful collection account was reported on my credit XX/XX/2020 State before I was made aware of this fraudulent negative account by XXXX representative XXXX of the fraud department
06/06/2022 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Impersonated attorney, law enforcement, or government official
  • UT
  • 84020
Web
The debt in question has been disputed and removed from the consumer credit reporting agency, but the Debt Collection Company has stated they DO NOT own the debt and therefore have no legal grounds to report the debt. The Debt Collection Company resubmitted the debt after removal to bypass the legal dispute process. The Debt Collection Company has submitted a balance that directly contradicts the original amount they allege the " Company '' who they said actually owns the debt was collecting. The State of Utah only allows a Debt Collection Company to bill interest if interest was included in the initial company. AUTO INSURANCE DOES NOT allow for interest and therefore would not account for the discrepancies reported to the Consumer Credit Reporting Agencies. The Debt Collection Agency has a poor track record in Complying with Debt Collection Practices and with the continued support of the Utah State Attorney General 's Office proper discipline should be taken against Caine & Weiner. Caine & Weiner as I have researched is NOT a licensed Insurance Agency in the State of Utah and as stated in the previous complaint by the Debt Collection Money is attempting to collect money for an account they do not own, but allegedly relates to an Auto Insurance Policy for Vehicles that are not owned or Registered in the debtors ' name.
07/12/2017 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Used obscene, profane, or other abusive language
  • FL
  • 33068
Web
I have a complaint to involve XXXX, as well as the collection/or law office they sent the account out to Caine and Weiner ..I was contacted by a XXXX at Caine and Weiner, after asking for my husband and I advised her I am his wife, what is going on, she being to tell me about the outstanding debt due at XXXX, which by all means XXXX never called me one time nor sent any collections notices out before sending my case out!! second the collections agency they sent it through failed to even verify information to confirm that I am the above party wife she just being to go into details I could have been anybody, second that company did not even send me a validation of debt letter, to give me a chance to dispute the reason for none payment after not hearing me out after several phone calls when they raise my insurance because I could not prove I had prior how am I going to prove that when my vehicle was new?? The rep was a very fast talker she could care less what I had to say she gave me the company address so fast, and I am very upset! SHE DID NOT MENTION THIS WAS A ATTMEPT TO COLLECT A DEBT NOR TELLING ME I WAS TALKING ON A RECORDED LINE, SHE ALSO DID NOT VFY ANY INFORMATION CONFIRMING I WAS MY HUSBAND 'S WIFE This is illegal and should not be tolerated!!!! I KNOW MY RIGHTS AND NONE OF THE FDCPA RULES WHERE NOT FOLLOWED!!
10/02/2017 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • IN
  • 465XX
Web
On XX/XX/XXXX, I received an alert from 2 of the credit bureaus I use to monitor my credit. I was made aware that a company from Calif. had put a collection on my reports for some ridiculous amount. This so called company name is Caine and Weiner has put a fraudulent claim on my credit reports. I was struck by a XXXX driver in XX/XX/XXXX and have spent the last few years in court with her insurance, finally reaching a very nice settlement in XX/XX/XXXX, now I am finding fraudulent people who want place erroneous items on my credit report thinking I will pay them. I will not tolerate this and I will fight this with all I have!! I am outraged that the credit bureaus are able to just arbitrarily place items on my credit report with out any effort to obtain as whether they are real or fraudulent. I researched this so called company XXXX XXXX XXXX and much to my dismay there were pages and pages of their fraudulent behaviour. I do not owe them any money and I want this off my credit reports as quickly as possibe, I am rebuiding my life after being mowed down by a XXXX driver and I will not be taken by a scam artist. The date that is appeared of the alert is XX/XX/XXXX. The amount is {$3100.00}. The name is Caine and Weiner. I thank you in advance for all your help and quick response. Warm Regards, XXXX XXXX
07/12/2017 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • 30339
Web Servicemember
Caine & Weiner Inc. continue to attempt to collect a debt that I have made them aware of did not belong to me. I have contacted them and made them aware that this debt was as the result of identity theft, and they have refused to stop trying to collect the debt and continue to report this fraudulent account against my name and social security number. They have further more been provided a copy of my police report, identity theft affidavit and they continue to ignore the fact that this account does not belong to me. When I have attempted to speak to this company they have been very disrespectful to me and have tried to force me to pay a debt that does not belong to me. I feel that this company is trying to extort money from me over a fraudulent debt. My personal information was compromised in 2010 and every since then I have had people open all sorts of accounts in my name using my correct personal information that was obtained from the identity theft. This debt that they are trying to collect from me is absolutely not mine and they have defamed my character by listing and continuing to list this fraudulent information against me. A part of defaming my character they are also continuing to violate the FCRA Section 605B by refusing to remove this information they know to be fraudulent from my credit reports.
01/19/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • MO
  • 63128
Web Older American
The story started back in XX/XX/XXXX. Someone had set up a XXXX credit card account and had my name and Social Security number ( I suspect ). They used my company address, phone number, and my company email address. They used an email address that is not mine : XXXX. They used a phone number ( XXXX ) that, when XXXX, is to a XXXX XXXX XXXX I am an XXXX I do not run an XXXX XXXX And XXXX XXXX called me and said this is whats going on and I said that it was not me. I filled out a form for dispute resolution department at XXXXXXXX XXXX. I marked " I am requesting that my response be attempted for this dispute I understand that the issuing bank does not accept my response that I will be charged the XXXX pre-arbitration fees imposed up to $ XXXX '' See pdf file attached. And that was the last I heard from them. They accepted that and said to file a police report. We tried to file a police report. But the XXXX XXXX County police department would not accept a complaint because there was no harm done to me, there is nobody to chase, and it was not in XXXX XXXX XXXX. Now XX/XX/XXXX XXXX being contacted by a collection agency for {$6200.00}. I was told by XXXX XXXX to file a fraud alert with my with three credit monitoring companies. I have done that. The XXXX reference number is XXXX. The XXXX number is XXXX.
10/27/2019 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 75056
Web
To whom it may concern, On a recent review of my credit report, I discovered that Caine & Weiner is inaccurately reporting the collection account referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes the third party like yourself to collect on this debt. Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. If youre unable to validate the account, then you are to remove the collection account from all of my credit reports. Your failure to act will result in this matter being referred to the Federal Trade Commission, the Attorney Generals office and the XXXX XXXX XXXX.
01/27/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • NJ
  • 076XX
Web
In XXXX, I rented a XXXX XXXX XXXX and paid monthly, then quarterly payments in a sufficient timely manner ( auto pay from XXXX, then auto pay from online banking ). For some reason they had a hickup in colllecting and missed a month or two in " XXXX ''. When I caught up ( for around {$36.00} in payments ) they hit me with a {$900.00} late fee. I questioned and resolved shortly thereafter. Each time I renewed the lease on the machine, I asked, and they assured me, that my account is up to date, paid in full. So I continued with the rental program every few years until one day, in XX/XX/XXXX, they asked me to return the machine because I owed them money. I was surprised and confused. The people at XXXX said they terminated my contract and, my account was XXXX. I returned the machine and then a credit collection agency started hounding me for {$1200.00}. I never had this problem. This person XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) asked me to prove payments from XXXX and that she would resolve the account. I sent her the evidence and she then said my contract is owed through XXXX ( recall, I was forced to return the machine ). Threats are not something I am used. Her tone was abusive. She can ruin my credit and possibly place a judgement against me. THIS IS TANTAMOUNT TO CONSUMER FRAUD. Please help.
10/19/2020 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • PA
  • 19604
Web
After reviewing my credit reports with all 3 credit bureaus on XXXX, I realized I had a collections account under my name to the Collection Agency : Caine & Weiner. As part of my due diligence, I submitted a letter of validation to Caine & Weiner, requesting proper documentation validating the legal obligation of payment, NOT a request for verification NOR a refusal to pay. This validation letter was sent on XXXX via certified mail. I received a response from Caine & Weiner, dated XXXX, without proper documentation validating this debt. In response, I sent a 2nd validation letter on XXXX, through certified mail, requesting the agency to present proper validation and documentation of this collection debt within 15 days. I have not received any response ( either by phone, mail, email, etc ) from Caine & Weiner up to this day, XXXX. Because this collection agency has failed to provide me with the correct validation documentation, their erroneous reporting to the Credit Bureaus has highly impacted my personal credit report negatively and has limited my opportunities to open new credit lines and take out a mortgage to purchase a home. I am sending this complaint to the CFPB for additional help/assistance to delete the erroneous reporting presented by Caine & Weiner - XXXX XXXX XXXX XXXX XXXX, CA XXXX.
05/05/2017 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MA
  • 023XX
Web Servicemember
CAINE & WEINER COMPANY INC, i was contacted by this company about a debt i was presumed to owe XXXX XXXX ( XXXX $ ). I asked kindly for them to forward something in writing. they stated they already had and would not do so again. I tried to explain i had no record and that possibly i had misplaced what had been claimed to be sent. still no luck, then i tried to further explain that with all the robots and scam collection efforts in this country that i really needed this confirmation, I received no less than 4 calls from the same collections person presumably in California, same thing each time, they did insist i contact progressive, I asked if they were the ones servicing the debt? answer yes, again asked them to confirm by mail and assured them we could do something about the debt than all would be happy, still no luck they were unwilling and somewhat inconsiderate and unhelpful in the collections attempt, also disputed was the amount, they would have no part of this, ultimately XXXX did contact me about an error in the amount ( XXXX $ )! !! but by this time the debt had been reported to the credits agencies b y Caine & Weiner. it would seem unfair if not illegal for a company or person be able to report a debt for collections if they are unwilling or unable to service a debt
04/10/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • MO
  • 631XX
Web
Hello, I wanted to follow up on the results received from you and the other 3 bureaus from my investigation, thank you for getting back with me within 14 days. I read that the process of the investigation is to reach every individual company to verify the accuracy of information. In accordance to FCRA, Section 611 A through D, you are supposed to let me know who you verify with. I ask you to delete anything that is not 100 percent accurate. I had a lot of inconsistencies between the 3 bureaus, below i have listed them out for you. Date of Last Activity/Account Status/Date Opened I have now pointed out the mistakes so these need to be deleted not updated, by updating the terms is an admission of guilt and direct violation of my rights of a fair investigation.I am not sure how you can state it was verified.How is it possible that XXXX, XXXX, XXXX all verified the accounts above as accurate, but they all have inconsistencies in the reporting? In fact, there is no possible way a full investigation could have been done in accordance to section 611 due to the inconsistencies coming after my original request of investigation.At this point. I demand you delete these accounts immediately. Please forward me an updated credit report to my address after you have completed your deletions. Thank you,
10/27/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • OH
  • 441XX
Web
In accordance with the Fair Credit Reporting act. The list of accounts has violated my federally protected consumer privacy and confidentiality under 15 USC 1681. Account Name : XXXX & XXXX Account # XXXX Account Name : XXXX XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX XXXX Account # XXXX 15 U.S.C 1681 section 602 A. States i Have The Right To Privacy 15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Theses companies and accounts have been going against my rights and violation as a consumer this is unconstitutional I am asking that theses accounts be investigated and deleted off of my credit report immediately. I do Not owe theses debts and i am requesting a cease and desist immediately
05/02/2023 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • FL
  • 33015
Web
I was checking my credit report when I came across this company caine & Weiner and stated that I owed {$1000.00}. From a company called XXXX XXXX which I XXXX it and it's a gambling for horses which is against my religion I'm not allowed to gamble. 15.u.s.code 1681c-2 a consumer reporting agency shall block the the reporting off any any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you arein Violation of this law because I am a victim of identity theft!! Please delete the item immediately! The account should not be furnished on my consumer report as they are in valuation!! Under, 15 u.s Code 1681b- permissible purpose of consumer report ( a ) in GENERAL subject to subsection ( c ) any consumer report agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTIONS of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN consent to report anything on my consumer report which violate my rights as a federal protected consumer. No content is IDENTITY THEFT. As a consumer I am demanding the deletion of the account listed IMMEDIATELY!!
11/09/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TN
  • 37830
Web
{$170.00} Caine Weiner {$110.00} Caine Weiner ( Identity theft accounts ) I called your company on XX/XX/2020 I contacted your company certified mail, I provided documentation of the XXXX breach and asked for your company to remove this account from my credit file as soon as possible. I also asked for you to provide me with legal debt validation ( Proper paperwork showing how this account was added in my name, documentation with my signature, along with proof that your company is legally allowed to collect this debt from me. As of XX/XX/2020, I have yet to receive any response from your company. This is my second attempt to correct this error, your company is fraudulently reporting information to my credit report that legally should not be listed on my credit report or in my name at all. Please remove this account from my credit report as soon as possible, it is impossible for me to owe you any monies, you have also violated ( Section 609 Of the Fair Credit Reporting Act ) by not responding to my debt validation request which is illegal. I really hope this matter can be resolved quickly. If this information is not removed from my credit file, I will move forward to a judge in my area to bring this account into small claims court for this fraudulent account being placed on my credit file.
12/28/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • KY
  • 40509
Web Older American
XXXX have charged me for services I did not owe due to their computer software change in XXXX and XX/XX/XXXX. I have been unable to communicate with XXXX accounting during those months to rectify their mistakes in accounting. Their accounting representatives and supervisors were unable to help in anyway, and I received multiple different answers to my disputed charges. I finally contacted XXXX to resolve my dispute. XXXX resolved the dispute in late XX/XX/XXXX. I thought the matter was closed. In XX/XX/XXXX, I received a letter from Caine and Weiner Collection Agency demanding I pay {$1600.00} for the debt to XXXX. I have disputed with both XXXX and Caine and Weiner to no avail. I must dispute directly with XXXX accounting. I have tried to do contact XXXX on XXXX XXXX, XXXX and XXXX, XXXX. I continually am directed to automatic answering telling me to leave my telephone number and account number and they will return my call within four hours. I do not receive return calls from XXXX. How can receive proof I owe or provide documentation I do not owe XXXX this debt if they will not communicate with me. This has now affected my credit score. I believe fraud is occurring when XXXX computer system was changing during the time their services were concluded with me. The charges are erroneous. Y
08/03/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 32311
Web
I havent provided evidence in accordance with the doctrine, so you may assume, under the doctrine of estoppel by silence, that there is no proof of the purported debt and, as a result, no such liability, if the debt collector has not provided the requested proof of the alleged debt within 30 days. In a good faith effort to resolve the matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action, and correct any erroneous reports of this debt as mine. For the record, I state again : As I have no account with you, nor am I your customer, nor have I ever entered a contract with you, I must ask you to provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature.
05/24/2021 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • PA
  • 18301
Web
I disputed this account that reports on my 3 major credit reports multiple times. I ask for validation of this debt and was specific. In what services or etc. Dates, payment history anything but only recieve something recently that only has the amount reporting to credit reports. I contacted XX/XX/XXXX. XXXXat XXXX this time with the original creditor *XXXX* in which I have a active positive account with. I spoke with a nice rep named XXXX, she lookup the past account and see I did owe {$190.00} with them that I can settle with them but have to handle bill with their outsource company which she made clear is XXXX XXXX XXXX she didn't have any knowledge or see anything of the amount of {$1100.00} from ( Caine & Weiner ) and that can't be verified. So my question is How XXXX, XXXX, and XXXX has verified this info? and I spoke with the original creditor and have a active business with them in good standing. I hope this account can be validated and verified as it is my right to have. This 3rd party 's has the burden of truth not pull numbers and accounts from anywhere. If the original creditor couldn't verify this false info on my credit report how is this Collection Company can? If its not legit IT MUST BE DELETED from reporting on my credit report or I need to put a fraud case in.
03/16/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • MI
  • 48168
Web
XX/XX/2018 I bought a saxophone for my son with a insurance, in XX/XX/XXXXhe started a lesson, but we discovered that the saxophone was not working, and I want to buy another one better, I call the company and they said I have to fine a claim, they said they will contact me, after several days I received another saxophone, I called them right way and said I did not want another I want to buy a diferente one they said I have to return the one I just got and then once the credit was in my account I could buy another one, but no instruction how to procede with the broken one,, in XX/XX/XXXXthey send me a email saying that o own a balance I talked with them and asked if they send me a box and label o will send back, I was so upset, they never send a return label, and then they send me to collection I called the place I bought because I never received a label, after while the company I bought the saxophone Said sorry and agree to the return, and they will take my name from debit collection. But that never happen, so I return the 2 saxophone and my name still on debit collection. This problem has been carried for almost a 18 months I have proof of email and tracking the everything f has been returned and more the company name is Caine & Weiner XXXX XXXX XXXX. XXXX XXXX, CA XXXX XXXX
10/29/2021 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • PA
  • 19143
Web
The company " Caine & Weiner '' is attempting to collect a debt from me for the amount of {$320.00} that I DO NOT OWE. I have sent this company multiple Verification and Validation request, and this company has not sent me ANYTHING proving that this debt is mine. This company is in violation of the FDCPA. Caine & Weiner has violated the FDCPA and my rights by trying to collect a debt from me which could not be properly verified or validated. This company has ignored my written request to validate this debt, this company DID NOT get my authorization to try collect this debt. I have NEVER gone into any business with this company, they did not have my authorization to have my social security information, personal information, or collect any debt from me. The last letter I sent this company was a " Intent to file Suit '' because they have violated several laws per the FDCPA and I still intend on suing if this account is not deleted from my credit reports immediately. Attached with this complaint is all of the correspondences between Caine & Weiner and myself, and to be very clear this company was suppose to respond to my request 30 days after the Intent to file suit letter, and they have not, This is also a violation. My attorney and I plan to use all of these violations in court.
02/19/2021 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • ID
  • 83714
Web
I had previously disputed an item from Caine and Weiner because they had not provided notice of my rights to dispute. Since then they have sent me a final bill from the original creditor. I have responded to them that the amount of the final bill appears to be inaccurate and have requested all payment activity, all billing activity, terms and conditions for the policy, as well as the date and reason of cancellation. They have not yet responded to this dispute which originated in XX/XX/2020. They continue to report this in the full amount on my credit report. This is a violation of the FDCPA subsection 807 ( 2 ) ( A ), the false representation of the character, amount, or legal status of any debt. As I have indicated that the amount is in dispute and they have not provided proof of the amount showing all payment and billing activity as well as the terms and conditions which stipulate when a policy is cancelled due to non payment as well as the reason for cancellation, any reporting of this to a credit agency is a direct violation. At this point, if the resolution is not removing the debt and ceasing all current and future collection attempts and waiving all debt owed on this account, I will seek the maximum {$1000.00} that I am allowed to seek in damages under the FDCPA.
12/14/2016 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • CA
  • XXXXX
Web
Caine & Weiner is attempting to collect {$110.00} dollar debt for XXXX XXXX XXXX XXXX I do not owe. I paid XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX {$500.00} in cash for emergency services for my dog XXXX. XXXX XXXX XXXX failed to post at it 's location it did not have overnight stays or doctors to perform XXXX. I wasted valuable time, because XXXX XXXX XXXX failed too inform the public they do not have the capability to perform surgeries or have the service of overnight stays for wounded or hurt animals. I was overcharged by paying {$500.00} dollars for XXXX, medicine and XXXX taking no longer then 60 minutes. My dog XXXX passed away that night, because I wasted my time taking my pet to this animal facility. XXXX, would have lived if I would have taken him to a hospital that provided all the services at one location. XXXX XXXX XXXX over charged me for the partial services they rendered. XXXX XXXX XXXX gouges pet owners who face emergency situations and take advantage of unfortunate incidenst. I will be writing a negative review of XXXX XXXX XXXX to inform the public of what happened with my emergency visit. The public is safer taking there animals to a XXXX hospital that cares in saving pets lives and not just about the money.
08/19/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 90806
Web
On XX/XX/2022, I wrote to you requesting an investigation into items that I believed were INACCURATE AND UNVERIFIED. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. in my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
11/22/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Problem with a company's investigation into an existing problem
  • Was not notified of investigation status or results
  • IL
  • 60435
Web
I am writing to address a significant concern regarding the inaccurate reporting of dates to the credit bureaus, which has resulted in incomplete and misleading data on my credit report. Specifically, I have noticed discrepancies between the dates reported by XXXX and XXXX, as follows : XXXX reports Date Opened as XX/XX/2023 and Date Last Active as XX/XX/2023. XXXX reports Date Opened as XX/XX/2023 and Date Last Active as XX/XX/2023. It is crucial to emphasize the importance of accurate and complete credit reporting, as this information plays a significant role when lenders review my credit report. These dates carry substantial weight in determining the creditworthiness and financial standing of consumers. Therefore, it is imperative that these dates are reported correctly and consistently across all credit reporting agencies. According to the 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) - Responsibilities of furnishers of information to consumer reporting agencies, it is the duty of debt buyers, such as yourself, to provide accurate and complete information to the credit bureaus. In this case, the inconsistent and inaccurate reporting of dates has led to misleading information on my credit report, potentially affecting my ability to secure credit and financial opportunities.
07/02/2020 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • FL
  • 32578
Web
I bought a policy with XXXX after buying a car mainly just to get me through about a week until I could add the car to my XXXX XXXX policy. I had an XXXX XXXX XXXX so I pay big money for this commercial insurance. I decide to keep this XXXX policy for 6 months because it was cheap and I figured it never hurt to have extra insurance. After my 6 months were up I never renewed and never signed any renewal but they sent me a bill for another 6 months. I sent emails and called them showing with documentation I already have insurance and will not be renewing with them. They put me in collections with CAINE & WEINER XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX and hurt my credit rating by 40 points. I disputed with Caine and Wiener with documentation but it fell on deaf ears. I disputed with XXXX and this stupid {$240.00} charge is still on my report. XXXX did remove this so I rate them much higher than XXXX. I refuse to pay out of principle and have decided my only recourse is to tell what a crooked company XXXX is to the world on review sites. Recently with covid 19 I can not continuing my business because this bogus collection hurt my credit score just enough to not qualify for a Small Business Association Co-vid19 loan which would have allowed me to stay in business.
10/17/2021 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 770XX
Web
my XXXX had contract with XXXX XXXX company. i cancel contract with then in XX/XX/XXXX, i received a letter from company in XX/XX/XXXX that i owe then XXXX because they over paid, i called XXXX and asked them i need a date so i can verify with my bank if i received any over payment i will send a check, they didi not send me any information .after few month i received a letter from caine & weiner colection agency agent name was XXXX i called her and asked her same thing i need exact amount and date so i can verify with my bank. thursday she sent me XXXX XXXX statement i called her and asked her i need date and exact amount so i can verify with my bank she had no idea. she hang phone on me and threat me. cain & weiner send me a letter without getting any evidence from XXXX over payment information try to collect money from me i been telling XXXX AND CAIN & WEINER i have no issue to pay XXXX any over payment made to my company but they are unable to provide me any evidence of over payment made to my company. i told them i will not pay untill they provide me date and exact amount XXXX deposited in my bank. i am surprised they try to collect money from me with out any information from from XXXX and evidence when i asked her she had no idea and unable to answer my question
05/19/2023 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • IA
  • 528XX
Web
On XX/XX/XXXX I disputed the completeness and Accuracy of this collection on my consumer report and it has come back verified. I do not believe that Caine & Weiner properly investigated this account because there are obvious inaccuracies. The account has been re-aged by XXXX and XXXX. XXXX is reporting the date of last activity as XX/XX/XXXX while XXXX has reported XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. This is a clear 2-year difference and once again it is Caine & Weiner 's job to make sure this information is correct by conducting a proper investigation. Since you have not reported the date of the last payment it messes up two things. First, it shows does not help indicate when this account was actually charged off and secondly it manipulates the statute of limitations as I can not tell when this account is supposed to fall off. This means that you were never given the true date of the first delinquency and this is causing me stress being reported Caine & Weiner has violated 15 usc 1681s-2b of the fair credit reporting act. Since they have verified this account as accurate and there are obvious inaccuracies they failed the 5 duties of a furnisher when receiving a dispute which are all violations from each credit reporting agency they are reporting too
12/13/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • AR
  • 71603
Web
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602, states that I have the right to privacy ( 15 USC 1681 section 604 ( a ) section ( 2 ) It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. I do not give permission to report to my consumer profile/report and that you remove all fraudulent accounts immediately. There should not be any damages on my report as this is a defamation of character causing personal injury. I have been constantly harassed by these 3rd party collection companies. I have also received a response that clearly violates my rights according to HIPAA reporting & selling my information to those 3rd parties. I have thoroughly reviewed my credit report and I would like to inform you of the inaccuracies it contains. I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate these accounts, remove ALL inquiries, pay me for violations, and update my credit report immediately I opt out of all 3rd party consumer credit reporting.
05/08/2018 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • OH
  • 445XX
Web Servicemember
XX/XX/XXXX contacted company for validation of debt XXXX states that I should receive it in 10 days. On XX/XX/XXXX @ XXXX XXXX eastern time zone I contacted the company and asked was the validation sent I had not received it. The agent named XXXX stated that the debt letter is a confirmation letter and on the letter states that asking for validation is proof that this is a valid debt. The agent XXXX sts look you gon na pay it or not in angry voice and also states I aint got time for this now I was never volatile with this guy. I stated to the agent under the credit debt collection act that I need validation cause Im not for sure if this is or their a legit company. The agent states again that this debt letter serves as validation. I asked the agent whats his name again and this line is recorded? He stated his name XXXX and that this line I recorded I stated on the recorded the time is XX/XX/XXXX XXXX and asked for a supervisor. A sup was put on I advised the supervisor of what happened and he sts yeah they never sent a validation letter and one would be in the mail sent out soon. I asked the supervisior was indeed that line recorded hes sts that it may be recorded and 9 times outta 10 it would be XXXX never stated who they are collecting for either.
09/18/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • TX
  • XXXXX
Web Servicemember
Hello. This is in regards to Caine & Weiner. As a debt collecting agency, they are attempting to collect a debt for a debt that was included in a bankruptcy. I have called, written multiple letters, and even provided them with a copy of my Chapter XXXX discharge paperwork. I have requested a copy of proof of debt and/or a reaffirmation letter which would have excluded this debt from my bankruptcy. All of my requests have been ignored. I have also disputed this item in writing with all three credit bureaus and the outcome is always the same. Account included in debt or updated. This is inaccurate. I do not have a debt with Caine & Weiner, therefore the credit bureaus should not be allowing this account to update. My debt was with progressive insurance and because it was discharged via Chapter XXXX, Caine & Weiner should never have received this debt. Caine & Weiner, XXXX, XXXX, and XXXX ALL have failed to provide with documentation validating this debt. The ONLY validation would be a reaffirmation agreement between myself and XXXX, approved by the bankruptcy court. Again, they have all failed to comply and have completely disregarded my requests. This seems as a direct violation of not only 11 U.S. Code 524, but of my rights as a consumer.
09/16/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • GA
  • 30291
Web
This account was paid off on XX/XX/2020. Per agreement and state laws, Caine & Weiner was suppose to update all credit bureaus of this account update. Caine & Weiner took my money and agreement then sent me a receipt for payment and stating that all collection activity will terminate immediately. I've repeatedly call this company and have begged them to update this account and they refused. Two representatives from this company hung up the phone in my face and I managed to ask the other rep her name at the beginning of the call due to the unprofessional tactics used previously.I spoke with XXXX and received a receipt from XXXX XXXX and a very unprofessional representative that was laughing in the phone at this matter. I spoke to that rep on XX/XX/2020 and her name was XXXX XXXX. This company is still illegally reporting this debt that was paid to all three credit bureaus. This company took my money and refuse to update tradeline. My next step is to follow up with my attorney and file sue for illegal debt collection practice, fraud and more. This company has caused further damage to my credit and it has been well over 30 days. This is the last and final request for Caine & Weiner to remove/delete this tradeline immediately or I will begin suit.
11/06/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • NY
  • 128XX
Web
I do not have a signed contract with Kane and Weiner. I do not know who they are but Ive asked them several times to send me some sort of documentation with the sign my signature on it they have not done so over the years its been the this is been on my report credit report for six years five months for {$150.00} and {$140.00} for four years six months now Ive never heard of this company before but Ive tried to dispute it Ive tried to write them letters. Ive tried to talk to them on the phone, and they tried to twist my words and trick me and I shouldve never called them in the first place because I dont understand the problem here, but they will not take it off my report and thats whats bothering me. Its the only thing on my credit report thats derogatory and it bothers me to know and and Ive tried many different times and Im sick of it. They have no right to do this to me. Its caused me much distress. I know that they have reported it XX/XX/XXXX and XXXX or cell right around that time of this year again so its it keeps being regularly reported after all this time all this time Ive tried to get rid of it it did not work, so anything you can do. Ive tried everything on my part and nothing has worked it on my credit report causing me issues.
06/07/2022 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MI
  • 48092
Web
Caine & Weiner has violated my federally protected rights and has failed to let me exercise my rights under the FAIR DEBT COLLECTION PRACTICE ACT 15 USC 1692. Caine and Weiner continues to try to coerce me into paying the alleged debt. XX/XX/2022 Caine and Weiner signed for my Conditional Acceptance letter that was sent via certified mail tracking number XXXX XXXX XXXX XXXX XXXX XXXX. Attached are the signature letter and conditional acceptance. I agreed to pay Caine & Weiner if they could produce a contract binding you ( Caine and Weiner ) and I, proof of your claim and a signed invoice within 15 days if they could not provide proof they admit to being a party of interest and can not rightfully enforce a claim, they failed to provide that or respond back. They have little to no information and making it impossible to validate the alleged debt. It have been over XXXX full months since I agreed to pay and they failed to produce the information as it is my right to receive that under the Freedom of Information Act. Caine & Weiner has fringed upon my rights to privacy. I have and continues to suffer from actual damages and injuries as this company has made it completely impossible to exercise my rights getting information on the alleged debt.
05/25/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • IL
  • 60653
Web
Caine & Weiner has been notified of their abuse to me as a consumer and their violation of my rights according to the Fair Credit Reporting Act, at the address they have provided to XXXX and XXXX below via certified mail received XX/XX/2023 at XXXX. Caine & Weiner XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX In accordance with the Fair Credit Reporting act Caine & Wiener has violated my rights. 15 U.S.C 1681 section 602 A [ ( 15 U.S.C 1681 b ( a ) ( 2 ) ]. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish data of an account without my written instructions. The company is falsely accusing me of owing them {$180.00} for services and refuse to remove it from my credit report. In direct violation to 15 U.S.C 1692 C ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. They have continued to furnish data and harasses me in reference to this matter. They have 15 days to rectify this matter. This is just documentation for the lawsuit they will receive XXXX XXXX.
01/20/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • SD
  • 571XX
Web
I was terminated from XXXX XXXX XXXX last year ( XXXX ) and entered into a relocation reimbursement contract with them before my termination to open a new store on their behalf. In the contract I signed, it states I would have to pay the amount back for my move back to XXXX if : a ) I terminate my employment with XXXX, or b ) XXXX terminates my employment for " Gross Misconduct ''. I have supporting documents attached from XXXX Human Resources department explicitly stating I was not terminated for " Gross Misconduct ''. I also have attached emails from other departments in XXXX ignoring my replies to this complaint. XXXX sent this to a collection agency ( attorney office of Caine and Weiner ) after my dispute with no resolution. When I first received notice from Caie and Weiner, I mailed their office a letter disputing this debt, but am still receiving numerous calls and emails trying to collect from me. This has also severely affected my credit score and I do not have the funds to hire an attorney to resolve this matter. The amount attempted to collect : {$7500.00} Collector : Caine and Weiner XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Attn : XXXX XXXX File # XXXX Please find the supporting documents attached to this complaint.
10/26/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 92243
Web
I noticed this fraudulent account coming from Caine & Weiner, after looking into the alleged debt in all three ( 3 ) Credit reporting agencies XXXX, XXXX, and XXXX I then moved forward to dispute this alleged debt with Caine & Weiner. I sent Caine & Weiner a letter of dispute with a conditional communication via mail correspondence only. I did NOT receive a response from Cain & Weiner. Caine & Weiner did NOT send me lawful validation of this alleged debt pursuant to 12 CFR 1006.34 - Notice for validation of debts. XXXX XXXX found Caine & Weiner in violation of Identity theft for obtaining my information under false pretense and furnishing without having permissible purpose of the consumer. I will provide documents that support my claim. Persian to 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) They Are PROHIBITED BY LAW to furnish any public information without informing me about, which Caine & Weiner continues to furnish my public information without having permissible purposes, from [ XXXX XXXX ] pursuant to 15 U.S. Code 1681b ( c ) ( 3 ) Permissible purposes of consumer reports. 15 U.S. Code 1681 q - Obtaining information under false pretenses. 18 U.S. Code 1028A - Aggravated identity theft. These are the violations of Consumer LAWS
03/27/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • MI
  • 48170
Web
In fall 2014, Caine & Weiner ( C & W ) contacted me about collecting a debt associated my previous employer. After receiving the initial communication from C & W, I sent a letter in response requesting full documentation of the debt in question, since it was unclear on what the debt was and why it was being collected. C & W responded by providing some information, but not enough to explain the debt. On XXXX/XXXX/14, I requested additional information and, after receiving no response for several weeks, called C & W to inquire about the status of my request. My call was returned by a C & W employee who indicated that he had no intention of providing any additional documentation, despite the obvious lack of support for the debt. Further, the employee 's tone was hostile and threatening. I have since been discovered that Caine & Weiner has also taken action with several credit reporting companies including XXXX, and XXXX with regards to the account. The fact that Caine & Weiner knowingly ignored my request for additional documentation while simultaneously reporting negative information to credit reporting companies constitutes a clear violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act.
04/11/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • NC
  • 280XX
Web
I have been trying to correct my credit report for over 6 months. I have asked all 3 credit bureaus to provide proof of the debt ( 609 LAW ) in writing several times and have been ignored with no responce. I don't have any knowledge or recollection of these debt. I believe they are reporting incorrectly and it is affecting personal and financially. Please remove the following inaccurate items listed below from my credit report. XXXX XXXX XXXX XXXX : Status Collection account. {$1900.00} past due as of XX/XX/XXXX ( THIS IS NOT MY DEBT ) XXXX XXXX XXXX : Account info Account number XXXX Date opened XX/XX/XXXX Account type XXXX XXXX XXXX XXXX account. {$1800.00} past due as of XX/XX/XXXX. Status updated XX/XX/XXXX Payment summary not showing XXXX XXXX XXXX : Account info Account number XXXX Date opened XX/XX/XXXX Account type XXXX XXXX XXXX XXXX account. {$1200.00} past due as of XXXX XXXX CXXXX XXXX XXXX Account info Account number XXXX Date opened XX/XX/XXXX Account type XXXX XXXX XXXX account. {$620.00} past due as of XX/XX/XXXX. Status updated XX/XX/XXXX XXXX XXXX XXXX Account info Account number XXXX Date opened XX/XX/XXXX Account type XXXX XXXX XXXX account. {$260.00} past due as of XX/XX/XXXX. Status updated XX/XX/XXXX XXXX
08/20/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • PA
  • 19120
Web
On a recent review of my credit report, I discovered your company reporting the collection account referenced. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes the third party like yourself to collect on this debt. Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the collection account from my credit reports.
06/26/2019 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • AZ
  • 85296
Web
On XX/XX/XXXX, I received an email from Caine-Weiner saying that I owe them {$150.00} for a debt that is 'past due ' I tried to let them know that I am not a member of this business and that I do not have any legal rights to this company, they might be contacting the wrong person. I asked for some information about the debt, any kind of media or anything that I can use to verify if this is in fact my responsibility. After this request, another lady, XXXX XXXX replied to me telling me " The Secretary of State website is still showing this business as active and therefore the amount owing is valid '' I told her that I don't think it works like that, she sent me a screen shot of the Secretary of States website as proof that I owe this debt. again.. I dont think that is right. XXXX XXXX started to fight with me over email, sending many emails to me. She told me " As a collection agency we do not have to provide you with proof of debt '' Again, I dont think this is right either. This company has called my phone no less then 10 times yesterday and again today. they will not provide me with any information that I can use to verify that this debt is real and at this point they are harassing me about a debt that they will not confirm.
11/10/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • TN
  • 38114
Web Servicemember
On XX/XX/XXXX I initiatied an auto insurance policy with XXXX XXXX XXXX for my automobile financed. A couple of months later I added a paid for vehicle to my policy. On XX/XX/XXXX, I contacted XXXX and informed them that I was selling the used vehicle and I didn't need auto insurance anymore due to me not having a vehicle. The customer service agent then notified me that Tennessee law requires residents to have automobile insurance regardless of ownership. Nevertheless, I was not in a position where I was going to pay for auto insurance on a vehicle which I no longer owned.I informed the agent to cancel my policy and send me written notification of the cancelation request in question. I never received written confirmation of the request in question and I received notification from Caine & Weiner Associates that they were attempting to collect debt on a satisfied account. The Fair Credit Reporting Act { 15 U.S.C. 1681 ] ; states that ( 1 ) The banking system is dependent upon fair and accurate credit report- ing . Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
07/06/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NY
  • 11365
Web
Consumer reporting agencies, area research reporting are reporting late payments in violation of 15 USC 1681A. Transactions are not to report on the consumer report, late payments are a form of Transactions. According to 15 USC 1681 B permissible purpose of consumer reports must be in accordance with the written instructions of the consumer to whom the report relates, without permissible consent, it's identity theft. The consumer report has wrong addresses, wrong names. I only give permission to report paid in full, on time, and as agreed. My consumer report should not contain any debts in collection, I have not consented to my private and confidential information to be given to any 3rd party, I have never been given any notice or opportunity to opt out of any debt in collection. Debts in collections where not properly verified, they have NOT proven they are licensed to operate in my state, they haven't provided proof of ownership of the debt, they haven't shown the original contract showing I owe the debt or the amount, I have not done business with the collection agency that would justify me owing them anything. There are debts in collections on my consumer report that has a positive balance. FALSELY REPRESENTING A CREDITOR.
07/21/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • LA
  • 70737
Web
I have submitted several letters to all XXXX credit bureaus- XXXX XXXX XXXX XXXX and XXXX disputing this Account with CAINE WEINER XXXX They keep sending me a letter that this account was verified, but have failed to explain WHY, WHO, & WHEN? They have failed to present me with proper documents that show their method of verification. They have also failed to show me original documents bearing my signature with this account. This account also shows a few incorrect information such as the ''date opened '', '' closed date '', ''account status '', ''dispute status '' and ''date of last activity ''. All XXXX credit bureaus are reporting DIFFERENT INFORMATION on this SAME account which is against my consumer rights. According to the FRCA consumer reporting, agencies must correct or delete inaccurate, incomplete, or unverifiable information. If this UNVERIFIABLE and INACCURATE information is not deleted in 30 days I will be visiting my local small claims court to begin the process of a Lawsuit against ALL XXXX credit bureaus AND CAINE WEINER for reporting false information on my credit report AND defamation of character. I expect to receive an updated credit report within the next 30 days showing that this account has been DELETED.
05/30/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NE
  • 68104
Web Servicemember
I have attempted to dispute the adverse account they claim I owe to XXXX from XXXX in the amount of {$130.00}. I have disputed this a minimum of 3 times through XXXX. They responded with a billing statement from XXXX to verify the debt. Their responses from XX/XX/XXXX and XX/XX/XXXX do not verify that I owe the alleged debt. I have contacted XXXX about this attempt by this debt collector to collect an alleged debt and they do not have a record of it. XXXX was able to confirm and provide info about my past policies which had termed in XXXX and XXXX. Yet, they continue to report this debt with out validating it per 15 U.S. Code 1692g - Validation of debts. This inaccurate reporting of an account that has not been validated as mine has caused me harm in mental stress trying to get it resolved as well as limiting my ability to get credit on fair terms. XXXX has not done their due diligence either as they have simply parroted the information Caine & Weiner have supplied as being verified due to their apparent business relationship. I demand that this is removed from any and all credit reports created, held, and/or maintained by any and all credit reporting agencies this adverse, unvalidated information has been reported to.
10/31/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 92692
Web Older American
I received a collection notice from Caine and Weiner on XX/XX/XXXX. My research on this matter to date indicates that this matter relates to an investment my XXXX XXXX XXXXXXXX XXXX at that time, not a XXXX XXXX ) after she was referred to XXXX XXXX in the late XXXX 's. This involved XXXX shares of XXXX XXXX, a commercial XXXX investment. Following our XXXX in XXXX, this investment and over half my pension plan and other real properties were awarded to my ex-wife pursuant to a QDRO ( qualified domestic relations order ). RanconIV has been the subject of multiple lawsuits. A law firm suing on behalf of Florida residents advised me that XXXX of their causes of action included the fact that XXXX XXXX had no sufficient background or credentials to be selling these securities since he was only an insurance agent at the time.I called Caine and Weiner on XX/XX/XXXX and requested that they forward to me proof that I owe this debt and that I ever gave XXXX XXXX written approval to administer or domicile these funds. By report, my ex-wife has suffered from XXXX XXXX for many years and is in thXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This may explain why she has been unaware /unable to deal with this issue.
03/14/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • OK
  • 741XX
Web
I am filing a complaint against Caine & Weiner. This company is in clear violation of the following and these debts should be removed immediately. The creditor did not verify the debt. I am exercising my right under the Fair Credit Reporting Act, Section 609, and requested information regarding items that are listed on my consumer credit report. The creditor did not respond within a reasonable amount of time nor provided me with a copy of my signature with the provider of service where I authorized a release of my information to Caine & Weine in the amount of {$640.00}. As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature which has not been sent from this creditor. I am requesting full documentation of what you received from the provider of service in connection with this alleged debt which has yet been sent. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. This company was unable to verify the account with the original contract, and the information should be removed Immediately!!!!
11/06/2021 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TN
  • XXXXX
Web
Account Name : CAINE WEINER Account Number : XXXX Balance : {$220.00} This letter is a formal complaint against CAINE WEINER, a collection agency located at XXXX XXXX XXXX XXXX XXXX CA XXXX. They have repeatedly violated my rights per the Fair Debt Collection Practices Act and I'm just over my head with this company. I can't take any more of the stress from fooling with this company and them reporting inaccurate and unverifiable derogatory information about me to the Credit Reporting Agencies. They have refused to validate the debt. I have sent my validation letter on XX/XX/2021. Even after debt validation had been requested from them, they deliberately continued collection activity and have electronically verified this debt to the Credit Reporting Agencies, without having validated the dispute with me first, and have since continued to report these accounts to the bureaus. This is a direct violation of the FDCPA and is 100 % unacceptable. Furthermore, Im aware of the many other complaints against this company for their illegal and unethical collection activity. So this really must be addressed and resolved. My next step is to bring media attention to this issue and also to take this matter to court if I have to.
08/09/2021 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • FL
  • 331XX
Web
Caine & Winer got this collection from XXXX. My policy was $ XXXX, I stopped my progressive insurance on the XXXX of the 6th months because I did not want to renew because it was too expensive. Still they charged plus over charged me. Please check my screenshot. I do not owe them. I cancelled my policy on the first of the month because the renewal was too expensive. I called them. But the still charged me for 1 last months while I have XXXX when I called them, they said no body stopped my services, so they charged me anyway for 1 straight month. But even over charged. Because my payment was supposed to be {$240.00} They reported {$490.00} and I called them. They said I have to Caine & Winer, but hey I called them they be telling me if I don't pay my credit will be messed up. I have enough evidence to make a court claim, I don't ; but they have the power to sit in my report illegally for no reason to destroy my life and future in this system. Because they have too much power. I attached all the proofs of what I was paying and where price went up. It was a 6 months policy, I left it on the 6th month. But still they over-charged. They could charge me for the one day of the 1st of the month, but not for this much.
07/03/2017 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • AZ
  • 85029
Web
A XXXX XXXX charge was fraudulently made against my credit card by an unknown third party and the merchandise was erroneously delivered to my address. I contacted XXXX XXXX in XX/XX/XXXX and was told that they would make arrangements for me to return the merchandise via XXXX and that someone would contact me. They provided me with case # XXXX. The next contact I received was a letter from the collection agency about which I am complaining. I contacted XXXX XXXX again and was told that they would not make arrangements for XXXX to return their merchandise to them and that I would have to return the merchandise to a XXXX XXXX store. I returned the merchandise on XX/XX/XXXX to XXXX XXXX store # XXXX and was issued receipt # XXXX. I advised the collection agency of this and requested that my record be cleared. They responded by insisting this is a valid debt of mine and they refused to contact XXXX XXXX to confirm that the merchandise had been returned to them. I have subsequently sent them proof that this is not my debt and that XXXX XXXX considers this issue to be resolved. I then sent six additional requests to the collection agency, none of which have even been acknowledged by the agency.
05/25/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 76002
Web
My name is XXXX XXXX XXXX, a federally protected consumer, and I am making this complaint against Caine & Weiner Company , Inc. for committing identity theft. I have never given Caine & Weiner Company , Inc. any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Caine & Weiner Company , Inc. can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Caine & Weiner Company , Inc. continues its collection efforts, I will file for litigation for actual damages caused and Caine & Weiner Company , Inc. will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
07/22/2017 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • XXXXX
Web Servicemember
XXXX XXXX XXXX turned an account over to a collection agency named Caine & Weiner to collect a debt that I do n't owe and that was as a result of identity theft. I have made both XXXX XXXX and Caine & Weiner aware that this debt does not belong to me and was as a result of identity theft but both of them have ignored me. XXXX has had agents threaten me when I have called them to make the aware that this was fraud and told me that I needed to just pay it or that they would have me arrested. I have tried to have communications with this company multiple times but they continue to threaten me and intimidate me. The very same is true with Caine & Weiner there agents are also unethical, when I have called in to their collection agency to allow them to know that the debt they were attempting to collect was fraudulent, they have also threatened to have me arrested if I did not pay the debt that I have explained to them that I did not owe and was as a result of identity theft. I have been yelled at and cursed at by the representatives at Caine & Weiner. Both Caine & Weiner have told me that they plan to continue to defame my character and hold me liable for this fraudulent debt until I pay it.
07/07/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 92708
Web
Hello thank you for considering my complaint. Ive never had to deal with this before so its all new to me. My young family of XXXX & I were living in an uninhabitable apartment in XXXX XXXX due to mold ( actual mushrooms growing out of our kitchen ceiling ) & we withheld rent for 24 days and then moved out. The apt was proven uninhabitable by a remediation company that took samples & by the citys code enforcement. After moving out we received a letter on XX/XX/2020 from our ex landlord asking for us to pay {$1800.00} for those 24 days of XX/XX/2020. We wrote a letter back saying we do not owe the debt and the reasons why. Another month or so later we received a debt collection letter from Caine & Weiner ( attn XXXX XXXX ) for that debt that the ex landlord was trying to collect. We sent a dispute letter to debt collector in response within the 30 days. I also sent in a letter explaining to the debt collector explaining why do not owe the debt including pictures of the mushrooms, mold reports, etc. Just recently, we received our 2nd debt collection letter from the same person/collection agency and am not sure how to move forward. Any help would be much appreciated. Thank you very much!
12/19/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NJ
  • 07003
Web
I have a debt on my credit report that is not mine. It is a debt from XXXX XXXX XXXX. The collection agency is Caine and Werner. I never knew what that was until it showed up on my report. There was an account opened in XX/XX/2017. I sent a letter telling them to verify the debt and they sent a response back. I have contacted the Fraud Analyst at XXXX also and have not gotten a response back. I sent letter to him via certified mail and the receipts were returned to me. I sent copies of the police report also. No one has contacted me back. And this debt is still on my credit report. The date of birth is wrong, the email is wrong, the address is wrong, the telephone number is wrong and I don't know what XXXX is. Creditor : XXXX XXXX XXXX XXXX- Account Number is XXXX Amount owed {$1600.00} Collection Agency- Caine & Weiner XXXX XXXX XXXX, XXXX XXXX Ca XXXX/ Phone number is XXXX I sent a letter to the collection agency and XXXX XXXX at Fraud & Payments Analyst/XXXX XXXX XXXX XXXX and I called him and left voicemails with no response. This is totally unfair. Police reports have been sent and no one is making any contact with me. I should not be responsible for a debt I did not charge.
12/06/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • OH
  • 43119
Web
Since XXXX of 2023 I have been sending Caine and Weiner letters to validate the debt they say I owe to them. They have not provided me anything that validates the debt per the fair debt collection act. Here are the things I have sent and requested below. 1 ) An explanation of the alleged account balance. 2 ) A complete Audit Trail calculation of this balance, including the complete payment history on this account, to confirm the amount is correct. 3 ) Documentation that shows my agreement to pay this debt with my signature and my authorization to report this to my credit report. I did not give my consent to you having my information, and any unauthorized use of my social security number is identity theft and will be reported. 4 ) The Agreement that grants you authority to collect on this alleged debt. 5 ) A copy of your state license, including license number that gives you rights to collect in my state. 6 ) The purchase agreement. 7 ) A sworn statement under penalty of perjury to confirm your presence during the alleged debt. 8 ) Demand for you to provide Chain of Custody for account to ensure the financing and hand-to-hand transfers are correct. 9 ) Master Bill of Sale.
11/10/2022 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • MA
  • 02301
Web
On XXXX XXXX I filed complaint against Caine & Weiner collection agency of XXXX XXXX XXXX XXXX. The Caine & Weiner company response that they couldn't locate an account noted in my complaint. See enclosed negative data my XXXX report posted by Caine & Weiner collection agency. XXXX XXXX XXXX failed to cancel my auto insurance within a timely request called in on early XXXX. The policy was set up to renew in XX/XX/2021. I request XXXX XXXX to cancel the policy ahead of time. Did I have to speak to more than one person, a supervisor, some other associate? I don't understand. The agent I spoke to in XXXX impressed me that she understood that I was no longer interested being insured by XXXX XXXX for unsatisfactory reason ( s ), clearly stating I want the insurance policy canceled immediately. I manage to get a much better insurance policy at lower premium and extended coverage. I dropped XXXX XXXX policy/coverage weeks before the renewal date. There should be a XXXX balance. One would think that such a Huge company like XXXX XXXX XXXX whose worth millions of dollars would sabotage the financial status of the small guy who simply trying to stretch his dollars and save a little.
02/13/2017 Yes
  • Credit reporting
  • Incorrect information on credit report
  • Information is not mine
  • FL
  • 33626
Web
Dear Sir/Madam, I just found out that Caine & Weiner, a collections law firm, has reported and opened a collections account on my personal account and it comes up when someone pulls up my credit. I have never asked or received a personal loan from their client, XXXX. That loan was received by a small business and it was a small business loan without collateral or personal guarantee. The company that got the loan went out of business and now, this company is coming after me. I 've never signed a contract and the company was using my signature for loans and other business matters as I was XXXX of the shareholders. This company ca n't post this under my personal account as there is no proof that I signed for that small business loan and it was a small business loan, not personal. This company is using my social security number for wrong purposes and they have to delete this record from my file immediately. I 'm in the process of moving and this has created a big problem for me. It is against the law and they jeopardized my housing opportunity and my job application. I will file law suit against this company if they do n't delete it from my personal record immediately. Regards, XXXX
04/30/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30349
Web Servicemember
Debt Collection Agency Caine and weiner are collecting a Debt that I do not owe, states that they are collecting in behalf of XXXX XXXX XXXX. I have disputed this debt several times and sent letters requesting debt validation from the company two times on XX/XX/2019 and XX/XX/2019. That have yet to furnish a signed contract or proof. I have also contacted XXXX XXXX XXXX on XX/XX/2019 requesting information and they dont have in there system. I recently reached out to Caine and Weiner today and spoke with a representative who could not validate the debt either and I was transferred to her supervisor XXXX XXXX who was no help and said he could not do anything or remove this debt. I had to contact XXXX which I already have. Caine and and Weiner do not have a signed contract between myself and them obligating me to pay this and need to remove this from all of my credit reports immediately. Company falsely reported to credit reporting company that account was disputed. Never received communication from this company a contract signed by myself stating that I owed the debt. Recent harrassing calls from a woman who is very rude and threatening. I have disputed with all credit bureaus.
09/14/2018 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • NV
  • 89123
Web
The collection agrncy called me and i offered to pay the debt in full. I Provided them with my bank account info to make the payment and asked if after i spoke with the original creditor if it was determined that there was a mistake if i would get a refund if the payment. The agent asked me why i would pay a bill i didnt owe and i informed her i was in the process of buyi g a house and coukd bot have a negative account reported on my credit report. She immediately put me on hold transferring me yo her supervisor of who i asked the questionagain and then told him that i was willing yo pay the accoubt in full with thr i go they had on file. He asked if i had a credit card and i stated no he yold me ifni wanted to get the new house i wanted i better get a credir card because he would not take the form of payment i was offering and hung up. The account is got a insurance policy i cancelled on XX/XX/XXXX. There was no attempt by the original credit grantor to collect payment and they sent the ccount to collections less than 30 days after the policy was cancelled and the collection agency contacted me in XXXX and had reported the account on my credit report by XX/XX/XXXX.
07/28/2020 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NC
  • 28079
Web
A debt in the amount of {$69.00} showed up on my credit report. The debt is for Caine Wiener # XXXX. The telephone number listed is XXXX i called this creditor on XX/XX/XXXX and spoke to someone with the initials of XXXX.. The individual would not provide me with a name. I called to inquire about the debt listed on my credit report and the person would not give me further information in order to validate the original debt from 2016. The only information he would give is that the original debt was for XXXX XXXX XXXX. I asked for an invoice to validate the debt and he could not provide that but said i should contact XXXX XXXX XXXX. I have never once received any communication on a balance owed to XXXX so I can not pay this balance. I don't even know if this debt collection agency is legitimate, even though the agent says it is. How can I be certain? I called back on XX/XX/XXXX and spoke to a lady with XXXX XXXX She refused to give me her full name. Again, this company does not seem legitimate and makes me feel like they are trying to scam me out of money. Other than this collection, my credit is impeccable but this seemingly false debt is tarnishing my credit rating.
10/20/2023 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 330XX
Web Servicemember
I received a notice in the mail on XX/XX/2023 which came from Caine and Weiner saying that I have an outstanding debt of {$840.00}. I went on the website immediately and completed the online form to request them to stop collection and to send me information that shows that I owe the debt. I did not receive any further correspondence from them a few weeks later I called to request them to stop collection and to send me information that shows I owe the debt. they sent me back to the website and I filled out the form again. I received no information from them again. On XX/XX/2023 I called them for the third time to request them to stop collection and to send me information that shows I owe the debt. again they sent me to the website saying that I had filed a cease and desist and that's why they had not sent me any information. However, I had never filed a cease and desist. On XX/XX/2023 they sent me documentation via email that shows a XXXX BALANCE ( ie, an outstanding balance of XXXX DOLLARS ). Via email, I asked for additional documentation that shows that there is actually an outstanding balance of {$840.00} but they refused to provide that information to me.
10/29/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • GA
  • 303XX
Web Servicemember
In accordance with the fair credit reporting act XXXX account # Caine and Weiner company has violated my rights. 15 USC1681 section 602 states I have the rights to privacy. 15 USC1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. I had XXXX XXXX on my vehicle and it is 100 % paid off from XXXX .This account was a result of an unpaid insurance bill for a car that is no longer serviceable and gone forever and its unfair to me and my current financial hardship. My vehicle was declared a total loss, I lost everything. My job. My place to stay. My insurance agent said I was 100 % covered during the time of my accident. My claim took a outstanding time to handle and Im exercising my rights to have this account removed for various reasons, it affecting my ability to get another car because lenders wont lend to me because of the collection, violating my rights, and I did not consent to do business with craine wiener company in any way. I want this account removed immediately from my credit report so that I can have a chance to rehabilitate my self and get another vehicle please.
05/18/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • GA
  • 30319
Web
I am XXXX XXXX, a federally protected consumer and I am submitting this complaint against Caine & Weiner Company regarding an account that they purchased from XXXX. I am writing this complaint before this alleged debt finds itself illegally being placed on my consumer reports with no regard to how this affects me. First, I would like to state that I have never given Caine & Weiner Company any permission to use any of my identifying information to commit aggravated identity theft by contacting me about an alleged debt they claim that I owe. I can admit that I have never validated this alleged debt with XXXX XXXX and while I have not validated such a claim of debt this in turn can not be constructed as an admission of liability. As of XX/XX/2022, I have not received any documentary evidence such as a trilateral contract between, XXXX, CAINE & WEINER COMPANY, and myself, giving Caine and Weiner Company any right to collect on this alleged debt. It is my belief that Caine & Weiner Company is attempting unlawful fraud activities and theft by deception by attempting to furnish false and deceptive forms and continues to commit several violations under the FDCPA.
04/06/2023 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • VA
  • 23322
Web Servicemember
I called both the third party and XXXX to handle this issue in the most respectful way and I did not receive the same respect in return. The company is saying I owe XXXX XXXX for policy cancellation and return payment back in 2018. My policy was cancelled twice because of proof of garaging that was not sent in the first time. I wasnt sure at the time what that meant or what happen so after that I started the policy back up and paid again to get it back for it to get cancelled because of the same thing to later find out the they meant proof of address. So now they tell me it was because of a payment return and that they still insured me but as I told the rep on the phone I have no knowledge of a return payment or anything and I told them it was still no reason to put it on my credit. The information they have on file for me was incorrect so I never received an email I only received mail that said cancellation due to proof of garaging. They would not listen to me or work with me in anyway so I decided to take the next step.I also asked for supporting documentation of anything they said to me on the phone and they would not provide and I was given attitude.
10/30/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NV
  • 89118
Web
I am enrolled in a XXXX update program and every year in XXXX i get a new phone from apple using their financing company called XXXX XXXX. Unfortunately this year i got denied with the following motivation " UNSATISFACTORY CREDIT EXPERIENCE WITH OTHER CREDITORS ''. I immediately ran a credit report on my XXXX and everything looked good as usual except for an illegal debt collection activity. On XX/XX/XXXX, the company CAINE & WEINER COMPANY INC submitted a collection debt for the insurance company progressive. The amount due is {$230.00}. The date of First Delinquency is XXXX XXXX, XXXX. The Date Assigned is XX/XX/XXXX. I want to clarify that the debt is not mine for the following reason : I am originally from XXXX and i moved to XXXX on XX/XX/XXXX, after that date i got all my document including SSN, DL and immigration documents for that reason the debt it can't be mine. I Have never had an account with them. This illegal practice is causing several problems and i really wan to fix that legally. I absolutely don't want to pay a debt that is not mine. I am willing to provide any documents you need to fix the problem. Kindly Regards XXXX XXXX
01/13/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • NJ
  • 07105
Web
This company keeps sending letters to my house and calling me before XXXX and after XXXX stating that I owe money due to non payment from progressive however, on numerous occasions I 've sent letters and disputed this information from my file because everytime I ask that they validate this debt they ca n't provide me with sufficient answers. They are very rude, and have been threatening me with lawsuits. I know that this company has insufficient proof to report on my credit report. I have not received any documentation on the debt validating that is in fact mine he told me he could not provide me with those documents because he was n't in control and I had to speak with the company who referred me to them. When I called the company they told me I had to deal with Caine and wiener in which I call everyday to try and get this account removed from my credit report. I believe that Caine and wiener are now in violation of the FDCPA for not complying with my request to verify debt and upon receipt I want this account immediately removed from my credit report. This company uses fraudulent practices to try and intimidate people to pay these non existing debts.
05/08/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • IL
  • 60653
Web
This is the fourth Complaint to the CFPB about Caine & Weiner who have not address the said laws they are breaking in direct violation of my consumer rights! Illinois State Attorney General has been made aware and court proceedings will follow this fourth complaint soon. In accordance with the Fair Credit Reporting act Caine & Weiner has violated my rights. 15 U.S.C 1681 section 602 A [ ( 15 U.S.C 1681 b ( a ) ( 2 ) ]. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish data of an account without my written instructions. The company is falsely accusing me of owing {$180.00} for services and refuse to remove it from my credit report. In direct violation to 15 U.S.C 1692 C ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. They have continued to furnish data and harasses me in reference to this matter. This is not a dispute for the law is the law and can not be disputed.
06/29/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CO
  • 80017
Web
So I received info in the male regarding an bill from a rental car that was rented through a insurance from a car claim. After speaking to a rep name XXXX she explained that I rented a vehicle XX/XX/2016. I explained impossible she begin questioning for if I am correct she never mini Miranda me or told me was on a recorded line I asked her first last name she told me she does n't have to '' because she does n't want to ''. At that point I explained that her info is wrong and it should be a dispute. I asked questions she said she will get a manager then a guy name XXXX gets on the phone very disrespectful loud interrupting every thing then as i asked his full name he begin to get upset yelling being deceitful and hung up in my face. I called back he put and hu the telephone 3 times. I called all leadership and never received a phone call. Today after cease and desist I received a phone call and it is the same little girl I spoke to I made aware cease ad desist. They also called my brother after having good info for me and said what they were calling about and gave name of company. My brother has I 'd caller and tracked number is was the same company
09/08/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • FL
  • 33056
Web
Hi, Im submitting this complaint myself and there is no third party involved. On XXXX I was a part of a consumer credit transaction this wasn't disclosed. Upon discovery I realized that I was Fraudulently damaged. Due to 15 U.S. Code 1692 ( e ) and 15 U.S. Code 1692a ( 3 ) Credit reporting is optional, there is no law in the US which says a transaction has to be reported to a consumer reporting agency. You will be civically liable if you do not reply because congress states credit reporting is optional. Under title 15 USC 1681n civil liability for willful non compliance -Any person that willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in the amount equal to the sum of ( A ) Any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) In the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00} whichever is greater
10/24/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NJ
  • 070XX
Web
XXXX, XXXX, & XXXX -- -There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transaction to be reported on my report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error : nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transaction. The identified transactions are not information related to by me as the consumer. XXXX -- -- Caine & Weiner XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX -- -- -- Caine & Weiner XX/XX/XXXX, CAINER & WEINER XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX ' XXXX -- -- Caine & Weiner XX/XX/XXXX, XXXX XXXX XXXX XXXX CAINE & WEINER XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX You are required to do what I am asking and block these transactions from being reported to my consumer report with in 4 days from the date of the receipt of this notice I look forward to your response. Thank You,
01/15/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NV
  • 89014
Web
I disputed a debt on my credit report. I received my dispute results and the item was deleted from XXXX. I contacted the company to see if XXXX and XXXX would be updated and they stated it was not deleted and also do not have my correct address on file. The company Caine & Weiner could not verify the debt to be mine and also deleted it. I was confused and upset. I inquired about getting a deletion letter or an update sent to XXXX and XXXX and they hung up on me. I called back and was onhold for 1 hour and no one came on the line to assist. ! st call : Caine & Weiner : Acct # XXXX -- amount {$210.00} XXXX at XXXX PM PST I spoke to XXXX and XXXX the Operations XXXX and XXXX hung up on me. I was told the above scenario. 2nd call : Caine & Weiner Acct # XXXX -- amount {$210.00} XXXX at XXXX PM PST I spoke to XXXX who had a different phone number, different address and could not verify my social security number while speaking to me. I advised of my XXXX report and he stated that I email it to XXXX and put my acct # in the subject line. XXXX stated that I was not able to speak to a supervisor and that someone would call me back. No one did.
08/02/2017 Yes
  • Debt collection
  • Auto debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • TX
  • XXXXX
Web
XXXX XXXX sent this debt to a collection agency. The agency advised me the debt was made up of {$150.00} for the service and {$12.00} NSF fees. I spoke with XXXX at XXXX XXXX XXXX at XXXX. Then I called XXXX XXXX to discuss the amount owed. XXXX told me the only fee they had {$10.00}. They could not tell me what the {$2.00} came from. Apparently, it was for some monthly servicing charge I was not aware of. Then, I requested to speak with a manager ( XXXX XXXX ) who told me my last bill was charged {$0.00} fee for the state of TX. Then, he said it equates to {$1.00} per car. However, this does not equal {$2.00}. I requested the debt be brought back in house to pay and the fees be waived. The rep told me no and I could pay the full amount. The collection agency told me I could dispute it with XXXX with their dispute department. However, XXXX stated they have no such department. I have been attempting to speak with customer service who is not very service friendly. XXXX stated that the collection agency may have tacked on additional fees. XXXX told me they were not. I am challenging this complete debt is valid since no one can explain the fees.
02/10/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • CA
  • 94080
Web
I had a 2 years old account for car insurance. After first Months, the insurance company dropped me saying they couldnt honor the insurance for corporate vehicles and then they cancelled my insurance. Your company has committed multiple violations and mistakes in my credit reports. Craine & Weiner Company, Inc has damaged me being NEGLIGENT AND UNFAIR. Your company has committed the following damages {$10000.00} : failure to get mortgage, paying higher rates on loans, failure to secure funding, psychological hardship and suffering through loss of sleep and anxiety. Account information below : Date Opened : XX/XX/XXXX. Balance : {$120.00} Original creditor : XXXX I have made my research and your company is committing multiple violations to the CCRA. Please read them carefully. I need you to take this matter seriously : Canceling insurance Negligence Unfair business practices Re-aging account Defamation of character Because all the damages and violations that I have suffered, I deserve to get this account removed from my records. This is my demand. I give you a deadline of 30 days ( until XX/XX/XXXX ) to delete the account from my reports.
05/13/2016 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • CA
  • 90230
Web
In XXXX of 2013, my wife underwent a procedure at XXXX. I was the primary subscriber for medical insurance with XXXX. XXXX then sent me a check in XXXX 2013 for {$350.00} stating that they are not contracted with XXXX, hence they were sending the check to me, so that I could pay them. I cashed the check and then paid XXXX for this amount. After 3 years, I received a debt collection notice from Caine and Weiner stating that I owe XXXX {$350.00}. I got on a call with XXXX representative and then we conference called Caine And Weiner. The collection agent there would not listen to me and kept accusing me of " unlawful enrichment ''. He said that XXXX directly made the payment to XXXX. I then sent a written response and asked Caine and Weiner stating that it was not my mistake if XXXX sent another payment to XXXX and that XXXX ( through Caine and Weiner ) should go after XXXX to recover the over payment. I am deeply concerned that Caine and Weiner will report this to the credit agencies without proper due process. I feel strongly that XXXX is resorting to strong arm tactic to cover for their mistake. Need your help. Thanks and regards
11/21/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NV
  • 89512
Web Servicemember
While I was checking my credit reports I found that the collection firm Caine and Weiner has a collection filed against me for a debt that is not mine. I've contacted the original debt holder XXXX and they confirmed that the debt was indeed inaccurate. XXXX informed me to contact Caine and Weiner since the account was transferred to them. I have contacted Caine and Weiner but they have refused to delete this inaccurate account from each credit bureau. Prior to me contacting Caine and Weiner, I never received any type of dunning letter or statement claiming that this debt was mine. I was never given a 30 days notice to contact the original account holder Caine and Weiner, nor have I received any phone calls. This account that was transferred to Caine and Weiner shows account history from XXXX XXXX, NV. I've never lived in XXXX XXXX, NV nor have I ever owned any of the vehicles that were listed on the account. Caine and Weiner has requested that I contact them directly but at this time I will not be providing Caine and Weiner any further information since they have mishandled someone else 's information that is similar to mine.
10/26/2022 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Used obscene, profane, or other abusive language
  • MI
  • 48092
Web
Caine and Weiner has violated my Federally protected rights. I sent the attached Notice and they failed to comply. I am aware of the fraud your company is committing. Pursuant to 15 USC 1692 a-3 I am not obligated nor responsible to pay a 3rd party debt collector. I am aware of my SSN belonging to the Social Security Administration and anything purchases with that identifying number is an obligation of the United States according to 18 USC 8 and being that you are attempting to collect on debt that aroused out of transaction that was used solely for personal, family and household purposes making you guilty of the False Claims Act 31 USC 3729-3733. I will report your company to the Federal Trade Commission ( FTC ) as they prohibit holders and purchasers from selling and purchasing consumer credit contract you are violating CFR. 433.2 using deceptive and fraud practice to collect on an alleged debt. You are now on Notice to Cease all Communications from me From all Mediums which medium includes my consumer report. Failure to comply will result in Legal Matters in Federal Court and reporting your deceptive, fraud practice to the FTC.
04/22/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • NC
  • 283XX
Web
In XXXX I left a company, and several months later a collection agency contacted me stating that I owed {$26000.00}. After several months and years of contact, no contact, could n't figure out where the debt sat, I was served with a lawsuit in XXXX XXXX. However, I hired a lawyer, he demanded verification of the debt. When we received that, it was a man made excel spreadsheet with many many errors, including duplicate charges with different amounts, overlapping charges, as well as the amounts did not sync with their claims. It was eventually taken before a judge and the judge dismissed the claim in CA court. Now the statutes of limitation has ran out, but they refuse to take it off of my credit report ( they said in XXXX XXXX it was n't on there, but it has been there since XXXX XXXX. ) They keep telling the reporting agencies that instead of resolving this, I need to call them. However, the contact uses very threatening and intimidating language and tactics and I am not comfortable doing so. Even my lawyer was shocked at how aggressive and threatening he was. Also, they accessed my credit report without my consent or knowledge.
03/19/2020 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Impersonated attorney, law enforcement, or government official
  • CA
  • 90045
Web
On XX/XX/XXXX @ XXXX hours I received a call ( phone # XXXX ) from a man claiming to be XXXX XXXX of Caine & Weiner ( Im guessing a debt collection agency ) & stated they were a contracted company out of the City of XXXX Finance Department. He stated that I had not filed/reported for a business license renewal for the year XXXX. Well Ive never applied for a business license first of all, & secondly while I do in fact run a small business, all of my quarterly income & applicable taxes have been reported & filed with the city. My XXXX is in good standing. I believe he obtained my business name & an old address that I did business out of for less than 2 months possibly from discarded mail from that old location. He stated that if I didnt provide proof of this filing that the $ 3k+ debt would remain in collections. I have already updated my address info with the city regarding my business long before I received this call ( obviously a red flag ) so any legitimate paperwork would have been received at this updated address. At this time, Ive received nothing. I asked where I could send the proof & he gave me an email address of XXXX.
05/05/2021 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • UT
  • 847XX
Web
I received a collection letter in the amount of {$1800.00} on XXXX XXXX from the company Caine & Weiner with account # XXXX. This was sent to them by XXXX XXXX XXXX company regarding a mortgage insurance that was cancelled months before. This was all due to an error on the insurance 's part when they did not correctly cancel a policy when it was cancelled. I have been working with my agent and XXXX XXXX to confirm this is all settled and complete which it is. I have a {$0.00} balance and the errors were fixed. Caine & Weiner still tell me I owe approximately {$1700.00} as a debt they are are collecting. They declined to contact the original creditor ( insurance company XXXX to resolve this. It has been almost 4 months and they still have yet to fix this on their end. Had I not been aware of all the rules in place for a collection company to collect a debt, I would be deeply in debt. I know XXXX XXXX and Caine & Weiner are not practicing the correct rules in place. Caine and Weiner need to verify their information before considering someone's debt. They only allow the consumer to send a dispute to their company to resolve this.
03/17/2020 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • AL
  • 356XX
Web
I canceled my auto insurance with XXXX dice their rates were getting so high, well before it was due to renew on XX/XX/2016. However, I had to pay a {$50.00} fee for cancellation of my insurance which I dont know is legal or not. But, I received a bill for {$330.00} from XXXX, long after I had gotten insurance with someone else ; this amount was the renewal fee if I had renewed with XXXX, but I did not. The {$330.00} is the exact amount for renewal in on XX/XX/2016, if I had chosen to renew. XXXX is putting this bill on my credit report, and I do not owe it as I told them I was not renewing and had to pay {$50.00} for canceling the insurance I had ; in fact, I canceled earlier than my previous insurance went out and they got to keep the remainder, but refuse to remove this bill that I do not owe from my credit report. And, each months bill was auto-debited from my account, so XXXX would have taken any amount I owed out if I really owed anything. I feel, the company is just aggravated that we did not renew with them with this high renewal monthly premium, and they are trying to hurt and are hurting my credit with a false bill.
07/15/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • IL
  • 60640
Web
I have for the past 7 months been sending requests to the CFPB about the inaccurate and incomplete information that continues to remain on my credit file with XXXX. The account XXXX XXXX is ONLY reporting on my XXXX credit file, it is not on any other field. Not only is this account still reporting inaccurate and incomplete information and I have requested this to be updated by the bureaus since XX/XX/2023, but I am also submitting another request. The law states that all information must be complete and accurate and if the request takes more than 30 days the items should be removed from the file. The 2nd account is reporting inaccurately and with different dates, different amounts, different notes in the description this is a violation. Account : Cain & Weiner- $ XXXX orignal creditor Progressive- DATES ARE DIFFERENT, AMOUNTS ARE DIFFERENT AND THIS ACCOUNT ISNT ON XXXX. Only XXXX and XXXX, this is a violation as all information should be complete and accurate. Accounts : XXXX XXXX XXXX {$1500.00} is still also reporting inaccurate information with XXXX and different information with XXXX AND XXXX XXXX this is a violation.
01/30/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 76244
Web
On the day of XX/XX/2023, A letter from a Debt Collection Agency called : Caine & Weiner falsely engineered in the amount of {$760.00} has arrived through my private postal service mailbox. Amount is in the positive amount as if they are claiming to owe a credit to me, yet want someone to send them money for no reason. This debt collector is using a name similar to mine which is identity theft. seeking payment though a mailbox without the proper accounting is racketeering. I will now need the following from this unknown debt collector : 1. A legal contract with my wet ink autograph and Caine & Weiner wet ink autograph showing a legal bind between both. 2. A true bill claiming i owe them such funds and/or debt. 3. A signed contract with my wet ink signature where i allow them to use my name no matter the spelling to sell information to credit bureaus. 4. If they are debt collectors which allegedly bought a debt from another legal fiction corporation, show me of the contract and the paperwork for the sum purchased and any transactions binding my name. 5. Show me of a license to operate in the territory and state of texas.
03/28/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • FL
  • 33837
Web
I noticed information being reported on my credit report with this company Caine & Weiner, XXXX XXXX XXXX, XXXX XXXX, CA XXXX, And stating is from XXXX XXXX by XXXX XXXX XXXX office. However I did not owe anything to XXXX XXXX. My policy was switched over when I relocated to another state. If I had old any money on the account then they would not have to provide me car insurance in another state. XXXX what I had said to pay what was owe back in the state of New Jersey before we could give you insurance in the state you're in now. I never heard of this company that is reporting this on my credit report. I also never received one letter from this company. I have no idea who this company is. I also had contacted XXXX on regards to the matter. XXXX is stating they see that I had paid off everything that was old. Did my policy got switched over to another state. They can not understand what is going on. I feel like I'm unfair report anything if I have relocated to another state a long time ago and never got the information. Below is my information from New Jersey. Name is XXXX XXXX, XXXX XXXX XXXX XXXX XXXX New Jersey zip XXXX
04/27/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33625
Web
Caine and Weiner on behalf of XXXX XXXX XXXX. I have disputed this debt several times. With the credit bureau, collection agency- Caine and Weiner and XXXX. It was determined by XXXX that I was being double billed for auto insurnace. I called XXXX in XX/XX/2020 to advise them that I wanted to cancel service as I've gone with XXXX. They assured me that was fine and all was good on their end. Fast forward to now, I am in collections for the supposed amount. I called XXXX again XXXX calls in the past month to have this resolved with no remedy. They advised that, all I needed to do was submit proof of my coverage with XXXX and they would take the necessary action of which I have twice. They have not and neither has Caine and Weiner. I will call XXXX yet again this evening to follow up. But it's absolutely frustrating that after all of my attempts and proactively, it's still on my credit although it shouldn't be, as I do not owe them anything. I do not have the time to spend hours upon hours on the phone, speaking with different reps, getting different stories. Especially for their mistake that I'm already paying for.
06/30/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NM
  • 87120
Web
I began receiving collection notices from CAINE AND WIENER ( C & W ) via email around XX/XX/XXXX stating that I owed money to its client XXXX ( auto insurance ) in the amount of {$400.00}. I contacted C & W directly to inform them that this account was not opened by me and that I had no knowledge of it at all. They suggested that i call XXXX directly to investigate furthed which i then did with no avail! I disputed the collection account SEVERAL times claiming ths same thing - That the account was not mine mor did i have any knowledge of the account, however all my dispute claims where said to have been investigated and found as accurate. This incorrect collection account has not only caused extensive damage to my credit report ( because it is very thin making a negative account very damaging ) but has also cost several hours of my time and has even prevented me from finding better housing opportunities for my family and I. If this company would ACTUALLY investigate these dispute claims they would know that this account IS NOT MINE because I havent owed a vehicle ( let alone needed insurance services ) since XXXX of XXXX!!
03/19/2020 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Impersonated attorney, law enforcement, or government official
  • CA
  • 90045
Web
On XX/XX/XXXX @ XXXX hours I received a call ( phone # XXXX ) from a man claiming to be XXXX XXXX XXXX XXXX XXXX XXXX ( Im guessing a debt collection agency ) & stated they were a contracted company out of the City of XXXX Finance Department. He stated that I had not filed/reported for a business license renewal for the year XXXX. Well Ive never applied for a XXXX license first of all, & secondly while I do in fact run a XXXX XXXX, all of my quarterly income & applicable taxes have been reported & filed with the city. My XXXX is in good standing. I believe he obtained my business name & an old address that I did business out of for less than 2 months possibly from discarded mail from that old location. He stated that if I didnt provide proof of this filing that the $ XXXX debt would remain in collections. I have already updated my address info with the city regarding my XXXX long before I received this call ( obviously a red flag ) so any legitimate paperwork would have been received at this updated address. At this time, Ive received nothing. I asked where I could send the proof & he gave me an email address of XXXX.
11/30/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • CA
  • XXXXX
Web
Canceled a Renters Insurance Policy 6 years ago, but apparently it did n't get cancelled, and was continued to be billed through payroll deduction that went un-noticed. Company changed something so the payroll deduction stopped. Policy was sent to collections due to non-payment. Debt collection company, Caine & Weiner, started to contact me through letters and calls claiming I owe {$71.00}. In XXXX I contacted original XXXX XXXX, the original policy holder, explained the situation, received around {$1000.00} as a refund for the overbilling of the account and was assured that the collection attempts would stop. I then disputed the claim with Caine & Weiner through an email address they provided because their representative claims that disputes can not be made over the phone. I believed matter was concluded but then Caine & Weiner resumed trying to collect a debt not owed in the middle of XXXX. Also, instead of calling my phone number like they had no problem doing so month ago, they are now calling my family members to contact me. I have reached out to XXXX XXXX and have been sent confirmation of not owing any money.
08/08/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • XXXXX
Web
I received an email notification that a debt collection was opened on XX/XX/2023 and added to my credit report by a company called CAINE & WEINER COMPANY. The information indicated that the original creditor was PXXXX XXXX XXXX XXXX ; the alleged amount owed was {$300.00}. I have never done business with or heard of either of these companies. I contacted Caine & Weiner CoXXXX on XX/XX/2023 to inform them that I did not owe this debt and wanted the information removed from my credit report. I spoke with three representatives to resolve the problem, XXXX, XXXX, and XXXX. Each time I was told that they could assist me, but first, I would have to pay a {$1.00} fee online to a company called Identity IQ. When I refused to pay the first two representatives abruptly hung up their phones. The last agent informed me that the {$1.00} would allow both Caine & Weiner and me to access my full credit report for seven days, and Caine & Weiner would submit dispute letters to the three credit reporting agencies for ALL of my accounts in collection. I do not owe this debt. The company appears questionable in its business practices.
06/10/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • LA
  • 70816
Web
I called XXXX to make a payment on a bill I owed. They informed me they sent the account to collections. I asked for the collector and the informed me Cain and Werner. After speaking the collector on XXXX XXXX, XXXX setup an arrangement to pay them monthly {$51.00}. I also made a payment on that same day. Then, on XX/XX/XXXX I was notified that I have a new collection account. That is illegal they didnt provide me with 30 days to respond to the debt before putting it on my credit report. They didnt know whether the debit was valid or not but they decided to add it anyways. I wasnt notified at all. Did receive any letter, phone calls, emails or anything. If they were sending letters, it probably went my old address XXXX. XXXX XXXX XXXX, La, but I have been gone from that address for over an year. If you read the complaints on this company theyre always doing illegal XXXX. Ive been hung up on 10 times and the service it XXXX!! Ps** Ive attached a screen shot from my bank. The transaction happened on the XXXX but posted to my account on the XXXX. I work at bank and transactions takes two to three day to hard post.
07/21/2018 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • AP
  • XXXXX
Web Servicemember
Hi, I started a company ( XXXX XXXX XXXX ) with the help of XXXX in late 2015. I quickly realized that the business was not sustainable due to high electric and water costs. Contacted XXXX to stop my service and mentioned I had dissolved my company because I couldnt afford to keep it running. I only had the business for one season and never sold an item. However I paid XXXX for two years of fee because I wasnt monitoring my credit card and was on a mobilization to XXXX. XXXX have repeated contact me to pay my renewal fee and I keep telling them that I dont have a business and isnt even in the states anymore. Ive PCSed to XXXX for over a year now and since they werent able to collect from me anymore, they have submitted my name to a collection agency ( Caine & Weiner ). Caine & Weiner XXXX XXXX XXXX. XXXX, TX XXXX Phone : ( XXXX ) XXXX Website : XXXX Email : XXXX Can you please help me? This is clearly fraudent actions. How can XXXX continue to try and charge me when I dont even have a business and have been out of the country for a while now. And how its so easy to submit anyones name to a collection agency?
11/24/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • GA
  • 304XX
Web
Caine & Weiner {$1500.00} I challenge the accuracy, compliance and reportability of this listing by Caine & Weiner, and I contacted original creditor and was informed that this is an error and you must remove it, and they stated that this was not verified by their companyaccount was settled with original creditor ( 01 XXXX XXXX ) no contract existdebt can not be collected twice ; this against the law. ... grave errorsfalse claims and reportingI want this removed immediately or litigation may follow. I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification. Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. Please be advised this is against F.C.R.A. law and is a violation of my rights..
07/21/2017 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • CA
  • 920XX
Web
I have received a letter of collection from Caine and Weiner, XXXX. XXXX XXXX, XXXX XXXX, CA XXXX, on behalf of XXXX XXXX, pursuant to their account number XXXX, in the amount of {$190.00}. This apprarently pertains to a cruise that I took in XX/XX/XXXX, with the XXXX XXXX ship, reference XXXX. At the end of the cruise on XX/XX/XXXX, my XXXX credit card was charged some {$540.00}, which was the full amount owing for my trip. I was dissatisfied with various aspects of the cruise in question and requested a refund of {$50.00} of the money paid to XXXX XXXX in the sum of {$540.00}. XXXX denied a refund and I initiated a request to have XXXX adjudicate my request, which was done pursuant to Federal Law. XXXX determined that my request was correct and they refunded the amount in question to me. I assume that they removed that same amount from the accounts of XXXX, but I have no factual basis for that view. Nevertheless, I did not acquire a refund from XXXX and I paid their bill in full at the time they rendered it to me. Please note that at the time I paid XXXX for this cruise, I was a resident of California.
08/30/2023 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • WA
  • 98661
Web
I scheduled an appointment for my cat to be spayed. My friend at the time was taking care of the cat, while I worked and relocated up north. When I made the appointment with XXXX ( located in XXXX XXXXXXXX XXXX ), I put my friends name on the account so he could take her in without me being there ( otherwise they would not have taken her ). I gave my friend cash and he took her to get spayed along with his cat to be neutered and one year later, there is a bill mailed to my previous address saying I owe over {$1000.00} ( and that it had been sent to collections ). I called the vet place ( XXXX in XXXX XXXX ) to see what was going on. I was informed that a XXXX XXXX XXXX XXXX XXXX was opened by my friend who is on the account and is the one who brought my cat to the vet. This was done without my consent, or knowledge, and I did not sign up for this CLUB MEMBERSHIP, but because I opened the account I am the one being charged. I would like to reiterate that I did not sign up for this MEMBERSHIP, nor did I sign any paperwork for this membership, my friend did, and this fee should be in his name, not mine.
08/02/2021 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • NJ
  • 080XX
Web
Caine & Weiner is claiming a debt that is not owed, to them nor any other person ( s ). Caine & Weiner is using false and misleading statements in an attempt to collect a debt in direct violation of 15 USC 1692e ( 2 ) ( 8 ), spcifically that XXXX is a creditor, as defined at 15 USC 1692a ( 4 ). Caine & Weiner has continuously and repeatedly attempted contact via the phone at inconvenient times and at my place of business in direct violation of 15 USC 1692c ( a ) ( 1 ) ( 3 ). Caine & Weiner has made contact and withheld their identity and purpose of communication in direct violation of 15 USC 1692d ( 5 ) ( 6 ) which constitutes harassing and abusive communication. Caine & Weiner has continuously reported information affecting my personal and financial reputation and health, specifically alleged debt without proof of a contractual agreement with consumer in direct violation of Federal Rule 1002 and UCC 3-104.Furthermore, I have no contract with Caine & Weiner and never have. Caine & Weiner inaccurate reporting of my personal information is putting me at significant risk of Identity Theft and Fraud.
07/27/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • PA
  • 19135
Web
I rented a car from XXXX in XXXX. Unknown to me, there was a balance due. I rented another car from XXXX in XXXX of XXXX, and was advised in order to rent another car the balance from XXXX needed to be satisfied. I paid the balance in full in the amount of {$310.00}. As of today, XXXX lost my payment, and submitted my file to a collection agency, who in turn has reported to all XXXX credit bureaus that i owe {$310.00}. I have spoken to several dozen people over the past few months people to get this resolved, to no avail. Most recent, i have faxed and /or mailed over proof of the payment to all XXXX credit bureaus. I have spoken to XXXX XXXX, the Accounting Supervisor at XXXX XXXX XXXX ) ; and have spoken to XXXX, a Team Lead from Caine & Weiner XXXX XXXX ). All parties have apologizes and assured me this will be updated once they speak with the other parties involved. I have been trying to get this resolved for 5 months. I would like this information completely removed from all XXXX credit bureaus, as this was paid in full directly to the creditor, prior to going to the collection agency.
08/07/2021 Yes
  • Debt collection
  • Other debt
  • Threatened to contact someone or share information improperly
  • Talked to a third-party about your debt
  • MD
  • 20747
Web
On Saturday, XXXX XXXX I received an email about a debt that I do not owe. XXXX XXXX sent an email with at least 7 emails attached. The email header had the ( {$1100.00} ) amount allegedly owed. The body of the email listed my name and how she has tried to reach me several times about the debt. My privacy rights were violated because the emails she listed were family people who all have the same last name ; I do not know all the people listed. Also, the amount that is being asked for is not true. The account was closed on XX/XX/2020 and I received a letter from XXXX XXXX stating the account was closed I would be refunded the balance from the company. However, XXXX XXXX is sending incorrect information that the account is past due and active. I also reviewed my credit score and noticed an inquiry on my credit. I did NOT give them permission to pull my credit report. This is also a violation of my rights. I sent an email explaining to XXXX that I will have my attorney to contact them and I do not want them to contact me. I also asked her not to send emails to the others listed in the email.
09/01/2021 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • PA
  • XXXXX
Web
On the first week of XX/XX/2021 i sent out a debt validation letter and i still have not received a response. According to 15 usc 1692g they were supposed to send validation within 5 days of receipt of this letter which they have not done. This is a violation of the FDCPA. Since they can not verify this ALLEDGED DEBT they are currently violating 15 U.S. Code 1692j by furnishing false and deceptive forms on my consumer report. They are also violating 15 U.S. Code 1692f by using unfair practices in trying to collect an ALLEDGED debt as well. I demand this be removed from all of my consumer reports and I demand for this company to stop trying to collect debts that they CLAIM are mine. They don't even have proof that the debt is mine. I have not received any piece of information such as a contract with my signature etc. Even when i asked for validation they did not provide any at all. Since they haven't done so within the 5 days required by law i demand this be removed from all of my consumer reports. They are violating many of my right so if not action is taken I will be seeking monetary remedy.
06/11/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • GA
  • 30542
Web
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
04/16/2022 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • UT
  • 84020
Web
The collection office in their reply admitted they do NOT own the debt they are attempting to collect and therefore are continuing to illegally report information on a consumer credit reporting agency. The company also admitted they did not properly send a debt verification letter prior to reporting the account to the consumer reporting agency. The company also claims that the " client '' they are attempting to collect a past due balance for was for a time period that insurance was provided by a company other than their " client ''. This issue has remained unresolved and as a result, a copy of this complaint and all documentation supporting the facts will be forwarded to the State Attorney General 's Office, the debt collectors " client '' and the Federal Trade Commission. A copy of the USPS Informed Delivery Emails that correspond with the time period indicated by the debt collection company 's prior email will also be provided showing the Debt Collection Company willfully failed to notify me to allow a validation of debt as required by law and therefore violated the FCRA in the process.
06/24/2016 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • NJ
  • 08527
Web
I am being doubly charged for tuition. This was paid by my Student Loans. I attended XXXX University and took out XXXX XXXX loans to pay for the costs of tuition. I only attended the school for 3 months but am being charged XXXX from the school as well as XXXX for repayment on the loans. My student loans were applied to all tuition charges. I am paying off the student loans ( now Navient ) and am current on my payments. I disputed this debt several times including through the original creditor and have gotten no responses, additionally collection attempts on this erroneous debt were continued to be made after dispute and even during a deferment with XXXX XXXX while I was attending a different school. I do not and never did owe this debt as my student loans were applied to all of my tuition costs and I am paying those timely. This needs to come off of my credit report immediately as I never owed this bill. This is plain and simple an accounting error from XXXX. Therefore XXXX sold incorrect information to Caine & Weiner. I have attached proof of the loans that were applied to the tuition.
06/04/2023 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • GA
  • 30082
Web
This complaint is a continuance of the complaint I filed with CFPB on XX/XX/XXXX, # XXXX. Company 's ( Caine & Weiner ) response of XX/XX/XXXX, stated that they would give me a chance to work with the XXXX ( XXXX ) to reach an amicable resolution with respect to the balance of the account, and closed the status as " Closed with explanation. '' As stated in my XX/XX/XXXX complaint that XXXX never gets back to me with an accounting, documentation or support of the debt. I have requested information/documentation and validity numerous times. I have made attempts to get accurate information from XXXX and Caine & Weiner from XX/XX/XXXX until XX/XX/XXXX. The amount owed continues to change and I feel that I have cooperated and have gotten no accurate information or validation of the debt. My detail of the CFPB complaint of XX/XX/XXXX # XXXX had over 46 pages of detail, emails, notes, reports all showing that they could not validate the debt, much less come up with an amount accurately or consistently. I am submitting Caine & Weiner 's letter to me of XX/XX/XXXX and my response of XX/XX/XXXX.
04/06/2023 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • OK
  • 73112
Web
I have a collection amount for {$360.00} through Caine & Weiner law firm, representing Progressive XXXX. I can not find the full account number, only the first six digits, and those are XXXX. I did have progressive as my Car insurance provider, until XXXX of XXXX. After that, I switched to XXXX XXXX. Progressive opened a collection claim against me on XX/XX/. I have bank statements showing two payments, one on XX/XX/XXXX for {$120.00}, and another on XX/XX/XXXX for the same amount. My Progressive account number was XXXX. When I try to login to their website, they no longer allow me access to any of my previous payment information, or information concerning the cancellation date of the Insurance they provided. Considering Auto insurance companies don't insure you on credit, and also that I have two payments on my Bank statement after they initiated their collection, either some or all of that debt is incorrect. I would like the collection removed from my credit report, and if I do owe them something, I will pay it, but I need to be able to validate the debt against my records
05/02/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • FL
  • 33015
Web
15.u.s.code 1681c-2 a consumer reporting agency shall block the the reporting off any any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you arein Violation of this law because I am a victim of identity theft!! Please delete the item immediately! The account should not be furnished on my consumer report as they are in valuation!! Under, 15 u.s Code 1681b- permissible purpose of consumer report ( a ) in GENERAL subject to subsection ( c ) any consumer report agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTIONS of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN consent to report anything on my consumer report which violate my rights as a federal protected consumer. No content is IDENTITY THEFT. As a consumer I am demanding the deletion of the account listed IMMEDIATELY!! Account Caine & weiner XXXX XXXX
06/13/2019 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • Used obscene, profane, or other abusive language
  • NY
  • 10025
Web
I called in the attempt to settle a debt that I have been disputing for over two years. When attempting to discuss an offer the supposible manager said he worked hard behind the scenes to get me a better offer which was over 150 more than the initial offer given by the previous rep. When I asked to speak to a manager the supposible manager got disrespectful and constantly yelled at me telling me he was not going to send me to a manager good luck with that and hung up on me. I called back in and the same rep got on the line with me and again started yelling at me telling me he would not transfer me to a manager he doesn't have to so he's not going to. I then asked why he wouldnt transfer, he said I don't have to it I don't want to so I'm not going to. I asked for the rep 's ID and he refused to give me the information, he also refused to give the company 's information as I requested. The rep was very abusive and disrespectful After some due diligence I found this to be his information : Caine and Weiner XXXX XXXX Unit Manager Address : XXXX XXXX XXXX XXXX floor, XXXX XXXX, CA XXXX
10/11/2017 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • TX
  • 75219
Web
Outstanding debt with XXXX for articles for incorporation. I had an outstanding debt XXXX XXXX Ref # : XXXX Balance : {$440.00} CW # : XXXX I had closed out the corporation as part of the XXXX XXXX legal incident of opening numerous accounts. I forgot to clear the issue with XXXX XXXX. They are working on closing out the corporation with the State of Texas. I received a phone call yesterday from a debt collector : XXXX XXXX Caine & Weiner XXXX XXXX XXXX. XXXX, TX XXXX Phone : ( XXXX ) XXXX Website : XXXX Email : XXXX I spoke with XXXX XXXX and explained I needed more information from XXXX XXXX. After consulting with XXXX XXXX, they have me a 20 % discount on the debt and I payed Invoice # XXXX with a XXXX XXXX ending in XXXX for a total of {$350.00}. While on the phone with XXXX XXXX, we conferenced in XXXX XXXX, and the matter has been closed out. I have received harassment email from XXXX XXXX. He was on the phone with XXXX XXXX. I have spoken with XXXX XXXX, and they have alerted him the matter is closed. This matter is closed and XXXX XXXX and CFPB should cease harassment.
09/12/2017 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • FL
  • 32073
Web
On XX/XX/XXXX, I called Caine & Weiner and spoke with XXXX. She informed me that if I were to set up an automatic payment arrangement, I would avoid the account being reported to the credit bureaus. I set up an arrangement that day-confirmation number : XXXX. They collected money via my checking account on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ; with that last payment being XX/XX/XXXX. On XX/XX/XXXX I received a credit monitoring alert that Caine & Weiner had reported my account to the credit bureaus. This had a very negative impact on my score and was the very effect I was trying to and told would be avoided with the automatic payments. On XX/XX/XXXX I called Caine & Weiner and spoke with XXXX. He informed me that XXXX did not place the hold on my account that would prevent it from reporting negatively. He stated that it was an error on Caine & Weiner 's behalf and that he would speak with a supervisor to delete the file from my credit report. As of XX/XX/XXXX it is still being reported as negative. I have not received any communication from Caine & Weiner regarding this.
07/04/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • PA
  • 19143
Web
The Collection Company, ( ACCOUNT NUMBER : XXXX XXXX XXXX XXXX XXXX XXXX is attempting to collect a debt from me that I DO NOT OWE. I have never entered into any business arrangements nor have I signed any contracts to conduct any kind of business with this company. This company is a 3rd party collector and has absolutely no permission to furnish any information on my credit report. The law states that before you collect any information about me you have to get my authorization to access my credit report for any purpose and unfortunately this company did not follow the proper protocols and is in violation of the Law. I have recently requested VALIDATION OF DEBT from this company which includes providing me with : PROOF OF CONTRACT, a certified copy of an authenticated original contract with my signature, specifically naming XXXX XXXX XXXX XXXX XXXX ) as an entity entitled to enforce a commercial claim against me, and verification of all data for this account, every notation, dates, and balances. This company has yet to respond to my VALIDATION REQUEST AND IT'S CONDITIONS.
11/07/2017 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 757XX
Web
XX/XX/XXXX item was placed on my credit files by Caine & Weiner - XXXX XXXX XXXX, XXXX Texas XXXX. Was noted as collections for XXXX XXXX Showed a collection amount for {$570.00} Disputed info with both XXXX and XXXX credit companies, still not removed from my credit file, only noted on credit report as of this date. I was unaware of this on credit file until XX/XX/XXXX. I contacted Cain & Weiner reference information being a false entry and account did not belong to me. It was found account belongs to my XXXX year old son who did business with XXXX XXXX in 2016 reference DBA documents and at the time used same address as me. He has same first and last name, different middle name. I spoke with Manager XXXX XXXX ( XXXX ) XXXX Ext XXXX. Again I explained entry on my credit was incorrect / false and I was not the account holder. XXXX XXXX advised he would note account. Date of birth or last 4 of social on account holder, info could not be located when requested. Information still remains on account. This is lowering my credit score and needs to be removed as requested.
06/18/2023 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • OH
  • 45013
Web
Caine and Weiner failed to originally notify me of this debt, despite their claims that they mailed notification to my address. After requesting validation the company failed to provide proper validation of the debt. Per my original request, please supply the following information : Provide verification and documentation that there is a valid basis for claiming that I must pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay, including my original wet signature? This was never supplied. In my original CFPB complaint, Caine and Weiner responded on XX/XX/23 that The account has been closed as 'Disputed ' in our office. We will send a request to the credit reporting agencies to have this account removed from the consumer 's credit report. However, on on XX/XX/23 my credit report was updated by Caine and Weiner to show a balance and the account does not show closed. This has caused seriously harm to my credit and my financial goals. This is unacceptable, fraudulent activity.
07/30/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Right to dispute notice not received
  • OH
  • 44857
Web
I was contacted several times by Caine & Weiner attempting to collect {$210.00} payment for the XXXX 2016 XXXX XXXX XXXX. I was told by the people calling from that office that the payment was to be paid in full and that was all that was said to me. I have explained to them during every call about the situation and that e that I had made several attempts requesting the last month to be cancelled of my auto insurance through them and had went to a different insurance company due to XXXX Agents failing to return my phone calls to them several times inquiring about my policy and ignoring then my cancellation requests. That 's very poor customer service and job performance. I still have yet to receive any information from Caine & Weiner about who they are, where they 're located, any information on how to dispute this claim. Also I have not received anything from XXXX XXXX XXXX, not a bill, not a phone call. The only reason I found out I was put in collections was from a notification from XXXX XXXX. I would like help on this matter if possible. Thank you for you time.
10/14/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • IL
  • 60640
Web
XXXX XXXX XXXX XXXX is trying to collect money we don not owe them We were insured by XXXX until XX/XX/XXXX and did not renew. Mean while when we relocated temporary we signed insurance coverage with a different vendor that started in XX/XX/XXXX XXXX claims we owe them money after their policy expired but we did not renew with XXXX In XX/XX/XXXX We received collection letter from Waine & Cainer that we owe {$820.00} We contacted Waine & Cainer and sent them copy of Proof of insurance that we were covered by other carrier at the time XXXX Claims they insured us. Several times they refused to except this and kept harassing us. Last month they finally excepted that we do not owe this money and said that we are all good. Until yesterday, when I received another letter of collection from Pucin & Friedland for the same issue that I thought we just resolved. Looks like Waine & Cainer and Pucin & friedland is a related company and just refuses to except that we do not owe any money I just want them to stop this and remove and negative impact on our credit Thank you
01/09/2022 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • TX
  • 754XX
Web
Caine and Weiner came in to the picture after providing them proof we ( a texas business ) did not owe the debt. We have proof and provided them with the signed contract of a past customer. This ex-customer signed the " no refund '' policy came on to our property damaged it. Ruined a prime weekend rental then contacted their XXXX XXXX Our XXXX XXXX refused the charge back ( rightfully so ). Then came the scammers and XXXX They attempted to collect a fraudulent debt. Then they harrassed us daily with calls, letter threating to ruin our credit. This is a federal violation of law. We submitted a certified letter warning them against this. They continue to this date with their XXXX inspired XXXX, collection attempts. XXXX then placed a collection account AFTER our letters and proof were provided. This is FEDERAL harasement and they continue to do this to others. Check with the XXXX and XXXX office in TX and FL. They are investigating these scammers. Please review the attached docs. We need criminal prosecution. This company is operating as a criminal enterprise.
01/20/2021 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • Used obscene, profane, or other abusive language
  • GA
  • 304XX
Web
Around the date of XX/XX/2020, I submitted a FTC identity theft report to remove fraudulent items off of my consumer report. When the credit bureaus corrected the necessary information, in XX/XX/2020, a company named Caine and Weiner somehow found my location information and communicated by post card to address me of an alleged debt. Caine & Weiner committed identity theft by obtaining my personal information that I did not directly provide to them or give them any consent to contact me. In the letter, they violated the The Fair Debt Collection Practices Act by using false, deceptive, or misleading representation or means in connection with the collection of any debt. They also used profane language amongst other violations that are listed below. Actions that were taken by me to the company was that I sent certified mail in the form of an affidavit of me notifying them that they are a debt collector according to the FDCPA ; that I'm a consumer and that they violated my privacy as well as communicated that they have violated multiple federal law codes.
11/20/2019 Yes
  • Debt collection
  • Auto debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • NY
  • 13208
Web
I have been working with a fiancial advisor to clean my credit I sent out a letter to receive validation of a debt on XX/XX/19 to Caine Weiner XXXX XXXX XXXX XXXX XXXX CA XXXX via certified mail. i know that they received it. Over 30 days passed by and I never heard backf rom them at that point i sent letters to all 3 bureaus to notify that by law they never validated this credit that I owed. And I needed this removed of my file. I sent those letters out XX/XX/19 and have only received a response back from transunion to which I was told they will not remove the debt, I still have yet to hear back from the other two. By law a creditor MUST validate my debt if i ask, they have 30 days to do this, they never did. And BY LAW the agencies should remove this debt. I contacted them after on XX/XX/19 to then see if i atleast can make a deal to pay it off at a lower cost even though i feel I should not owe this, They denied me of that and told me no the amount of the debt was to small to do a payoff. I tried all avenues to recitfy this and I would like it removed.
06/05/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • OH
  • 45011
Web
I noticed a charge for Caine and Weiner on my credit reports. Its for XXXX XXXX. I called XXXX XXXX last week and found out the charges are from XXXX when my ex husband added his car to my insurance. I since learned he called and acted as if he were I. This is identity theft. I filed the identity theft affadavit with FTC and sent it to XXXX XXXX and called to follow up. They told me pretty much its not fraud and to send a divorce decree and that its been so long they probably couldn't fix the issue. IT WAS DONE WITHOUT MY AUTHORIZATION. THE CAR WAS NOT MINE NEITHER ARE THE THE CHARGES. I PAID {$250.00} to start the policy and cancelled as soon as I realized the car was added. I had insurance for 1 month and was billed over {$600.00}. I also opened a new policy with the same company when I cancelled this policy. I currently have XXXX and have for the past 5 years. I pay my bills. This bill I am not responsible for as I did not add the car to my policy. Caine and Weiner was also made aware of the situation last week and advised I call XXXX to solve the issue.
05/06/2023 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • PA
  • 19145
Web
I reached out to the company requesting validation of debt being owed to them. I never received any mailings, which I shouldn't have because they were never authorized to obtain my personal nonpublic information. I asked for all accounting history related to this alleged debt, as it relates to IRS publication 508, to include any signed contract with this company. I was never given this information, failing multiple requirements of the FCRA. Furthermore, I never authorized XXXX XXXX, whom they claim they are collecting for, to furnish my information. In the company 's terms and conditions, it strictly states that they will not sell any of my information, which they did when they sold Caine and Weiner my information. Since Caine and Weiner has decided to include themselves in this matter, they are just as much bound by XXXX 's XXXX clause, as the XXXX. Caine and Weiner along with XXXX XXXX has violated my federally protected consumer rights and will be dealt with accordingly, if they do not remove this information from my consumer credit file within 7 days.
01/25/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • MO
  • 641XX
Web
Caine & Weiner Debt Collector as of XX/XX/XXXX has placed collections XXXX XXXX # XXXX to my XXXX, XXXX, and XXXX credit report. XXXX has removed this collection as of XX/XX/XXXX. This company has not reached out or communicated this, but instead placed it on my report. I have spoke with manager XXXX XXXX and XXXX XXXX XXXX at XXXX. Requesting answers to why would they place this on my report without no prior communications, only to find out that this is a account since XX/XX/XXXX which I stated makes this a 3 year old case as well as it not belonging to me by fraud or identity theft. XXXX XXXX definitely had a attitude due to me asking how would I be compensated for my time waisted and my scores dropping over XXXX due to their error. I request that this infraction be deleted from both of the listed above accounts and that Caine & Weiner compensate me for their mistakes and my inconvenience of {$50000.00} per the individual ( s ), company, insurance ( s ) and bond ( s ). Thankyou for your time you may contact me for banking and routing number. XXXX XXXX
05/07/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • 300XX
Web Servicemember
I am a victim of the XXXX data breach. Caine & Weiner contacted me via a letter XX/XX/, about an alleged debt I have no knowledge of. I disputed the entire debt amount of {$510.00}. Not only did I dispute the alleged debt and notify Caine & Weiner that the debt did not belong to me, I also asked Caine & Weiner to provide me with specific information pertaining to the alleged debt as required per the FCRA. Caine & Weiner did not provide me with the pertinent information and is continuing to attempt to collect on a fraudulent debt and is negatively reporting this fraudulent debt to all three Consumer Reporting Agencies, resulting in my credit score decreasing almost 30 points. Please have Caine & Weiner remove this fraudulent alleged debt immediately and pay remedies to me for violation of the FCRA laws listed in supporting documents. I have filed an identity theft report with the FTC. I will also file a police report with law enforcement, a complaint with the XXXX and State of Attorney General then file suit. Please see all supporting documents attached.
05/01/2023 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 77573
Web
On XX/XX/XXXX I sent a Certified Letter with Tracking and a Return Receipt Tracking to Caine & Weiner asking their office for Validation, Not Verification on the Creditor : XXXX in the amount of {$120.00}. On XX/XX/XXXX I received a Verification letter back from XXXX XXXX from the office of Caine & Weiner. The office of Caine & Weiner Did Not provide what I requested from their office. On XX/XX/XXXX I then sent another Certified Letter with Tracking and a Return Receipt Tracking to the attention of XXXX XXXX who sent the letter from the office of Caine and Weiner and have not received a response back from their office. They have Violated my right to Opt Out under 15 U.S. Code 6802 ( b ). All three bureaus are also in Violation. I never received a letter giving me the option to consent the furnishing of any credit reporting to the bureaus, nor giving them permissible purpose to furnish private information. This is damaging and hurting my reputation in my everyday life due to not being able to receive credit, funding or approval, even for rentals.
04/03/2018 Yes
  • Debt collection
  • Other debt
  • Threatened to contact someone or share information improperly
  • Talked to a third-party about your debt
  • TX
  • 75092
Web
I have a recorded phone call, XXXX XXXX XXXX XXXX contacted me on Monday, XXXX XXXX, 2018 at XXXX on a cell phone XXXX. When I asked the representative to identify the company she refused. I never verified my identity. She stated she could not release the name of the company. I asked her not to call me, i told her this is a cell phone and she does not have the consent to call me, and she responded that she will not remove my number and they will be calling me again. I asked for a supervisor, the supervisor came on the line and released his name and the mini XXXX without me verifying any information. I told him to remove me from the list and that I will be sueing the company if they did not remove my number because it is illegal for them to call my cell phone without consent. He said he will not remove my number and argued with me about removing the number. When I said I would sue the company he responded " You have enough money for an attorney but you can't pay this little XXXX XXXX? '' Again releasing personal information to an unverified party.
03/21/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 77489
Web
In review of my XXXX credit report I noticed that a collection has been reported without any notification for Caine Weiner. I do not know who this company is and why they are violating my consumer rights. They show as opening this collection on XX/XX/XXXX which is in direct violation of the FDCPA Regulation F. This rule was passed in XX/XX/XXXX which clearly states : Actions Which Must be taken Prior to Credit Reporting : Prior to reporting a consumer debt to a credit reporting agency, the debt collector must now actually speak with the consumer about the debt, either on phone or in person, mail the consumer a letter about the debt and wait a reasonable period of time to receive a notice of undeliverability, or send the consumer a message by electronic communication and wait a reasonable period of time to receive a notice of undeliverability. This company has not abided by the law! They have just knowingly and willingly placed a debt that I do not identify on my credit file and has hindered my ability to get approval from other lines of credit.
04/08/2019 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • GA
  • 304XX
Web
Caine & Weiner sent me letters about an alleged debt asking me to pay them. They are reporting to the major credit bureaus although they have not sent me any document to prove this debt is mine. I have requested twice by certified letter and these letters are attached with this complaint. I have asked Caine & Weiner to verify the validity and accuracy of this alleged account and they have not sent me any proof of a contract or anything with my signature taking claim of this debt that amounts to { {$300.00} }. I have never had an account with XXXX. I have sent them two Certified dispute letters stating that if they can not verify this account, they should not report or need to remove the account from my credit reports. They have responded once with a letter asking me to pay for this alleged account and have not provided any verification of this debt. They still have nothing binding me to a contract. No proof has been made available to me. So therefore the debt needs to be removed from my credit report ASAP and collection efforts need to stop.
12/31/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 91326
Web
I previously notified your company that I am a victim of identity theft, and requested that you do the following : Close the unauthorized account Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files. I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I filed my original Identity Theft Report with the Federal Trade Commission on XX/XX/2021, report # XXXX. As well, I filed a complaint with the Consumer Finance Protection Bureau on XX/XX/2021, and sent the same information to XXXX, XXXX and XXXX. I recently pulled a copy of my credit report on XX/XX/2021, and found that CAINE & WEINER is still reporting this fraudulent information to my XXXX and XXXX Credit Report. I have enclosed a copy of the new FTC Identity Theft Report, Report # XXXX, filed on XX/XX/2021. I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information to the CRAs.
11/11/2022 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • FL
  • 33134
Web
After reviewing my credit profile on XX/XX/22 I identified a discrepancy with account listed under XXXX XXXX and validation was requested as this was an account I did not recognize. I review my credit report again XX/XX/22 and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as a correctly belonging to me. Has my credit report been updated to reflect that the account is disputed and therefore XXXX Validation letter sent out this day. After reviewing credit report again in XX/XX/22 there have been no updates and account is still reflecting on my report. I dont believe this account belongs to me nor do I believe that the creator has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all XXXX credit bureaus until adequate validation has been received providing that the account belongs to me and all information is correct.
01/06/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • OH
  • 44121
Web
I rented a car with XXXX from XXXX for XXXX. There were no issues with returning the vehicle. On XX/XX/XXXX XXXX charged my card XXXX. I called to see what the issue was and spoke with XXXX XXXX. She couldn't find the reason for the charge and she stated she would investigate it. I never heard anything back from XXXX until XX/XX/XXXX. I explained my grievance as to why my card was charged for almost double the rental and again, I did not hear back from her. By that time, it was too late to dispute with my credit card company and I just paid my credit card bill. On XX/XX/XXXX, XXXX placed a collection on my credit report. I never received any documentation from the debt collector, no email or mail. I tried reaching out to them and I was told that I just had to pay. I explained I overpaid without explanation. The location where the car was rented has been closed so I could not go inside to get any documentation or speak with a representative. I overpay for the rental and returned it on time without any damage and on a full tank of gas.
03/29/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • GA
  • 30134
Web
This complaint is against Caine and Weiner who states they are a law firm approximately one week ago I sent correspondence to this company about accessing my credit file without my permission and requested that it be removed. I received an email from XXXX XXXX attorney at law who stated that even though this debt was discharged in bankruptcy and the inquiries were performed after the discharge they had every right to access my credit report because the debt was ongoing which it was not XXXX XXXX were aware that the account was included in bankruptcy and there had been no premiums paid on this policy since XX/XX/2017. I also sent him a copy of the creditors included including XXXX i paid no premiums nor did I use the car or insurance at any time during my bankruptcy I used my fiancs truck because I was under the impression the lien holder would get the vehicle st any time I did not give this agency permission to access my credit file and all of their inquiries were AFTER the discharge of the debt numerous times the accessed my file.
04/11/2017 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • FL
  • 33611
Web
Caine & Weiner, a collections law firm, has reported and opened a collections account on my personal credit report. I disputed with them many times but they reject to delete it from my account. What they 're doing is illegal. I have never asked or received a personal loan from their client, XXXX. That loan was received by a small business that is an LLC company where I have 5 % shares and it was a small business loan without collateral or personal guarantee. The company that got the loan shut down their operations and now, this company is coming after me as I 'm the only person in the US. I 've never signed a contract for any loan. This company ca n't post this under my personal account as there is no proof that I signed for that small business loan and it was a small business loan, not personal. I never received any kind of personal loan from their client. This company is using my social security number for wrong purposes and they have to delete this record from my file immediately. It is against the law and they ruined my credit.
02/21/2022 Yes
  • Debt collection
  • Auto debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NV
  • 89119
Web
An account appeared on my consumer report without any notice and knowledge to me. I was sent a letter dated XX/XX/XXXX from Caine & Weiner ( deceptively hidden ) in attempt to collect a debt of {$230.00}. This account is listed as being opened XX/XX/XXXX on my credit, but I am getting first correspondence of this debt in XXXX, a clear FDCPA violation. had never heard of this company and I did not know the account they're referencing so I reached out to request further information and deletion of this inaccurate account from all national credit bureaus. I sent my letter requesting validation of this debt dated XX/XX/XXXX. My letter detailed the timeline of this debt and it's illegal reporting, it also requested further information into this debt and a full investigation of the origins with written findings produced. I have been met with no follow up response, a letter to confirm receipt of my dispute and this investigation being open and this account is still reporting to my credit illegally without sufficient proof of valid debt.
01/08/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • OH
  • 43224
Web
This is my SECOND DISPUTE LETTER and the accounts listed below are still reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. I have also submitted an FTC and CFPB You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : CAINE & WEINER # XXXX
09/05/2018 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • PA
  • 160XX
Web
I had a 6 month advertising agreement with XXXX for my XXXX XXXX XXXX. Communication with them was always by email. I told them to cancel my account and for 2 months they repeatedly sent me notices about my payment not processing. They actually billed me for 7 months and said it auto-renewed. They also changed the layout of the website and it longer featured my ads across the top. So they were not even providing what I had contracted for. I am now getting harassing calls from a girl named XXXX at a collection company called XXXX XXXX XXXX XXXX - XXXX XXXX XXXX. XXXX XXXX, CA XXXX. I Have told her she can't just call me on the phone and I need something in writing and I thought it had to be certified mail or return receipt. She stated she sent a letter, but I never received it. I have since researched the payment history ( attached ). She is threatening to turn me into the credit bureau 's. I do not owe Homes.com anything in fact I should be entitled to a refund of the 7 month 's extra billing. Payment History attached.
07/09/2021 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Indicated you were committing crime by not paying debt
  • SC
  • 29223
Web Servicemember
I contacted Caine and Weiner to settled on a debt. In that recorded call I stated I was calling to settle and close on a debt. The representative pulled my information and told me the settlement amount and reiterated this would in fact close the debt and account out and a letter would be mailed to me. Upon making the payment the company reported I didnt not close the account I made a payment and this made my credit score drop 45 pts! I contacted the company back stating their wrong report and they tried to say I didnt say I was closing the account but I provided proof and I wasnt taken serious until I told them anytime you call a debt collector stating you want to settle and close a account that means the account is closed! It wasnt until I threatened to contact a lawyer that the company corrected that I in fact settled and closed the account. However the 45 pts dropped from my credit score I need back! This company purposely reported that incorrect information which effected my credit score! And they need to fix there mistake!
04/24/2019 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • PA
  • 19007
Web
Back in XX/XX/2017 I financed a car at XXXX toll. I didnt have to put any money down except to pay to start full coverage insurance with XXXX. I believe I paid {$270.00} something dollars to put down to start the insurance. I was ok with that. We discussed my monthly payments and I was signed up and finished. I left with my new car. Not even a week later I wanted to go online to see about adding renters insurance because I had just got an apartment. The login information was incorrect for some reason so I called customer service. THEY HAD THE WRONG DATE OF BIRTH on the account. She changed it and updated it then said it would change my rate. It changed my rate up to {$80.00} more a month. Something I could not afford so I told them that I didnt want to use them as my insurance anymore so I went somewhere else. Now I see I am being billed for {$500.00} dollars for insurance I didnt have for not even a month. Because they made a mistake and messed up my rate. Had that allowed me to keep the rate, things might have been different.
01/23/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 94539
Web
Recently I received a debt collection letter from a company called Caine & Weiner with amount of {$190.00}. The letter states the creditor is XXXX XXXX XXXX XXXX. I have never done any business with XXXX XXXX in many years so the creditor is completely bogus. The amount, of course, is also bogus. I called the collector and asked them what is involved, and eventually they mentioned it is related to an XXXX XXXX XXXX bought a few months back from an Internet seller named " XXXX Online shopping '' ( XXXX ). The XXXX XXXX is dead on arrival ( completely unusable ). However I could not contact the seller at all. The email address it provided is bogus ( email to it gets bounced back ). So eventually I contacted my credit card company to dispute the charge. The charge was eventually dropped since the product never worked. And I believe that the original seller is operating a scam business to sell non-working product and then tries to collect money from buyer via debt collection. Please investigate such fraud business. Thanks.
01/24/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NY
  • 11209
Web
In XXXX, I reached out to XXXX cruise lines about a disputed debt where products were returned but the amount was not refunded to my credit card. I put the amount in dispute with my credit card company, who found in favor of me when the cruise line did not respond during the investigation period. Subsequently, in XXXX, a debt collection agency attempted to collect on the debt. I reached out to them multiple times with no resolution. At the time, I then filed a complaint with the CFPB. The entire situation went radio silent. Now, in XXXX, a debt collector by the name of CAINE & WEINER COMPANY has posted a derogatory comment to my credit report for the amount of {$1200.00}. I have never been contacted by them nor the debt been validated. I reside within the state of NY, where the statute of limitations is 7 years and this so-called debt would no longer be in statute for collections. By posting to my credit report, they have violated the FCRA and their tactics over the years have violated FDCPA and UDAAP requirements.
11/04/2021 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 755XX
Web
Hello : I have not received requested information for validating this debt. I have made multiple attempts to fix problem with company. XXXX XXXX XXXX XXXX XXXX stated We do not show receiving any documentation directly from the consumer. I mailed certified letters requesting verification. ( See Exhibit XXXX ) ( See Exhibit XXXX United States Postal Service XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX In XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and again in XX/XX/XXXX in response to a credit dispute our office mailed the consumer correspondence. The reason for complaint is discrepancies and inaccuracies. According to creditor they stated, The credit reporting appears accurate for this file as per creditor records. Please provide a copy of the written agreement that created my original requirement to pay? According to my rights as a consumer, the commission of XXXX XXXX a printout of bill or itemized document does not qualify as verification. Also, stating appears accurate is in violation of my rights as a consumer.
03/03/2023 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Used obscene, profane, or other abusive language
  • FL
  • 33068
Web
ON XXXX I saw a charge off on my credit report from company Caine & Weiner i called spoke with a collector who I explained i never received any notices validation letters anything that was sent out prior to just putting a charge off on my credit she said they emailed me a settlement letter for XXXX something trying to get me to settle told her i never received that and told her I am willing to settle at {$1200.00} she said she cant do it ask for her supervisor which was the worst person I ever spoke with she was rude a bully very defensive she scream yelled at me refuse to let me talk she told me her company does not offer settlements told her that info is false her collector just told me a settlement was offered and emailed to me she became extremely upset scream called me unkindly things and refuse to talk and she hung up on me this is how progressive allow their customers to be treated being abused by a collections agency this is not right and consumers like me we need protection UPDATED NEW NUMBER XXXX XXXX XXXX
07/07/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • PA
  • 19115
Web
My name is XXXX XXXX XXXX. I had a XXXX container delivered to my home at XXXX XXXX XXXX, XXXX Pa XXXX. I lost my job and could not pay. The container was confiscated and a {$1000.00} charge was put on my account. I am not disputing that it is owed by me. The problem is that my son XXXX XXXX XXXX is attempting to buy a house and found out via a lender that the charge is on his credit. Naturally we have XXXX different social security numbers and should not be an issue to change. The account was sent to a collection firm by the name Caine and Weiner at XXXX. I contacted them several time starting a XX/XX/XXXX and asked them to send me a invoice or document that defines the person responsible for paying the debt is XXXX XXXX XXXX not XXXX XXXX XXXX. It has been almost a month. I was told told several different things that I would get something within a week. I have nothing so far and my son is losing valuable time in getting a lender that is aligned with his perfect credit. Please help us. Thank you, XXXX XXXX XXXX
12/01/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • FL
  • 33311
Web
So I have a debt that was taken over by this company Caine and Weiner. I initially received a letter from them stating that I had the debt and I had 30 days with which from the date of the letter to reach out to them to accept the debt, and either pay it in full or negotiate a payment arrangement with them to settle the debt. I literally called this company maybe a week after I received the letter, within that 30 day timeframe and negotiated a payment arrangement with them to clear my debt. The total amount of my debt is {$490.00}, and the agreed upon payment arrangement states that I authorize them to take XXXX payments of {$80.00} from my account every XXXX weeks to clear the debt completely. The XXXX payment started and was taken from my account successfully on XX/XX/22. As of today I have successfully paid XXXX of the XXXX payments stipulated in the payment arrangement ( the XXXX was taken from my account on XX/XX/22 ) and even with this, the company still went ahead and reported my debt to the credit bureaus.
08/13/2021 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • CA
  • 95670
Web
On XXXX XXXX XXXX XXXX I called Caine & Wiener To talk about it that they had previously had XXXX that they bought out. I spoke with a lady about doing a payment to delete in a settlement that we both agreed at {$40.00} to process a pay to delete. I was very clear about me paying this debt off as assignment as well as a payment to delete and the representative told me yes this would delete the dead and Im a get a letter in the mail in 30 days after completing this. The representative took my information and card number and processed a payment and told me I would get a letter in the mail in 30 days. After looking at my credit Ive seen that this account has been closed but not deleted off my credit score which was what we did not agree upon. I called her I presented today and was informed that since I made a settlement that it would not be a deletion but a closed account which was not what I was informed last time when I called the company. The company lied about what they would promise me in order to see a payment.
05/30/2018 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • CA
  • XXXXX
Web
CAINE & WEINER XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX The company is trying to collect XXXX in behalf of XXXX. They have reported to the credit agencies this information incorrectly and now are involving XXXX to report the information incorrectly to replace their name as the collector of the debt. I have been advised that this debt was going to be corrected but it now is being used to hurt my credit by XXXX and Caine Weiner initiated it and replaced their name with XXXX 's name. There is no proof that this debt is mine and I have made the request to provide this information and it is up to 4 years old. This information has been reported to 4 credit bureaus. This is purely a tactic to harm me as they have stated that they would do by moving the debt from them to XXXX and back and forth to keep reporting it badly on my credit report. I am now being reported badly with no proof. This has been ongoing for over 6 months and continues with misrepresentations and new bad information showing up on credit reports.
05/18/2018 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Used obscene, profane, or other abusive language
  • TX
  • 79703
Web
I received a phone call from a lady stating she was from Caine & Weiner and demanded payment. I asked her nicely to send me a verification letter on company letter head to verify the debt. She said they sent letters in the past and she will not put in a request to send another. Things got heated over the phone when she continued to demand payment without verification. I ended up telling her I will not pay until I get a confirmation of the debt in the mail and she threatened to pursue the debt " legally ''. I told her I know my rights and hung up. After cooling off I called the same number and to my surprised received the same lady who apparently had caller ID because she said my name and asked what I wanted. Once again I asked her to verify my debt by sending me a letter and she asked why a phone call wasn't good enough to be verified. I told her I'm not going to pay without the verification letter and hung up again. I had already sent the debt company a certified letter to verify the information in writing.
12/03/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • GA
  • 30253
Web
I wrote Caine & Weiner on XX/XX/2021 asking for validation of an alleged debt that they claim I owe their company, in this letter I also declined their invitation to do business. I told them to produce the validation of the alleged debt, if they could not produce that information they needed to cease collection activity and close the account. They did neither of them, what they did was insert it onto my credit report, which is a violation of the FCRA. If an account have not been validated it could not be on my credit report. They responded on XX/XX/2021 with a printout from their database that does not constitute validation. Anyone could make up a database with other people personal information that doesn't mean it's valid. I then responded on XX/XX/2021 letting them know that and informing them of their of the federal and state laws they have violated and demanded for the item to be deleted in 10 days. They did not respond to my letter and still have not deleted the unvalidated account from my credit report.
12/19/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 91360
Web
Three issues exist against Caine & Weiner : 1. They recorded my telephone call on XX/XX/2020 and didn't give me any notice of any kind until I asked if the call was being recorded. This is a violation of Cal Penal Code 632. " CIPA. '' 2. I asked them to provide me with documentation between he original creditor and I and they failed to produce. They are attempting to collect on a debt not authorized by an original contract or permitted by law and in doing so are in violation of the FDCPA. 3. There wasn't a mini-miranda given on the XX/XX/2020 telephone call stating " This is an attempt to collect on a debt and any information obtained will be used for that purpose. '' I am now represented by an attorney, but not lawsuits have been filed. Caine and Weiner need to contact my representative to discuss resolution to the violations. Please contact XXXX XXXX XXXX XXXX. XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX T : ( XXXX ) XXXX - XXXX F : ( XXXX ) XXXX - XXXX XXXX XXXX
07/19/2020 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Used obscene, profane, or other abusive language
  • CT
  • 065XX
Web
I've contacted the collection agency called Caine & Weiner, after I viewed my credit report and saw an account in collections reporting which I'm not aware of this debt at all. I called the at number ( XXXX ) XXXX Asked for more information on this matter. In the phone call, I try to reach a settlement if by any chance the debt can be verified that it is mine, I explain because of Covid can't make a payment in Full of {$250.00} which is reported as owed. I request for a smaller amount to be paid in order to settle this account, they start to get very disrespectful, with attitudes and why am I not being responsible for this debt, I repeatedly mention Covid affected my job, and the guy continuously said that wasn't a good enough answer, a lot of people call and pay their owed accounts in Full why can't I be responsible. ( in a very mean inconsiderate way I was being treated all through this phone call ) I feel offended. How can you treat someone like this in these unprecedented times. I felt humiliated.
01/14/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • KS
  • 66062
Web
In XX/XX/2018 I filed a complaint with the department of Insurance of the State of Kansas against XXXX XXXX for not resolving a claim. Shortly after filing a claim with the DOI of Kansas we were hit with a phantom bill for {$6300.00}. We were never given notification for what the bill was and the amount was taken from our checking account. I forced XXXX XXXX to return the money and disputed that we owed them anything. I believe this was a tactic to get us to stop being a customer of XXXX XXXX by creating phantom charges because of the claim that was filed against them. When talking to a XXXX XXXX rep about these charges we were told they were due to an agent under reporting our employees payroll. When we looked at what our estimate was versus our actual amount paid was they were almost identical. We believe this was due to an error from the Insurance broker. This phantom debt was now passed on to Caine and Weiner a law firm that is trying to collect on this debt listed under the account number XXXX
01/24/2022 Yes
  • Debt collection
  • Medical debt
  • False statements or representation
  • Attempted to collect wrong amount
  • NJ
  • 070XX
Web Older American
Dear Sir or Madam, I uploaded a letter for your review. Please take a look at the letter. Before we went to vacation, me and my wife went into this place to get our covid tests done. When we were there, they asked us to see our Medicare cards and told us that we won't pay for anything. They added services to our visit and send us a bill to pay in the amount close to {$400.00}. I called them many times and instead of responding they gave us to collection. I called the collection company and filled out the form online as they told me to, I send the attached letter to the collection company and till today no one called me or responded to my letters or phone calls, they are saying that if I don't settle this by XX/XX/XXXX this will affect my credit report. I can afford to pay this amount not to ruin my credit but what would happen to someone who needs the money and can not afford to ruin their credit. Please look into this and try to stop these people from doing dishonest things like this. Regards,
12/21/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • OH
  • 43219
Web
I have an unverified account from CAINE & WEBER COMPANY, INC. I had previously disputed this account. I have never done business with CAINE & WEBER COMPANY, INC. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that CAINE & WEBER COMPANY, INC Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CAINE & WEBER COMPANY, INC Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
12/24/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • WI
  • 53212
Web
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. Convergent Accounts # 1 CAINE & WEINER COMPANY ( {$660.00} ) and Account # 2 XXXX XXXX XXXX XXXX ( XXXX ) has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following Items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.
01/30/2022 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CT
  • 06513
Web
, On or about XXXX XXXX. I reached out to Caine & Weiner by telephone at XXXX. I was informed to request to speak to XXXX XXXX. I had already sent in prior letters requesting this company to verify this alleged debt. On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. When calling the number I was hung up on after I requested XXXX XXXX XXXX to verify the validity of this alleged debt, after calling back and explaining that I do have a right to this dispute. I was informed by XXXX XXXX that she would not speak to me and denying me my rights to any and all access to any information in my file because she thinks I should get a lawyer. If I would like to speak to them go online to company webite and submit a from stating that " I DO NOT HAVE A LAWYER, I WILL NOT SUE AND PAY THEM ''. I did not understand why I would have to do this went I sent in numerous letters requesting to verify this alleged debt and how am I obligated to pay it. However, XXXX and other customer service reps also gave me a hard time.
04/27/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NJ
  • 075XX
Web
On XX/XX/2021 I contacted the company Caine and Weiner via a letter sent through the United States Post Office, regarding a collection I noticed on my credit report. The letter requested verification of the debt, along with proof that Caine and Weiner is licensed to collect debt in the State of New Jersey. At that time Caine and Weiner was not licensed with the Attorney General to collect debt in New Jersey. The collection agency did not verify the debt, but responded to my letter with a copy of a bill I did not recognize. On XX/XX/2021 I responded with a second letter that asked for a verification of the debt, there was no response from Caine & Weiner. On XX/XX/2021 I sent a third letter which was a non response letter. In return the collection agency did respond with another copy of the bill, and no proof that are registered to collect debt in New Jersey. I have attached a signed return receipt from the post office, as well a stamped receipt with the company 's name and address from the post office.
02/23/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Difficulty submitting a dispute or getting information about a dispute over the phone
  • AZ
  • 85040
Web Servicemember
I am writing this letter in regards to several negative accounts on my credit report. I have made numerous attempts to have these accounts removed, but to no avail. I am now writing this letter to officially request the removal of these negative accounts from my credit report. It has come to my attention that the information listed on these accounts is incorrect and does not accurately reflect my credit history. I have proof that these accounts do not belong to me and I demand that they be removed immediately. If these negative accounts are not removed from my credit report, I will have no choice but to file a lawsuit for misrepresentation. This would be a long and costly process for both parties involved, and I hope that it can be avoided. I kindly request your prompt attention to this matter. Please let me know what steps I need to take in order to have these negative accounts removed from my credit report as soon as possible. I am eager to resolve this issue and restore my good credit standing.
01/29/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • MI
  • 48197
Web
On or about XX/XX/XXXX I sent a letter to XXXX XXXX and XXXX to dispute the amount reported from XXXX XXXX Card to both credit reporting bureaus. I frequently utilize XXXX XXXX to monitor my credit report, upon doing so I discovered a mistake that was made by XXXX XXXX XXXX XXXX. Issue : On the credit report XXXX clearly did not indicate the payment that was made to them on XX/XX/XXXX ( {$54.00} ) & XX/XX/XXXX ( {$64.00} ) to both credit bureaus. Please see uploaded document form my XXXX XXXX online account billing invoice highlighted for supporting documentation. 2nd Issue : I mailed a dispute letter to XXXX & XXXX XXXX to correct XXXX XXXX 's mistake. XXXX XXXX notified me by mail stating that this this information was disputed and updated. Upon receiving a new credit report from XXXX XXXX ( pg. 5 out of 12 ) still have down that I was thirty days late with payment. My XXXX XXXX card is due the XXXX of each month. XXXX XXXX failed to report this information correctly to my credit report.
02/03/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • IN
  • 46203
Web
Ive was with XXXX XXXX for a few years. My kids father was added to my policy being that he travels with our children! He got in an accident and it took my policy from {$190.00} to {$390.00}. I decided to shop around for a cheaper insurance policy and decided to pay XXXX XXXX their last payment before departure! The moment I let XXXX was contacted about a payment I supposedly never made, which was months prior to my departure. I pulled up their policy and it states that if no payment was received then per policy would be considered lapsed! I asked them to send me proof that no payment was received as well as proof that I was insured. They failed to send me anything! I looked at their policy again and it isnt showing anything about term limits or anything about send it to credit unions! I was also contacting by a third party stating that I owed them when I never have permission to be reached by any third parties! My credit has been affected by this issue and I shouldnt be victimized by this
08/31/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • TX
  • 75115
Web Servicemember
XXXX XXXX XXXX XXXX Caine and XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX Delivered Via Regular Mail and Email : XXXX Account # XXXX Caine and XXXX, Has made 2 claims for monies not owed to XXXX XXXX. In each instance my request for verification of the amounts owed and written agreement between XXXX XXXX and Caine and XXXX has gone unaddressed. These actions have had adverse impact to my credit score three times. The dispute was delivered via email and mail for communications delivered, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Enclosed are Copies of each communication ) As of XX/XX/, I have another communication from your office regarding and event and cost I am not aware of instructing XXXX XXXX to perform on my behalf. I have removed XXXX XXXX as the Agent with XXXX XXXX ( Please do the research ). The amount of XXXX with the XXXX XXXX Account Number XXXX and C & W Account Number XXXX is simply a matter of C & W being XXXX for being handled regarding the abovementioned.
07/25/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • NY
  • 11210
Web Servicemember
These companies broke the law and violated 15 USC 1681 ( a ) ( 1 ) & 15 USC 1681 ( e ) maximum accuracy compliance and procedure they hired XXXX, XXXX, and XXXX who are furnishing inaccurate and unverified information on my consumer report. Proof of inaccuracies is attached XXXX XXXX XXXX Last reported XX/XX/2023 {$320.00} Open balance XXXX XXXX Original creditor CAINE & WEINER XXXX XXXX XXXX XXXX XXXX {$250.00} Open balance XXXX XXXX Original creditor This is making me lose confidence in the banking system due to these violations. I the consumer does not grant XXXX, XXXX, or XXXX the permission to furnish these inaccurate reports I demand that they delete this account from my consumer report. in accordance with the fair credit reporting act XXXX XXXX XXXX, and XXXX has violated my rights. 15 USC 1681 section 602 A. States I have right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
06/26/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NJ
  • 080XX
Web
n accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX # XXXX {$1100.00}, Account name : XXXX XXXX # XXXX, violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
06/26/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NJ
  • 080XX
Web
n accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : CAINE & WEINER # XXXX {$1100.00}, Account name : XXXX XXXX # XXXX, violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
04/03/2023 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 33712
Web
After reviewing my credit profile on XX/XX/XXXX. I identified discrepancy with account listed under XXXX XXXX XXXX and validation was requested as this was an account that I did not recognize. I reviewed my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 2nd validation letter was sent on this day. After reviewing credit report again on XX/XX/XXXX there have been no updates and account is still reflecting on the report. I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.
07/30/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • WA
  • 98466
Web
Caine & Weiner collection agency has continued to attempt to collect a debt from me that has already been paid directly to XXXX XXXX. I have provided proof to this company that the amount of {$100.00} and {$190.00} has been paid to XXXX XXXX, however they continue to ignore my request to cease and desist. I currently have multiple policies with XXXX XXXX, but in order to obtain these policies I had to pay the past due balances of {$100.00} and {$190.00} which were paid directly to XXXX XXXX on XX/XX/23. At one point in time Caine & Weiner deleted this information from my credit reports but have resorted to placing this information back on my credit reports which is a violation. It has been established that I do not owe this money and it was removed from my credit report, so it needs to remain that way. Caine & Weiner continues to damage my credit score when the continue to attempt to collect this debt from me and place it on my credit report as debt that I owe ; that I do not.
10/07/2023 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • 30019
Web
I contacted XXXX and XXXX in regards to a debt that appears on my credit report. I was then informed that the debt originated from XXXX XXXX XXXX and it was the result of a unpaid balance of {$230.00} back in XX/XX/XXXX. I informed the representative that I never been insured with XXXX XXXX and was unaware on how a vehicle can be insured under my name with them and that I believe I am a victim of identity theft. The representative proceeded to inform me that they have several different accounts under my name registered to a XXXX XXXX XXXX and a XXXX XXXX XXXX amounting to another {$910.00}. She additionally provided me with the billing addresses on the claim. I reassured the representative that I never owned such vehicles, never lived at such addresses and the only car I've ever owned is a XXXX XXXX XXXX. I asked the agent to provide me with further information such as the VIN numbers to the vehicles in question and was told they didn't have any further information on file.
02/15/2018 No
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 91722
Web
While we were parking, we were hit by another party, and their insurance agreed to cover the damage of our vehicle. During the day of pick-up, the collision repair company asked three more days to complete the repair. This means three more days of car rental from XXXX. This was supposed to be covered by their insurance company and nor our expense. They never paid for those extra days despite several attempts. After sometime, XXXX forwarded the bill to a debt collector. We paid for this car rental just to deal with the matter. I am in the process of purchasing a home. I had my credit pulled and was surprised to see a collection from XXXX XXXX XXXX still showing which dropped my scores significantly. This collection was placed on my credit in error as I had no financial obligation to the original creditor. Since this is still reflected on my credit I feel this is predatory in practice. I would like this collection removed from my credit due to erroneous collection practices.
11/05/2017 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • OH
  • 43213
Web
I have a a unverified account from Caine & Weiner. I had previously disputed this account. I have never done business with Caine & Weiner. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that Caine & Weiner Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that Caine & Weiner Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
01/31/2018 No
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • OH
  • XXXXX
Web
I have an unverified account from Caine & Weiner. I had previously disputed this account. I have never done business with Caine & Weiner. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that Caine & Weiner Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that Caine & Weiner Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
03/23/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • OH
  • 44035
Web
I've sent the credit Bureaus letters to verify the debt on my credit report. In response the credit Bureaus have looked into the matter and sent back reports saying, they have verified all the debts correctly. However, my credit report is still showing inaccuracies. I have highlighted the inaccuracies on my credit report. You will see the dates don't match up and are inconsistent from, ** Date Opened, Last Reported, and Date Last Active. ** The inaccuracies below- * XXXX XXXX XXXX : Account Number : # XXXX For all 3 credit Bureaus * Caine & Weiner : Account Number : # XXXX On XXXX Credit Bureaus Report XXXX XXXX XXXX Account number XXXX XXXXXXXX XXXX- Account number XXXX XXXX 15 U.S. Code 1681s2 ( A ) ( 1 ) - Responsibilities of furnishers of information to consumer reporting agencies. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
06/29/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • NY
  • XXXXX
Web
CAINE & WEINER violated my right on XX/XX/2022 I recently got a message on my XXXX XXXX and XXXX credit report that I had a collection account CAINE & WEINER. I have never received notification Pryor to seeing the account pop up on my credit report. there in violation of 15 U.S. Code 1692c i have no knowledge of this debt or the original Creditor. Also the Aformentioned Company is located at XXXX XXXX XXXX XXXX XXXX, CA XXXX and is not allowed to collect Debt in New York State . CAINE & WEINER Opened XXXX XXXXXXXX XXXX Account number unknown Balance {$490.00} on XX/XX/2022 Original balance {$490.00} CAINE & WEINER Company is located at XXXX XXXX XXXX XXXX XXXX, CA XXXX and is not allowed to collect Debt in New York State they are not licensed to collect or authorized or have jurisdiction to collect debt in the State of NEW York Also I have no knowledge of the original creditor progressive and have never received correct correspondence afforded me protection under the law
02/18/2016 Yes
  • Debt collection
  • Credit card
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • NY
  • 10471
Web
Under Communication tatics you do not have faked caller ID so I also selected the second problem. The fake caller ID representation. Is most important to me I have received many calls that ended up being from a debt collector calling from the number XXXX. So I returned the call and it was not in service. SO since this debt collector is doing this, he can lie aand state I never responded back to their calls. I even have all saved voicemails and a phone call when I asked him I tried calling the number on calle Id and he said why didnt you call the number he left in the message. So i said who would. Thats the reason for caller ID I asked then why are you faking your caller ID number. On the recorxing he states it doesnt matter. He also states in his messages to look better in court that " We have been trying you for several months '' Its a scam to proceed to court quickly and its wrong to fake the caller ID of a debt collector because its considered falsifying who you are
03/07/2021 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Impersonated attorney, law enforcement, or government official
  • AL
  • 35235
Web
XXXX XXXX gave XXXX XXXX XXXX a Merchant Advance in XX/XX/XXXX for XXXX 'XXXX XXXX XXXX XXXX XXXX XXXX. The Broker who set the Advance up was fraudulent and he took money from my account twice. My Bank shut the account down, my Business also went under due to Covid-19. This was not a loan and definitely not a personal loan. My Credit Report is showing on XXXX and XXXX this account was opened XX/XX/XXXX and that it is a personal loan. This is a lie and inaccurate, both parties are in Violation of The Fair Credit Reporting Act and are liable for damages up to {$1000.00} each in State and Federal Court. Caine & Weiner is pretending to be a Law Firm when they are just a Collection Agency. The amount is a lie also, I received a notice from another company last year that the amount was {$6800.00} but on my Credit Report is {$7900.00}. I am in the process of contacting The Attorney General Office and The Federal Trade Commission to file complaints against both companies.
08/02/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MD
  • 20746
Web Servicemember
i am in need of help because debt collector is not able to provide me with original contract showing that i owe them money. i looked up this law 15 us.code 1681i which is the FDCPA and in section 1681i a Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. which mean if i request for my original contract and they can't proof it then they need to remove it off of my credit report. they violated my right under the FDCPA
06/23/2017 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • PA
  • 19143
Web
I have an item appearing from Caine & Weiner, account # XXXX from XXXX XXXX XXXX for {$550.00} date opened XXXX/XXXX/XXXX reported XXXX/XXXX/XXXX placed for collection. I do not now, nor have I ever owed XXXX {$550.00}. I cancelled my service with them last year and they continued to bill me. Despite my not owing any money, this company continued to charge my main business checking account for hundreds of dollars. I eventually had to pay some amount to get them to stop. They agreed to stop and then without my knowledge or agreement they charged my account again and I had to file some paper work to stop them from charging my account. They have now falsely claimed that I owe them money and are damaging my credit. I want all my money returned plus interest and a letter of apology and every claim that I owe anything to them ever to permanently removed from all my credit and a guarantee that no creditor will ever approach me again for anything regarding XXXX ever.
08/26/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33619
Web Servicemember
CAINE & WEINER has flagged your account as Collections on XX/XX/2020. Source : Not known XXXX Company : CAINE & WEINER Address : XXXX XXXX XXXX, XXXX XXXX, CA XXXX Activity : Grid Code G ( Collections ) Balance Date : XX/XX/2020 Balance : {$250.00} I have contacted this collection company and disputed on my credit file. The original creditor was XXXX XXXX. I have spoken to XXXX told nothing was owed when my policy ended. But continue calls from the collection company stating it doesnt matter if XXXX stated debt was paid collection agency can still collect. This company is causing my credit to drop for XXXX that I do not owe. Please help me. How do people get help if collection companies can put anything on their credit and harassing you over and over. They call telling you how they can mess up your credit if you try dispute something on your credit report. I have 2 credit collection agency who continue to remove the same item and reinsert it at a later time.
09/10/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NJ
  • 07748
Web
I setup an XXXX though XXXX XXXX in XX/XX/XXXX and set them up as my registered agent. I paid the due amount in full. At the point was there ever a notification that a yearly recurring charge will be posted for registered agent. At no poont did I request or authorize these charges. Receivel a collection letter this month. 1 ) no notification of yearly charge of {$170.00} for RA 2 ) price increase without notice - it has ballooned to {$390.00} 3 ) adding charges for additional services not requested or needed. as part of their fee justification- they added a " legal form '' service 4 ) XX/XX/XXXXis no longer my registered agent I CalledXX/XX/XXXX today and after nearly 1 hr run around - was transferred to a " retention specialist '' that offered to settle the manner for XXXX. They state they emailed customer price increase from XXXX to XXXX but I archive all emails and not notification was ever sent. Emailed and faxed collection agency disputing this debt.
08/08/2017 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • OH
  • 432XX
Web
I have an unverified account from CAINE & WEINER. I had previously disputed this account. I have never done business with CAINE & WEINER. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that CAINE & WEINER provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CAINE & WEINER Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
06/01/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30144
Web
I became aware of this debt with Caine and Weiner around XXXX XXXX When I noticed a collection account on my CR. At which point I disputed with XXXX. Around XX/XX/2020 I was notified by XXXX the Debt was Valid. Due to the Pandemic I put this on my get to eventually list. I recently reached out to Cain and Weiner to get this account resolved. They informed me they had no account information to give me, and directed me to XXXX. I spoke with XXXX Fraud department who informed me their system doesn't show I ever had an account listed, and directed me back to Caine and Weiner. I have provided Caine and Weiner with my full name, social and address however they are unable to tell me when and by who this account was opened. Or with any other pertinent information. Knowing this I have asked Caine and Weiner to please have this account removed. As it is Fraudulent. I was told it was nothing they could do. And that I should dispute with XXXX again. Which I have.
09/19/2023 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • NY
  • 11229
Web
company name XXXX- is trying to collect monies for service we did not sign up for- we have expressed this to XXXX as well as the multiple collection agencies they have sent towards us. we keep asking for a contract or any signed agreement from them, however - there is none since we have never signed up for one. This company XXXX is relentless in collecting for debt we do not owe, this issue is going on since 2019 and needs to stop. They have threatened us many times saying we will be reported to multiple credit agencies- ruining our credit with banks hurting our lines of credit - this needs to stop. Show us a contract or any agreement from XXXX and our company and we will be glad to pay it. i am reporting XXXX - as they are the ones sending collection agencies to call us XXXX all we have been provided with is invoices - but no contract - no agreement- we are asking for a signed agreement showing us we signed up for there service which there is none.
09/13/2019 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Impersonated attorney, law enforcement, or government official
  • GA
  • XXXXX
Web
I don't know the company, it's a fraud and they are imposing as an attorney. I wrote a letter to them saying if you think you have an allegedly debts can you please, Validate the alleged debt ( the actual accounting ), Verification of your claim against me ( either a sworn affidavit or a hand-signed invoice in accordance with The Bills of Exchange Act 1908, Section 23 ), & provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold. Please also confirm the name of the individual who is the duly authorised representative from your company, who has carried out due diligence under the Anti-Money Laundering and Countering Financing of Terrorism Act 2009 and what actions s/he has taken in relation to this account. It's unfair, deceptive, & an abusive acts or practices by them. P.S. they ruined my credit report.
02/02/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • FL
  • 336XX
Web
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX Account # 0 1 XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
08/05/2021 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • MD
  • 206XX
Web
My main complaint is I had XXXX XXXX and I was XXXX XXXX in the worst way. These finance companies get huge money from the Government and don't share the relief or pass on what they know they are supposed to do. XXXX XXXX XXXX gave me a payday loan in which their interest rate changed more than once. At the same time, they shopped my credit to other brokers which they ran up roughly over 60 inquiries, that started the XXXX of my credit. They used Caine & Weiner to place this on my credit, knowing that the government passed a mandate that All Finance Companies are supposed to abide by the law of relief. I am feeling the effect of these damages and I can't even refinance my house cause the Delta Covid 19 is here and I am trying to handle this before this gets even worst. These companies understand their wrong doing. This mandated law has a debt forgiveness. This company is not exempt from this law which needs to be applied to this debt. Thank you
07/31/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30328
Web
On XX/XX/2023, I reached out to Caine & Weiner to question the validity of their claim that I owe {$530.00}. The issue is, I have no knowledge of Caine & Weiner, nor have I ever engaged in any transactions with them. To clarify the matter, I asked them to provide me with evidence of a contract or agreement bearing my signature, but they failed to do so. To my surprise, instead of providing the requested proof, I received an itemized document from an account associated with XXXX XXXX XXXX that had already been closed for quite some time. What adds to my concern is that I haven't held an auto policy with XXXX for more than six months. Moreover, the negative listing has been twice placed on my XXXX profile, causing me significant trouble in securing student loans for the upcoming Fall semester. Despite sending three letters in an attempt to resolve the situation, I find myself at a loss as to what further steps to take to rectify the matter.
03/26/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • IL
  • 60506
Web
This is a NEW Complaint filed on XX/XX/2021. The information provided was unresponsive to my demands. The following statement was included in a previous response from Caine & Weiner the balance due is not owed to Caine & Weiner. The balance is owed to XXXX XXXX. Also quoted We have no information on file to contradict that the consumer made that payment to initiate coverage. This is not a confident response by any means, the debt collector clearly has no proof or even a general idea of the account in general. I respectfully request you Caine & Weiner return this account back to the original creditor immediately. This process has been very unprofessional & I will be looking to further escalate this process if we can not fix this problem. Furthermore, Please provide proof of this alleged item ... Specifically the Contract, note or other instrument bearing my SIGNATURE, or Copy of Florida State ID both are needed to obtain Florida car insurance.
01/18/2023 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 336XX
Web
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXXXXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
02/11/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MI
  • 48390
Web
Company has reported a debt collection to the collection agencies in the amount of {$140.00} date of deliquency of XX/XX/2019 for XXXX XXXX. I have disputed with XXXX and XXXX and they have reported that it is verified. I have reached out to the Caine and Weiner and they provided a " past due bill '' Problem is I should not have a past due bill, as I traded both cars and cancelled the insurance. When I received the bill I contacted them and they acknowledged they tried to pull funds from an account that was actually for the next month. I had cancelled so therefore this was not due. Credit Agency refuses to acknowledge my complaint and I also requested their State of Michigan Collection License number as this is required in order to collect a debt in the State of Michigan. If they are not licensed in Michigan they lawfully can not collect and therefore can not place a collection on my report. They have not acknowledged my dispute whatsoever.
08/11/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • PA
  • 165XX
Web
to whom it may concern I was the landlord of XXXX XXXX XXXX, XXXX PA XXXX XXXX. The tenant failed her agreed obligated duty to pay for trash collection fees for a considerable time without acknowledging us, resulting in a 300 some Dolar accumulated debt to XXXX XXXX. We have since removed her from the property and paid XXXX XXXX {$350.00} on XX/XX/2019 over the phone with a spoken acknowledgment that the debt is cleared. But after XX/XX/XXXX, we still receive a letter every two months from Caine & Weiner with a debt collection letter with interest own addition to the debt. I've contacted both Cain and Weiner and XXXX XXXX regarding this issue 3 times on three different occasions and ended with no solution nor answers I need. I'm very concern for my own credit rating and the future impact this may have. The property is sold on XX/XX/2019 and I no longer have the property. But I receive the same latter from Caine & Weiner today XX/XX/XXXX.
11/24/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TN
  • 37849
Web
Digging began on my property easement in XX/XX/XXXX by a third party company who was hired by the city/county for the purpose installing XXXX XXXX XXXX. During this process, an emergency XXXX call was made by an unknown party related to a natural gas leak. Weeks later, I received a bill, by mail, for a total of {$1300.00} which has currently been increased to {$1300.00}. The bill was sent from XXXX XXXX XXXX XXXX and has since been turned over to a collection agency by the name of Caine & Weiner. XXXX XXXX XXXX XXXX was contacted by phone to acquire explanation. XXXX XXXX representative chose to not explore the origin of the emergency XXXX call or circumstances related to the easement digging and natural gas leak, placing that responsibility on my household. We were told that the {$1300.00} bill would be waived if we immediately agreed to pay the voluntary annual fire protection fee within the next XXXX hours of the phone conversation.
07/10/2023 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 320XX
Web
On XX/XX/2023, I found a mistake in my credit reports. I noticed an account listed under Caine & Weiner # XXXX, which I did not recognize. I requested validation of this debt on XX/XX/2023, but I did not receive any correspondence to validate this debt as requested. I made a second attempt on XX/XX/2023, by writing another letter requesting validation of the debt, but there was still no response to my request. Upon reviewing my credit report on XX/XX/XXXX, this account is now reporting without the creditor validating that this account belongs to me. I do not believe this account belongs to me, and I also do not believe that the creditor has authorization to access the account or attempt to collect on the account. This account is negatively affecting me, and I request that it be removed from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and that all information is true and correct.
11/10/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 770XX
Web
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character.
12/08/2023 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • FL
  • 33314
Web
CAINE & WEINER XXXX XXXX XXXX XXXX XXXX section XXXX A States I have the right to privacy. XXXX XXXX XXXX section XXXX section XXXX also states a consumer reporting agency can not furnish an account without my written instructions. XXXX XXXX XXXX. ( a ) ( XXXX ) XXXX States : No consumer reporting agency XXXX make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report more than XXXX years. XXXX XXXX XXXX ( A ) ( XXXX ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above
03/30/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • NY
  • 10001
Web
Debt was the result of fraudulent charges that were charged to my XXXX account as part of a prepaid rental. The rental was prepaid with priceline.conm to include insurance at a cost of {$200.00} for 3 days. At the end of the rental an additional {$230.00} was charged to my card in addition to the original {$200.00}. When I inquired about the duplicative charges I was told that is was for additional insurance policies that I never asked for and some were actually duplicative. The prepaid amount included {$9.00} per day of damage and collision but XXXX included the same insurance at {$27.00} a day without my consent. XXXX and XXXX both agreed that the charges should have never been posted to my account and XXXX voided the charges. I am now receiving a collections notice that these fraudulent charges are being put on my credit report. I never received a certified letter from the collections agent just a regually mailed letter as well.
01/11/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MA
  • 02116
Web
I declare under penalty of perjury ( under laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Further these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I have made. I am alleging that a person or company-without my authorization used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and is defamation of my character.
09/16/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Fraud or scam
  • CA
  • XXXXX
Web
ex landlord illegally sent my name and 6 others to a collection agency because he is a habitual serial litigant, and his court order was denied. Next scheme, tally up what you can without anyone knowledge, hire the collection agency ( Caine and Weiner ) without judgement or orders or receipts, reason : Eviction aftermath and Mayhem. He XXXX XXXX Owner of XXXX XXXX XXXX XXXX. filed an eviction, the month after i left yet still sent me and 6 others demanded {$38000.00} after red tape no retrieval of those documents, ( XXXX ) as per collection lady, XXXX XXXX they finally after months of dispute and request for the docs. Manager Mr. XXXX said case is closed, can't assist! Why did agency work with this man who illegally did this to me? XXXX, i will have to get the sheriff out, he won't release to me either!! i don't need them now, but i keep for proof. I have forwarded my horrible situation to the Attrny General, city DA, DCFB, XXXX.
08/25/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MI
  • XXXXX
Web
One day, surely over month into my 6 policy period with progressive which I pay upfront, i received a letter stating I owed {$100.00}. Numerous attempts on the phone and requesting supervisors to explain this charge, resulted in nil. They continued to constantly call, back to back, even on weekends without an explanation. Again, this was a 6 month policy that i had renewed and had no changes. They eventually sent to Caine and Weiner, who called and gave they impression they were law enforcement. When they would call, they would mumble who they were so you really couldn't determine who it was or what it was about. They then sent me a letter stating debt collection owed, but no explanation. I sent a cease and desist letter to them on XX/XX/23. They once again communicated via mail XX/XX/23, clearly in response and in violation of my cease and desist. Same letter, no explanation. Both parties have violated the CFPB regulatory rules.
11/11/2018 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • UNITED STATES MINOR OUTLYING ISLANDS
  • XXXXX
Web
I confirm that I have received a written communication from you dated XX/XX/2018 wherein you make reference to the above captioned matter. It is apparent that you are acting on the presumption that some relationship that you may have with Caine & Weiner/XXXX XXXX XXXX, is in some way related to me. I am not a party to this implied relationship you have with Caine & Weiner/XXXX XXXX XXXX, either directly, indirectly or by means of any tacit consent. Accordingly, I do not understand how to respond to you since I am unaware of any contractual relationship between us. As a courtesy and because you may find it helpful, I have attached recent correspondence between myself and Caine & Weiner/XXXX XXXX XXXX, wherein I have repeatedly offered to settle the matter between myself and Caine & Weiner/XXXX XXXX XXXX. NOTIFICATION didn't disclose it was an attempt to collect a debt. Consumer didn't receive notice of right to dispute.
02/27/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • NY
  • 109XX
Web
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. Cain & Weiner Account XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. 9a0950 Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer agency if the person knows or has reasonable cause to believe that the information inaccurate
08/16/2021 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Indicated you were committing crime by not paying debt
  • CA
  • XXXXX
Web
I have had no communication or knowledge or documents regarding this Caine and Weiner collection {$38000.00} debt from XXXX XXXX XXXX owner of Apartments name is XXXX XXXX. No judgment for his so called " EVICTION AFTERMATH AND MAYHEM '' please see attached re. my ignored attempts to obtain the 38 or more " supporting documents '' sent or faxed in by the LANDLORD who is a vicious, frivilous, vexatious, and letigeous! I am legally entitled to know why he conjured up this rediculous bill amount falsly conjured up not only towards me but 5 other people ( family ) and su ent on to Caine and Weinert collection agency. I have been intentionally maliciously harassed for 2 years from this apartment owner! My lawyer was not able to get compliance from agency and i was not either from anyone! SOMEONE please subpoena them from Creditor and Agency. see attached. thank you so very much for being fast and efficient towards my dispute.
07/27/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • VA
  • 238XX
Web
On several attempts I have made notification to Caine and Weiner the alleged debt that they have reported to the consumer reporting agencies was not mine and I asked to have it removed entirely from XXXX, XXXX, and XXXX. By submittal of Caine and Weiner own documents it clearly shows this account is not mine and the dollar amounts in question are not the same which makes it inaccurate. The name is not mine and it appears this is a corporate/company account. Caine and Weiner has failed to comply and has offered no evidence where they had permissible use for my credit file. It saddens me that the credit reporting agencies have not taken better care to ensure what is reported is accurate. I have attached all supporting documents to show my attempts to have this derogatory information deleted from my file as it once was then re-inserted with out my knowledge. Caine and Weiner illegal tactics and practices need to be stopped.
08/09/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • MN
  • 56201
Web
These accounts and inquiries are not mine they was made without my permission, consent, inquires. XXXX XXXX XXXX Reported : XXXX XXXX XXXX Caine Weiner Company Reported XXXX XXXX XXXX XXXX XXXX XXXX Reported XXXX XXXX XXXX XXXX XXXX XXXX Reported XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported : XX/XX/ or All the above accounts and inquiry is and are fraudulent and according to The Court FCRA these accounts violated my rights in many ways these accounts is pass the statutory limit what the law required under statute 15 USC 1681 B, 15 USC 1681u 1681 section 602 XXXX which states I have a right to privacy, 15 USC 1681 604 XXXX Section 2 which states a consumer reporting agency can not furnish a account without my written instructions or consent, 15 USC 1666 XXXX which states a creditor may not treat a payment on a consumer credit card plan as a late payment for any reason the inquieres must be removed immediately thank you.
07/23/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33610
Web Servicemember
Caine and weiner refused to remove this debt from my XXXX credit report and still report this negative item which is not a negative item on my credit report. They even put a cease and desist address on my credit report and XXXX will not take it out cause that is not my address nor was other addresses they had there. But back to the matter at hand. You are trying to collect a debt that is not owed to XXXX and I never told them to add this to my insurance. In fact I got another insurance because their insurance was way too high for two cars I got XXXX XXXX insurance. And I sent a photo of the policy. This account came back verified and how. I have been trying to get you to remove it and you are persistent in this illegal matter of reporting something on my credit report that is false. You also came at me in an email to attempt to collect and that is way illegal. 15 US code 1692c ( a ) ( 1 ) ( 2 ) 15 US code 2681 ( I )
07/25/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 31768
Web
More information on complaint XXXX THIS IS NOT A DUPLICATE Complaint You clearly stated nothing is owed to You... so why are reporting negative information to my consumer an coming after me for alleged debts not owed to you lawfully You have also my rights to refuse this alleged debt.. once again i refuse this alleged debt I demand you cease contact through all Mediums including my consumer report an any no affiliated 3rd parties you may only contact me to inform the debt has been XXXX through the CFPB XXXX. Again you gave non verified or validated this account. You have clearly told me exactly what I have been saying I owe you nothing I have not done any business with this company I have a right to refuse debts pursuant to 15usc1692c.. FOR THE RECORD ONCE AGAIN I REFUSE THIS ALLEGED DEBT I DEMAND YOU CEASE CONTACT THROUGH ALL MEDIUMS INCLUDING MY CONSUMER REPORT. Only contact via cfpb portal or via email at XXXX XXXX
04/20/2023 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • TX
  • 761XX
Web
The start of the new I received my credit report and I noticed things in error, So on XX/XX/XXXX I sent out letters regarding inaccurate and unknown things on my credit reports to XXXX, XXXX, and XXXX. On XX/XX/XXXX I sent a certified letter to Caine & Weiner company Inc and progressive with no response from progressive. After having my dispute ignored and feeling helpless I researched and found out that section 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove this item from my credit report. It has now been well over 30 days which means it needs to be deleted promptly. I demand these accounts to be removed immediately or I will have no other choice but to file litigation due to the stress this has caused my family and I be effecting my credit score. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
05/23/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • GA
  • 30519
Web
Caine & Weiner, the charlatans of debt collection, appeared on my credit report regarding an auto insurance invoice. I called Caine & Weiner and asked that they provide proof of this outstanding debt, as I have proof of cancellation and a XXXX balance ( I'm also an active customer with the very same insurance company and confirmed this with them as well ). I was told to send them the proof, which I did. A very angry, aggressive person called, by the name of XXXX XXXX, and make threats of further collection action, although I already supplied proof of payment. When I asked her to simply validate this debt, she said " I'm not sending you anything, it's just gon na stay on your report ''. If I wasn't well educated on my rights, and perhaps as ignorant as the person who called me, I might have been moved by her meaningless threats. How do you allow businesses ( for lack of a better word ) continue to practice this way?
05/09/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • LA
  • 70065
Web
On Caine & Weiner Company Inc. reported to XXXX, XXXX and XXXX I had one account in collections for {$740.00} dollars, I have no knowledge of said account and I do not owe Caine & Weiner Company Inc. anything. This erroneous collection was placed on my credit report without any prior communication ( verbal or written ) and without validation of debt. I had no prior knowledge of this account and I was never informed of this collection account nor have I ever received any correspondence from Caine & Weiner Company Inc. or any other company regarding this account. I never received any information about this account nor was I given the opportunity to acknowledge or dispute the validity of this account. The practices employed by Caine & Weiner Company Inc. is a clear violation of the Fair Debt Collections Act. I am requesting that Caine & Weiner Company Inc. remove this collection account from each of my credit reports.
11/29/2021 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • TX
  • 77086
Web
Hello I have reached out to Caine & Weiner several times requesting debt validation and have received no response and they continue to report inaccurate information on my report which is a violation of the XXXX and violation of the Fair Debt collection practice. This company is violating my consumer rights and causing defamation of character making it difficult for me to purchase a home. XXXX and XXXX removed the account and it came back a few days later like a brand new account. Still no debt validation no contract or anything bearing my signature that I owe them anything. I have not done business or signed anything with Caine & Weiner. If I have done business with them why is it so hard to validate the debt that I have wrote several letters requesting this information. My claim continues to be ignored and this is a violation of my consumer rights if I owe the debt please show me validation of the alleged claim.
08/13/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TN
  • 38141
Web
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts I noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the outcome was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCT # XXXX ... XXXX XXXX XXXX XXXX ACCT # XXXX ... XXXX XXXX XXXX XXXX ACCT # XXXX ... XXXX XXXX XXXX ACCT # XXXX ... XXXX XXXXXXXX XXXX ACCT # XXXX ... XXXX XXXX # XXXX ... XXXXXXXX XXXX ACCT # XXXX ... XXXX ACCT # XXXX ... that are listed on my credit report. Furthermore, this account can not be 100 % accurate as there are open dates they have listed on my credit report that varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
01/09/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • TX
  • 75232
Web
I disputed account # XXXX company name Caine and Weiner company address XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, account # XXXX XXXX company address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, and XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. XXXX XXXX and XXXX deleted all XXXX accounts and added them back to my credit report after it was deleted. This is against FCRA RULES. This is defamation of my character, my personal Characteristics, and my general mode of living. I shouldn't have to file this many complaints against these companies. According to THE FCRA and the FTC, it is their duty that these companies report accurate and precise information to my consumer report. I want all XXXX of these accounts deleted from MY CONSUMER REPORT because they were already deleted. I attached the paperwork sent to me from XXXX XXXX and XXXX with these accounts deleted.
09/07/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NV
  • 89141
Web
0nXX/XX/XXXX I found a derogatory collection account filed on my credit report. caine & weiner filed it against me for retailer XXXX XXXX. however I never owed XXXX XXXX any debt or did not complete a transaction with XXXX XXXX during the time period in questionXX/XX/XXXX. i called XXXX XXXX and started a fraud investigation against caine & weiner and XXXX XXXX told me that tgey do not use 3 party collection agencies this company has over 100 fraud complaints with the BBB for putting fraudulent derogatory collections on credit reports. caine & weiner collections XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX or XXXX XXXX XXXX suggested I file fraud reports with law enforcement and i have done so. XXXX XXXX XXXX automated system option 3 option 1 XXXX fraud case number i have file a police report lvmpd fraud report atty general fraud.org naag.org ftc.gov ic3.gov. this scammer crime goes after the eldery i
05/19/2021 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • PA
  • 19320
Web
CAINE & WEINER is a debt collector pursuant to 15 USC1692a ( 6 ) ,15 USC1681n, and 73 p.s. 2270.1 et seq. XXXX XXXX is a consumer as that term is defined in 15 USC1692a ( 3 ), 15 USC1681, and 73 p.s. 2270.1 et seq. CAINE & WEINER is not a creditor, and I have not applied for, neither received any services or credit with their particular agency. Additionally I have noticed that they obtained my consumer credit report. I never gave them permission to obtain my personal credit file and unless they can verify this account is valid by producing the original agreement with my signature, this account is also erroneous. Therefore their intrusion in my personal credit file while trying to collect on erroneous account constitutes a willful and negligent violation of 15 USC1681q which would also be a criminal offense ( felony ) punishable under Title 18USC, the penalty being a fine and or two years imprisonment
03/24/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • VA
  • 225XX
Web
There is a collection on my consumer credit reports for {$140.00}, reported on XX/XX/XXXX. The debt is reported by the Collection Agency, Caine & Weiner, XXXX. XXXX XXXX, XXXX XXXX, CA XXXX. I have contacted them by mail on 3 occasions requesting information pertaining to this debt they are reporting on my consumer credit reports with XXXX, XXXX and XXXX, that is not my debt. To this date they have not provided any detailed information, and to date have not removed this debt from my consumer reports. They are currently violating my rights under the Fair Debt Collection Practices Act and harming my credit rating. Furthermore, they are not responding to my repeated request to provide detailed information regarding the debt noted above. I have sent by First Class Mail three letters dated XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. To this date there has been no response regarding my repeated request.
08/08/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • MN
  • 55330
Web
These accounts and inquiries are not mine they was made without my permission, or consent, inquiries, XXXX XXXX Inquiry : XX/XX/2023, XXXX XXXX : XX/XX/2023, CAINE WEINER Reported : XX/XX/2023, XXXXXXXX XXXX XXXX Reported XX/XX/2023, XXXXXXXX XXXX XXXX Reported : XX/XX/2023. All the above accounts and inquiry is and are fraudulent and according to The Court FCRA these accounts violated my rights in many ways these accounts is pass the statutory limit what the law required under statute 15 USC 1681 B, 15 USC 1681u 1681 section 602 Alpha which states I have a right to privacy, 15 USC 1681 604 Alpha Section 2 which states a consumer reporting agency can not furnish a account without my written instructions or consent, 15 USC 1666 Bravo which states a creditor may not treat a payment on a consumer credit card plan as a late payment for any reason the inquieres must be removed immediately thank you.
10/25/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NJ
  • 070XX
Web
XXXX : THERE IS INFORMATION THAT ON MY CONSUMER REPORT THAT IS A RESULT OF IDENTITY THEFT. I DID NOT PROVIDE WRITTEN PERMISSION OR INSTRUCTIONS FOR THE IDENTIFIED TRANSACTIONS TO BE REPORTED ON MY CONSUMER REPORT. I AM REQUESTING THAT THE REPORTING OF THS INFORMATION BE BLOCKED AND DELETED MY REQUEST TO BLOCK IS NOT BEING MADE IN ERROR ; NOR IS MY REQUEST TO BLOCK THE IDENTIFED TRANSACTIONS. THE IDENTIFIED TRANACTION ARE NOT INFORMATION RELATED TO ANY TRANSACTION BY ME AS THE CONSUMER. ( 1. ) XXXX XXXX XX/XX/XXXX ( 2. ) XXXX XXXX XXXX ( 3. ) XXXX XXXX XX/XX/XXXX ( 4. ) XXXX XXXX XX/XX/XXXX ( 5. ) CAINE & WEINER COMPANY INC. XX/XX/XXXX ( 6. ) CAINE & WEINER COMPANY INCXXXX XX/XX/XXXX YOU ARE REQUIRED TO DO WHAT I AM ASKING AND BLOCK THESE TRANSACTIONS FROM BEING REPORTED TO MY COSUMER REPORT WITHIN 4 DAYS FROM THE DATE OF THE RECEIPT OF THIS NOTICE. I LOOK FORWARD TO YOUR RESPONSE. THANK YOU
04/22/2021 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • PA
  • 152XX
Web
On XXXX XXXX, 2019 CAINE & WEINER COMPANY added derogatory marks on my credit reports. Upon further research, those accounts were transferred /sold and I am no longer responsible for them. Debtors creditors did not verify those collections. Also there was no written form of communication, contract or signature for those account debts at all. Please provide me with the following : Signature for those account debts at all. What the money you say I owe is for. Explain and show me how you calculated what you say I owe. Provide me with copies of any papers that show I agreed to pay what you say I owe. Provide a verification or copy of any judgment if applicable. Identify the original creditor. Prove the Statute of Limitations has not expired on those accounts. Show me that you are licensed to collect in my state. Provide me with your license numbers and Registered Agent or Agent of Service.
08/20/2023 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • AR
  • 721XX
Web
Caine & weiner is still in violation of 15 usc 1681b ( a ) ( 2 ) in accordance with written instructions of the consumer to whom it relates. Which means that any item of information on my consumer report can not be placed on my consumer report without my written consent. I am now demanding canin & weiner to provide me proof of my written consent ( permissible purpose ) giving them permission to furnish each of the following pieces of information on my consumer report ( see exhibit A in document section ) Caine & weiner claims not to be a debt collector but a collector for another corporation. Which means Caine & weiner is in fact a debt collector. Not only do Caine & weiner deny being a debt collector but you also admitted that weve never done business with each other so now this is an identity theft action due to Caine & weiner obtaining my non-public personal information without my consent.
06/21/2023 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MD
  • XXXXX
Web Servicemember
Caine and Weiner Company , Inc. did not respond to my previous request ( Complaint ID : XXXX ) for a breakdown of the balance details. There are XXXX balances referenced on XXXX of their correspondence letters including a reinstatement amount and an amount due of {$730.00} and {$14000.00}, respectively. This letter is not dated, but drafted by representative of that company, XXXX XXXX, ( XXXX ) XXXX ( attached ). As indicated on my previous correspondence, I attempted to reach XXXX XXXX via phone to no avail. I left at least XXXX voicemail. The company also claims they attempted to reach me, but they did not specify the means by which they claim to have done so ( e.g., email, phone, or witten letter ). Furthermore, no date is specified, nor did they disclose who they claim attempted to reach out to me. You can refer to the company 's response in the aforementioned complaint ID to confirm this.
10/21/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • KS
  • 66502
Web
Company responded on XX/XX/2023 RESPONSE TYPE Closed with explanation Company 's Response We have reviewed this complaint and our records. Our records reflect the account has been closed as 'Disputed ' in our office. We sent a request to the credit reporting agencies to have this account removed from the consumer 's credit report. We do not show a negative entry being reported, however, it may take the credit bureaus up to 45 days to reflect on the consumer 's credit report. As a 90-year old company, Caine & Weiner wants to help consumers in any way possible. We encourage the consumer to call our office at XXXX and ask for a manager for further assistance. We may also be contacted at www.connectcw.com It has almost been 60 days now, and Caine & Weiner Company has not removed the information they provided to the consumer report XXXX. " As a 90-year old company, '' how about keeping your word?
03/13/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • SC
  • 29707
Web Servicemember
XXXX is inaccurately reporting that I owe {$110.00} for a auto insurance after being a loyal paying customer for over XXXX years. In XX/XX/2022, I switched insurance from XXXX to XXXX XXXX because XXXX has very poor customer service. XXXX violated by consumer protection rights by continuing to bill me even though I provided proof of insurance showing I was insured by XXXX XXXX as of XX/XX/2022. XXXX owes me a credit in the access of {$40.00} and never paid me. In XX/XX/2022, I received a letter from Caine & Weiner indicating I owed a debt. The debt collection company did not adhere to FCRA regulations and violated my consumer rights by failing to send me a 30 notice letter. In XX/XX/2022, received adverse credit reporting which dropped my score. I am in the process of buying house and my credit has been impacted even though I provided XXXX with my insurance Declaration Page three times.
07/30/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • MN
  • 55406
Web
These accounts and inquiries are not mine they was made without my permission, or consent, inquiries, XXXX XXXX Inquiry : XX/XX/2023, XXXX XXXX : XX/XX/2023, CAINE WEINER Reported : XX/XX/2023, XXXX XXXX XXXX Reported XX/XX/2023, XXXX XXXX XXXX Reported : XX/XX/2023. All the above accounts and inquiry is and are fraudulent and according to The Court FCRA these accounts violated my rights in many ways these accounts is pass the statutory limit what the law required under statute 15 USC 1681 B, 15 USC 1681u 1681 section 602 Alpha which states I have a right to privacy, 15 USC 1681 604 Alpha Section 2 which states a consumer reporting agency can not furnish a account without my written instructions or consent, 15 USC 1666 Bravo which states a creditor may not treat a payment on a consumer credit card plan as a late payment for any reason the inquieres must be removed immediately thank you.
11/15/2023 Yes
  • Debt collection
  • Auto debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • SC
  • 29209
Web
To whom it may concern, I XXXX XXXX are writing to you in reference to an account with XXXX whose collection agency is Caine & Weiner is reporting a collection amount of a {$340.00} balance. This agency is performing unfair practices, in which is reflecting a negative impact on my credit report. This debt also exceeds the statutory limit for the state of South Carolina, which is stated in section XXXX of title XXXX Remedies and Procedures. This is also deemed unfair in conjunction with the Fair Credit Reporting Act ; 15 U.S.C.-1681 et seq that states : U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. I am asking that this matter be resolved and that this account be removed from XXXX, XXXX, and XXXX respectfully. Thank you in advance for your attention to this matter.
07/08/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • SC
  • 295XX
Web
Upon looking at my credit report I see that there is a debt from XXXX XXXX represented by Caine & Wiener in the amount of {$2800.00}. This account has been removed and deleted by several collection agencies due to fraud and the original creditor not informing them that is due to fraud. In XX/XX/XXXX I wrote to XXXX. XXXX about this debt and the fact that it did not belong to me and to remove it because a former collection agency had to do the same thing. Now 2 years later XXXX XXXX has sold this account to yet another collection agency Cain & Wiener in XXXX of XXXX. I can never seem to get my life back on track or catch a break from someone stealing my identity and using my information. I wake up daily with anxiety because I am always having to check something every day to make sure. Please have them remove this debt and to stop trying to collect on something that I know nothing about.
09/28/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • TX
  • 781XX
Web
I left XXXX XXXX in XXXX and also stopped banking at XXXX XXXX XXXX XXXX in that same year. I owed roughly XXXX on a XXXX Credit Card and let that debt default. They charged off the debt and apparently sold the debt to Caine & Weiner XXXX in XXXX. Suddenly this year, it is now showing the debt was created in XXXX instead of XXXX or even XXXX? I am certain they can not change the dates of the debt to keep it on my credit report forever, and they are acting like they can not do anything to help me, even though it is XXXX XXXX XXXX XXXX XXXX that is reporting this to all of the credit agencies. It is not the collections agency that they keep referring me to and who has never sent me a thing on this new debt that was written off years ago? I am looking to get the dates back to where they should be, and I feel like they are playing dirty on this. I need your help. Thank you. XXXX XXXX
07/22/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 341XX
Web Older American
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, NY XXXX In XX/XX/XXXX we paid {$6000.00} to this company to assist in posting review to our customers experience on our webstore. We also paid 2 more years. In XX/XX/XXXX, we were advised the service was expiring and we allowed to to expire and advised the company of the same. They claim that we can not terminate the service ( even though it is for future services ) and they have created collection and intimidation efforts on this false debt. We have been very clear that this debt is not owed, they are not entitled contractually for any subscription type of future service, and they have ignored. XXXX XXXX has a huge amount of negative review and a D- rating with XXXX XXXX XXXX . They use intimidation and aggression. They state they will stop if we pay them {$6000.00} for a future year of services and we will not allow this extortion.
12/29/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • GA
  • 30813
Web
Last Reported XX/XX/XXXX Creditor Name XXXX XXXX XXXX Account Type Account Status Open Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit -- Term -- Monthly Payment -- Responsibility Individual Balance {$2800.00} Highest Balance {$2800.00} Payment Status Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due -- Times 30/60/90 Days Late -- / -- / -- Remarks Account information disputed by consumer, meets FCRA requirements Payment History Latest Status : No payment history has been reported by this creditor. Creditor Contact Details XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$850.00} under laws codes : fair credit reporting act violation of my rights 15 U.S.C 1681s-2 ( A ) ( 1 ) 15 U.S.C 1681 SECTION 602 A, 15 U.S.C 1681 SECTION 604 A SECTION 2 15 U.S.C 1681C. ( A ) ( 5 )
12/02/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • NC
  • 280XX
Web
I have been trying to correct my credit report for over 6 months. I have asked all 3 credit bureaus to provide proof of the debt ( 609 LAW ) in writing several times and have been ignored with no responce. I don't have any knowledge or recollection of these debt. I believe they are reporting incorrectly and it is affecting personal and financially. Please remove the following inaccurate items listed below from my credit report. Thank you in advance. XXXX XXXX XXXX Last reported XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX XXXX XXXX A XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX CAINE & WEINER {$260.00} XXXX XXXX XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX XXXX XXXXXXXX {$160.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$620.00} XXXX XXXX XXXX XXXX Inquires XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXXXXXX XXXX XXXXXX/XX/2XXXX XXXX
02/23/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Right to dispute notice not received
  • IN
  • 47130
Web
I switched insurance companies in XXXX from XXXX to XXXX. I had an outstanding balance due and received a final bill from XXXX in early XXXX. I sent a payment of {$5000.00} to them on XXXX XXXX and was going to pay them {$50.00} every 2 weeks until the debt was paid. I received a call today from Caine & Weiner a debt collector as XXXX turned my account over to a collection agency after they accepted my partial payment. I have a bankruptcy on my credit report and we are trying to buy a house this summer. We were told by our mortgage banker that we can not have any late payments or collections on our credit. I tried calling progressive today and they said I have to refer all my communications to the collection agency. They say that the final payment letter went out to me on XXXX/XXXX/2016 and they do not accept partial payments however they gladly accepted mine. What can I do now?
01/25/2019 Yes
  • Debt collection
  • Auto debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 32607
Web
Date : XX/XX/XXXX Amount : XXXX Company : Caine & Weiner Complaint : I was attempting to pay off a debt through this agency and I stated that I was willing to pay the debt as long as I obtain a validation letter stating the amount that I owe. The collection agency stated that my debt was closed on XX/XX/XXXX and said that because of the small amount of the debt and because the debt is " old, '' that the only way I could pay for the debt is to do an express pay on the Caine & Weiner website. When I requested that I would get transferred to another agent, the second agent stated that they were not able to fulfill the request of a validation letter due to the account being old and having a small amount. I told them I can't pay the debt off unless I receive a document and they stated that they will have to hang up the call and that the amount due will be there in the credit report.
06/12/2018 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • CA
  • 926XX
Web
XXXX XXXX Spoke to XXXX XXXX . I submitted the dispute and request to validate debt of {$100.00} for medical bill ( son- XXXX XXXX ). Collection letter dated XX/XX/XXXX. XXXX XXXX I received a letter dated XX/XX/XXXX from Collection Co . I received a copy of an invoice for the bill. Although the Medical office biller confirmed there is no balance owed. Although letter is dated XX/XX/XXXX, received the letter in the mail on XX/XX/XXXX. XXXX XXXX Spoke to XXXX XXXX XXXX Advised them I didn't receive the letter until XX/XX/XXXX, which was more than 30 days of my dispute. She advised that the collection account was already reported to the bureaus. Then my call was answered by XXXX (? ). He would not confirm any details of the account or about what was being reported to the credit agencies. In a threatening tone would not assist to resolve ; demanded payment, then hung up on me.
03/08/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • TX
  • 75224
Web
XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX/ XXXX, CAINE & WEINER, XXXX XXXX XXXX, XXXX XXXX XXXX, HAS VIOLATED MY RIGHTS. 15 U.S.C. 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C. 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 15 U.S.C. 1681C. ( A ) ( 5 ) SECTION STATES : NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEMS OF INFORMATION ANY OTHER ADVERSE ITEM OF INFORMATION, OTHER THEN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THEN SEVEN YEARS. 15 U.S.C. 1681S-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE.
01/18/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • AZ
  • 85258
Web
I have sent multiple letters to credit agencies as well as the debt collector detailing this is not my debt that is on my credit report with no replies or removal. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
09/03/2021 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NY
  • 11207
Web
I have sent affidavit DEMANDING that they Verify the debt that I allegedly owe them. They CLAIMED they did but it wasn't done properly Pursuant to 15 U.S. Code 1681a ( e ) which defines an investigative consumer report as a consumer report in which information on a consumers character, general reputation, personal characteristics, is obtained through personal interviews with neighbors, friends, etc, who may have information of any items on the consumer file which you will have to show me proof via an affidavit of fact under penalty of perjury ; I DO NOT CONSENT TO ANY AUTOMATED RESPONSE OR E-OSCAR VERIFICATION METHOD. and if they can't, they must CLOSE the account and IMMEDIATE REMOVAL OF THE NEGATIVE REMARKS they've made against me on my credit report pursuant to THE FAIR CREDIT REPORTING ACT 15 U.S. CODE 1681 1681i. Unauthorized Use Pursuant to 15 U.S. CODE 1602 ( p )
11/09/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NY
  • 105XX
Web Older American
I work as the XXXX XXXX XXXX XXXX XXXX XXXX The organization owes a debt of {$7200.00} to a vendor, which has been sent to a debt collector, Caine & Weiner. The debt collector has repeatedly tried to contact me personally to pay the debt, including by calling and leaving a voicemail on my personal cell phone ( on XXXX XXXX XXXX ), sending emails to my personal email address ( on XX/XX/XXXX ), and mailing notices to my home ( dated XX/XX/XXXX, delivered XX/XX/XXXX ). My assistant similarly received a voicemail left on her personal cell phone, an email sent to her personal email address, and notice mailed to her home. On XX/XX/XXXX, I sent an email from my work email address asking that any communications related to the debt be sent only to my work phone and email, but the debt collector has continued trying to contact me personally to collect the debt owed by my employer.
12/22/2020 Yes
  • Debt collection
  • Other debt
  • Threatened to contact someone or share information improperly
  • Contacted you after you asked them to stop
  • VA
  • 22042
Web
I received a letter in the mail on XX/XX/2020. The letter was from Caine & Weiner collections agency stating that I owed a debt that XXXX XXXX representative stated that I did not owe, and the debt was paid in full. I disputed the amount owed in the letter within the 30 day time frame, and the still stated that they did not receive the letter, and that they will not remove the debt from my credit report. Caine and Weiner stated that they did not receive any written correspondence from me and that they will not send me a detailed accounting verifying that i owed the debt. I sent them a copy of the letter and they still refuse to acknowledge the letter and remove the debt from my credit report. I do not owe this debt, i disputed this debt, twice now, and they are refusing to take debt off my credit report and will not send me any documenting proof that i owe this debt.
05/03/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • SC
  • 29707
Web Servicemember
Caine & Weiner debt collector has refused to update my credit reporting. XXXX XXXX made an error on my account and did not close my account properly in XXXX XXXX even though I provided my insurance declaration page from XXXX XXXX. After reporting the insurance company to the Department of Insurance they send me a notice indicating they correctly cancelled my insurance in XX/XX/XXXX and sent me a refund for {$51.00}. I contacted Caine & Weiner today and they said XXXX pulled back the account to show I no longer owed an debt however they have not updated their system. XXXX and Caine & Weiner are violating my rights under FCRA by failing to update my account with the credit bureau agencies which is impacting my ability to buy a house as my credit score has dropped. I want my account updated immediately as it has been over a month since XXXX realized their mistake.
11/02/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • TN
  • 38116
Web
Sent Company A Letter Asking Them To Validate Debt And Company Has Not Responded In A Timely Manner. I Am Not Familiar With : XXXXXXXX XXXX XXXX XXXX {$370.00} This account is inaccurate and fraudulent And Have Never Signed A Contract, With This Company Nor Have I Ever Entered Into Any Agreement With Them. Neither do This company have My Signature. This company Never Sent Me A Notice About Attempting To Collect On Alleged Debt, They Simply Put A Negative Remark To The Credit Bureaus And I Am Asking That The Collection Accounts Be Removed. They Are Alleging A Balance Owed ( which was typed above with account number ) To Their Company this is not my debt and also have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore
12/28/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • OK
  • 73703
Web
in XXXX of 2022 i got insurance with progressive and was quoted for my policy at XXXXXXXX XXXX XXXX dollars. i payed the initial payment of XXXX on XX/XX/XXXX. when may came along and i was to start my new policy in another state, i was told they never received my documents and would be charged XXXX monthly for my policy. i called progressive many times and tired emailing them the documents they requested. each time i called i was told they didn't receive the documents and would take up to XXXX hours to show in their system. i tired to reach out to the insurance broker that sold me the insurance but wasn't ever able to get a hold of her. i was told because my miles went up due moving and because i didn't submit my documents in time they would continue to charge me XXXX each month. i cancelled my service and then i have a collection of XXXX on my credit report.
07/11/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Old information reappears or never goes away
  • MT
  • 594XX
Web
Hello so we had a used car business in XXXX operating under a LLC. We moved out of state a year ago. We had a floor plan for used car dealers to buy inventory for resell with a company called XXXX ( XXXX XXXX XXXX ). My grandmother who passed away XX/XX/XXXX of this year who co-signed this note, and I signed. We had a issue with one car left on our floor plan. They have plastered this information all over our PERSONAL credit reports. XXXX removed the item several months ago, and just yesterday it was reinserted on my credit report ( s ) I have already mailed documentation to the three major CRA 's but XXXX and XXXX do not want to remove the item. I am pretty much at my whit 's end with this. I have since obtained my license in the State of XXXX, and I am trying to get my business back up and running after over a year. The collection agency is Caine and Weiner.
02/23/2019 Yes
  • Debt collection
  • I do not know
  • Threatened to contact someone or share information improperly
  • Contacted your employer
  • CA
  • 90405
Web Older American
On XX/XX/2019 a XXXX XXXX from a debt collection firm/attorney 's office named Caine Weiner emailed and called my employer by emailing and calling XXXX XXXX who is administrative Assistant to the CEO at the Company where I have worked for 7 years. ( See Attached email documents ) XXXX XXXX then emailed the email that was sent to her by XXXX XXXX to me. I immediately sent a cease and desist email to XXXX XXXX at her email XXXX. ( See attached email documents ) Then on XXXX XXXX XXXX XXXX ignored my cease and desist email to her sent on XX/XX/2019 and emailed and called XXXX XXXX again. XXXX XXXX then emailed XXXX XXXX 's email regarding some debt ( I am not even aware that I owe it as they will not reveal what it is for ) to all upper management and legal at my Company. I am in fear of losing my job over this person 's actions. ( See attached email documents )
02/22/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Communication tactics
  • Frequent or repeated calls
  • CT
  • 06405
Web
I had reached out to XXXX over an outstanding debt of {$100.00} that they did not respond to my attempts to clarify if it was actually owed. They gave the debt collector my information yesterday, he called me 4 times today, my husband twice at work, and sent 3 emails one stating how disappointed he was that I did not pay my debt! I said I already settled it with XXXX and sent them a check, and he is repeatedly checking with them and telling me I paid nothing. I had to block his number. I received nothing before today from Caine & Weiner out of XXXX prior to this afternoon when I got so many phone calls and harassment, he then started sending all capital letter emails clearly stating that he was getting angry. This is NO way to treat a debtor, I was a XXXX and did XXXX for 7 years and I would never treat someone this way, let alone over a debt of {$100.00}!!!
10/25/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NJ
  • 070XX
Web
XXXX : THERE IS INFORMATION THAT ON MY CONSUMER REPORT THAT IS A RESULT OF IDENTITY THEFT. I DID NOT PROVIDE WRITTEN PERMISSION OR INSTRUCTIONS FOR THE IDENTIFIED TRANSACTION TO BE REPORTED ON M CONSUMER REPORT. I AM REQUESTING THAT THE REPORTING OF THIS INFORMATION BE BLOCKED AND DELETED. MY REQUEST TO BLOCK IS NOT BEING MADE IN ERROR ; NOR IS MY REQUEST TO BLOCK BEING MADE ON THE BASIS OF A MATERIAL MISREPRESENTATION OF FACT BY ME RELEVANT TO THE REAUEST TO BLOCK THE IDENTIFIED TRANSACTION. THE IDENTIFIED TRANSACTION ARE NOT INFORMATION RELATED TO MY TRANSACTION BY ME AS THE CONSUMER. ( 1 ) CAINE & WEINER XX/XX/2021 ( 2 ) XXXX XXXX XXXX XXXX : YOU ARE REQUIRED TO DO WHAT I AM ASKING AND BLOCK THESE TRANACTION FROM BEING REPORTED TO MY CONSUMER REPORT WITH IN 4 DAYS FROM THE DATE OF THE RECEIPT OF THIS NOTICE. I LOOK FORWARD TO YOUR RESPONSE. THANK YOU
12/20/2019 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NY
  • 11203
Web
DEAR CAINE & WEINER According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. PLACE FOR COLLECTION : XX/XX/2018 CAINE AND WEINER ACCOUNT # XXXX AMOUNT DUE : {$130.00} SINCERLY, XXXX XXXX
04/18/2019 Yes
  • Debt collection
  • Mortgage debt
  • False statements or representation
  • Attempted to collect wrong amount
  • CA
  • 92069
Web Servicemember
I was in a lease until XX/XX/2017, I had my apartment cleaned and I had moved out before XX/XX/XXXX. I had given verbal notice that I was not going to continue living there. I received a bill from the law offices of Caine and Weiner that I had three months back rent in the amount of {$4600.00}, and {$75.00} for late fees. I was charged for " excessive cleaning '' {$240.00}, {$660.00} for legal fees, and {$120.00} for utilities, and a carpet cleaning for {$160.00}. Total {$5900.00} minus {$1000.00} for my deposit. From what I understand XXXX XXXX in XXXX has a bad reputation of sticking it to there tenants for leaving. As I understand it the laws of California are the Leasing office is responsible for getting an apartment ready for the next tenant and carpet cleaning, repainting the walls, and cleaning falls on the responsibility of the leasing company.
06/19/2017 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33572
Web
This is the second complaint with CFPB an d Caine and Weiner. My first complaint was XXXX . Caine and Weiner respond ed with a response that the debt is verified. The company 's determination of verifying a debt is to send a copy of a bill. That is not verification. I requested in writing twice, certified mail, read receipt, to verify AND validate this debt is mine. It is not! I have This right under Secti on 609! I have the right to request and receive " the name of the person under which such person conducts business and the address and telephone number of that person ''. I request proof the debt is mine. This proof/verification/validation will not surface because it does not exist. A copy of a bill does not suffice, nor fulfill my request. If Caine and Weiner can not provide this, I want this account removed from my credit report immediately.
03/09/2020 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Told you not to respond to a lawsuit they filed against you
  • AZ
  • 85120
Web
On 2 previous occasions I have reported this company, Caine & Weiner for trying to collect a debt that they have never provided accurate paperwork, ie. original documents with payment history. The last response this company sent to myself and CFBP was that they would be sending an accounting of all payments to me and providing this info directly to CFPB, which they have not done. ( see companies response to CFPB complaint XXXX from XX/XX/2020 ) I have not received any documentation other than another bill from them. They have not provided me with any original signed documents nor have they provided me with an accounting of any payments made. Also, according to the response Caine & Weiner provided on XX/XX/2020 one account had already been removed from my credit report ... which is not true as it still remains on all three of my credit reports.
05/12/2018 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 95747
Web
Caine and Weiner XXXX XXXX XXXX XXXX XXXX, CA XXXX {$680.00} The debt collection firm is trying to collect on a debt that is not mine. This was to be resolved after my communication with them and advising them that the charges were either someone else or fraud. This debt collector was advised that they are not to put erroneous information on my credit report as it a item that is not mine. I have sent them a letter to request the forms to put this in as fraud and they can not provide as it was paid in full by XXXX. These bills are not mine and I have requested signatures to provide proof that they are mine. This company is abusive in their practices on the call and have been reporting on bills that are up to 4 years old. The information is incorrect and they are not listening just billing me and putting wrong information on my credit report.
09/24/2019 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • CA
  • 92101
Web
Company : Caine and weiner submitted a collection against myself I found out about the collection a year after when I checked my credit report. I didn't know about the collection as Mr XXXX XXXX have used harassment calls in the past which I thought the collection agency was part of his harassments. I called the collection agency on the XX/XX/XXXX and requested to provide an invoice in which they filed the collection againest, they have not provided any reports. I also sent a certified mail requesting the invoices that allowed them to file the collection against me in which they have received the mail on XX/XX/XXXX and they still have not provided any proofs. I requested them to remove the collection against myself and up till now they are refusing to remove it. They have submitted a collection without any proofs which violates federal laws.
08/03/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 77493
Web
Hi, I received an email from XXXX for credit alert as below on XX/XX/XXXX the following change to your credit file has been detected. Change : Major Derogatory Account XXXX : CAINE & WEINER Reported by : XXXX Below are details I found when i login to XXXX. Account info Account name : CAINE & WEINER Account number : XXXX Account type : Collection Responsibility : Individual Date opened : XX/XX/XXXX Status : Collection account. {$150.00} past due as of XX/XX/XXXX. Status updated : XXXX XXXX Balance : {$150.00} Balance updated : XX/XX/XXXX Recent payment : - Monthly payment : - Original balance : {$150.00} Highest balance : - Terms : 1 Months On record until : XX/XX/XXXX Original creditor : XXXX Contact info Phone number : ( XXXX ) XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX I am never a customer of XXXX, This is Fraud. Please help
07/21/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • FL
  • 33610
Web
The debit in question was paid directly to XXXX XXXX in the amount of {$730.00}. XXXX XXXX advised me that they will advise Caine & Weiner that the debit was paid in full and that they will have to remove their information from all applicable credit reporting agencies. Called Caine & Weiner on XX/XX/22 and was advised that they are not required to remove the debit from the agencies. I called back and spoke to another person and was advised that they will remove the information however they only report to the agencies on the 15th of every month and will sent info to the applicable agencies to remove the info. I called Caine and Weiner today and was advised something totally different XXXX XXXX that the cases are sent to the agencies at the end of the month. Caine & Weiner is dragging their feet and need to remove the information immediately.
03/30/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 75071
Web
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX CAINE WEINER ( Original Creditor : 01 XXXX ) XXXX ... XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ... XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
04/30/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • OH
  • 447XX
Web
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the forgoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable as perjury under 18 U.S.C 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transactions that Ive made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money, and was successful in creating some accounts. All being investigated by the FTC.
02/20/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • IN
  • 47130
Web Servicemember
In accordance with the fair credit reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable calls to believe the information is inaccurate. 15 U.S.C 1692 C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S.C 1681 Section 604 A Section 2 it also states consumer reporting agency can not furnish a account without my written instructions Account name : Caine and Wiener Account number XXXX XXXX
02/10/2021 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • CA
  • 900XX
Web
My old landlord fraudulently charged me fees when I moved out. He sent the claim to Caine and Weiner collections. I informed Caine and Weiner that the charges were not valid and that I was taking the landlord to court on XX/XX/XXXX. The court case was originally scheduled for XX/XX/2021, but due to COVID 19 the small claims court has pushed the court case to XX/XX/2021. In my original collections letter Caine and Weiner claimed that this would negatively impact my credit unless I payed. I requested that all interest and action on the account cease until the legal process played out. They did not comply with my request and they have continued to accrue interest on the account while they have known for three months that legal action is pending. Caine and Weiner is located at XXXX XXXX XXXX. XXXX XXXX, CA XXXX. There phone number is XXXX.
08/03/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • MI
  • 48085
Web
XX/XX/2018 I opened an account with XXXX XXXX for {$470.00}. A few months later my car was totaled and instead of accepting my claim which wouldve been covered under out insurance agreement they claimed my insurance was opened fraudulently. It took years for XXXX to finally work with me to remove the car loan from XXXX XXXX the financier of my car after I finally found of I can report them to the XXXX XXXX XXXX They listened to the XXXX and removed the accounts but now Im seeing a collection for money owed to XXXX from a collection agency called CAINE & WEINER for {$700.00}. I owe XXXX nothing. If anything they owe me money but I have no funds to sue them! They have no proof that I owe anything and I have proof from the XXXX, and XXXX XXXX ( who they claimed I did fraud on ), that I did no fraud and owe XXXX XXXX nothing.
05/17/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NJ
  • 07018
Web
DEAR CAINE WEINER, According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. Account # XXXX Amount Owed : {$430.00} Original Creditor : XXXX Date Opened : XX/XX/2022
04/28/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TN
  • 38141
Web
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ... XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ... CAINE WEINER ( Original Creditor : 01 XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
12/03/2020 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • UT
  • 841XX
Web
There is no selection for this, so I selected a random item from the list. I will not allow this company to collect additional information from me, but am willing to pay the amount owed. I have never received any letter communication from them so I do not have the account number. They are refusing to provide me the account number without agreeing to comply with their collection policies, which I do not have to do. I have repeatedly stated I will confirm my identity ( and have ) by providing my name and address, but will not agree to their collection terms because I am tired of collection agencies using that as an excuse to send me marketing information, or collect information they do not need to allow me to make payment. I have recordings of their employees refusing to provide me my account information to make that payment.
05/06/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • WY
  • 824XX
Web
CAINE & WEINER at address ( XXXX XXXX XXXX, XXXX XXXX, CA XXXX ) has been sending me collection notices in the amount of ( {$300.00} ) the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. I would like the bureau to delete this account off my credit report and do not try to put it back on my credit report. In accordance with the Fair Credit Reporting Act, XXXX Account ( that goes by ) : CAINE & WEINER, and CAINE & WEINER COMPANY, and CAINE & WEINER COMPANY , INC. violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
08/22/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • UT
  • 84074
Web
The original company was XXXX XXXX. They submitted a collection to Caine Weiner ( I have never received anything from this company ) stating an amount was still owed, after they sent me a cancellation notice showing a XXXX balance, and effective the date I requested my policy be cancelled. I wasn't even due to renew the policy with them until two days after the cancellation. XXXX came back after the fact, with a cancellation notice, showing a balance of {$79.00}, and claimed it was various accumulated fees. I told them if I in fact owed such fees, why wasn't I charged with them at an earlier date, when they claim the fees were for. It did not make sense or sound right ( legal ), and I felt I did not owe a balance, and they should honor the cancellation notice that I was sent, immediately after my request to cancel the policy.
09/20/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • CA
  • 94541
Web
I recently received a Major Derogatory from Caine & Weiner on XX/XX/2021. This collection agency was collecting a debt account # XXXX from XXXX XXXX that was paid in full on XXXX XXXX policy XXXX. Confirmation Number : XXXX Payment Amount : {$140.00} Payment Date : XX/XX/2021 Payment Method : Card This collection agency never made contact via phone or mail. This debt was paid in full 3 weeks before negative credit report was made. The collection agency still shows a balance due and is not responding to updating debt, showing XXXX balance or removing negative credit report. Horrible customer service and providing misleading and false information on attempts to clear debt and false negative credit report. This is causing me damages both financial and mental suffering. They are not responding to my communication requests.
05/05/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • NJ
  • 08757
Web Older American
Received a call from XXXX " Caine & Weiner '' Sunday XXXX XXXX, XXXX demanding money in relation to XXXX accident I was involved in back in XXXX XXXX. I was fully insured at time of accident. This is the first notice that I received re debt. I immediately contacted XXXX XXXX ( my carrier at time of XXXX accident ). XXXX has made multiple attempts to contact collection co with no success. I mailed a debt validation demand letter to Caine & Weiner, I have not received a response. The alleged collection has now been reported to the major credit reporting agency and tarnished my good credit. Never have I received any information regarding this debt nor has my insurance carrier. My credit is tarnished, collection activities persist and Caine & Weiner will not provide information to me or XXXX insurance for a proper investigation.
11/16/2023 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • PA
  • 18702
Web
Be aware that this is a notice to Caine Weiner for the following alleged debt with account number : XXXX from progressive. As of right now I have requested that this company cease all communication as described in the Fair Debt Collection Practices Act ( FDCPA ). The FDCPA describes communication as " conveying of information regarding a debt directly or indirectly to any person through any medium '' and credit reporting is a medium of which this company is chossing to communicate with me. I did not get them written consent to do so. Pursuant to 15 U.S. Code 1692c this is a notice to cease all communication including credit reporting except that you may communicate with me under the stipulations of responding to a complaint from the consumer financial protection bureau ( cfpb ). If it does not stop I will seek litigation.
05/28/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TN
  • 38141
Web
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : 06 XXXX ) XXXX ... XXXX XXXX ( Original Creditor : 09 XXXX XXXX XXXX ) XXXX ... CAINE WEINER ( Original Creditor : 01 XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
05/29/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • TX
  • 787XX
Web
I communicated to Caine & Weiner via email on XX/XX/2021 that this account belonged to my ex-husband but was mistakenly reporting my credit report. The Team Lead at Caine & Weiner agreed to delete the account once paid as a courtesy deletion. I am not legally responsible for my ex-husband 's payment ; however, I agreed to pay the balance because it affected my credit report and was not very expensive. I submitted an XXXX dispute, and after the investigation, XXXX UPDATED the collection item instead of deleting it. I am including written correspondence from Caine & Weiner where they agreed to request that all three credit bureaus delete the item as a courtesy deletion. My complaint with XXXX is related to their investigation - now I have to wait an additional 30 days to have this information removed from my credit report.
12/10/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30349
Web
I declare under penalty of perjury ( under the laws of the united states. If executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 use 1621. This collection found within my credit report are not rolated to any transaction that I made. I am alleging that a person or company " without my authorization- used my personal identifying information to apply for goods, services, or money and was successful in creating some accounts. All is being investigated by the FTC
08/24/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • PA
  • 15001
Web
Caine and Wiener have NEVER SENT ANY CORRESPONDENCE TO MY HOME ADDRESS, this is NOT MY ACCOUNT, I have reached out to them on many occasions only to be told this is my account, THIS IS NOT MY ACCOUNT, AND I WANT IT REMOVED AND DELETED FROM MY CREDIT REPORT, I AM A VICTIM OF IDENTITY THEFT AND HAVE SENT THEM THE COPY OF THE FTC REPORT AS WELL WITH NO RESPONSE, I ALSO FILED A CHAPTER XXXX BANKRUPTCY IN XX/XX/XXXX AND IT WAS CONVERTED TO A CHAPTER XXXX ON XX/XX/XXXX WHICH I INCLUDED THIS ACCOUNT ( ONLY REASON I INCLUDED IT WAS BECAUSE THEY WERE AND STILL ARE REFUSING TO HAVE THIS DELETED FROM MY CREDIT FILE, PER MY ATTORNEY INCLUDE IT WITH THE BANKRUPTCY SINCE ALL INFORMATION I MYSELF, ATTORNEY AND TRUSTEE HAVE SUBMITTED TO CAINE AND WEINER WITH NO RESPONSE, I WANT THIS ACCOUNT TAKEN CARE OF AND DELETED FROM MY CREDIT FILE.
11/17/2022 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • OH
  • 45014
Web
Caine and Weiner reported a debt in the amount of {$250.00} on XX/XX/XXXX. No letter was ever sent to me regarding their ownership of the debt or who the original debtor was and my rights to dispute the letter. I called multiple times to retain information or dispute this account but they always lie and say they dont have any notes that I called or spoke with anyone. On XX/XX/XXXX when calling them in attempts to retain more information and possibly settle the debt, I was informed by a manager that it is illegal for them to remove a negative mark off any credit unless the amount is paid in full. This is a direct violation of the Fair Credit Report Act which does not state that it is illegal for credit agencies to delete a debt unless paid in full. If there is an error the collection agency must work to fix that error.
12/25/2019 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • OK
  • 74014
Web
On about XX/XX/2019, after living abroad for 9 years, I returned to the US to find an errant collection account from CAINE & WEINER on my XXXX and XXXX credit reports. After providing an Affidavit of Dispute to Caine & Weiner on XX/XX/2019 indicating that I do not owe money to the original creditor XXXX XXXX, they have failed to respond in any manner. My Affidavit of Dispute demanded that they validate the debt by delivery of a written contract bearing my signature among other methods. I also demanded they cease collection activities and remove their erroneous and damaging negative reporting to the collection agencies which is causing me financial harm. I understand that Cain & Wiener has violated 15 U.S.C. 1681 and 15 U.S.C. 1692 by failing to respond, failure to cease collection activities among other violations.
06/01/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 32277
Web
In XXXX of XXXX there is a discrepancy on my credit report. Back in XXXX of XXXX i noticed an inquiry on my credit report. It was from CAINE & WEINER. I have over 830 credit rating and pay all my bills on time. 4 months later they have added a delinquent status for progressive auto insurance which is literally impossible. I use ETF to pay my insurance bill. So whatever I owe is taking out automatically from my bank account. I switched from XXXX to XXXX insurance in XXXX of XXXX and obviously left my account in good standing. In my opnion, this company looks for people with great credit scores and then ding them with a bill assuming they will just pay to avoid the damage to their credit rating. It is literally impossible to owe a bill if you are paying it monthly with funds transfers direct from your bank account.
04/17/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • GA
  • 30096
Web
New information I sent a debt validation letter on XX/XX/22 the alleged debt amount is {$800.00}. I was never notified as a consumer that this debt was sold or transferred to a debt buyer/debt collection agency. This is a violation of my consumer rights per FCRA, XXXX. The notice that I received in reference to this alleged debt is not considered a validation. I also noticed on this form it shows a car that I never owned. Thats considered Fraud. I been disputing this account over a year and this is the first time receiving what they considered debt validation. Please see 15 USC 1681. Your company has violated my consumer rights.This account was deleted and put back on without notifying me as a consumer. Caine & Weiner letter dated XX/XX/22 which is also a violation.This is a violation and I will be seeking remedy.
03/28/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 75080
Web
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against CAINE & WEINER. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
11/02/2021 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • FL
  • 33030
Web
XXXX XXXX XXXX XXXX claims after non payment and charged me money to cover the non payment time. XXXX went as far as contacting Florida DMV to have my DL suspended costing me XXXX $ to get it reinstated. Then they sold this fraudulent debt to a collection agency who claims i owe 2 debts when in fact i had another Auto Insurance Company when i stopped payment and started new policy with infinite insurance company.. CaineweIne Collection agency after a dispute with one collection agency ( XXXX ) the collection was removed and Caineweine placed my fraudulent debt on the 2 remaining reporting agencies. I formally want to complain agains XXXX XXXX XXXX and Caineweine collection for fraud and unethical actions. As a result of this i have suffered increase in debt and finical hardships because of these 2 companies.
06/08/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Difficulty submitting a dispute or getting information about a dispute over the phone
  • AZ
  • 85032
Web Servicemember
On XX/XX/2023 I paid XXXX XXXX for XXXX insurance through cane and Wiener they have promised me for days upon and to email me a payment full letter and still have not completed it I've reached out to several several different people the last one speaking to a XXXX XXXX who redirected me to another website to see if I can go ahead and get the information for myself to no Avail since the accounts been paid to full I can't pull them up. They promised on the 1st day I did this I would receive the email and it now has been 4 business days. All they keep doing is giving me the run around they've already submitted the payments to XXXX as they show a XXXX balance. They keep lying to me and misdirected me I need to have these letters to show XXXX for it's very important. This is not the way business should be conducted.
07/08/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Problem with a company's investigation into an existing issue
  • Problem with personal statement of dispute
  • OH
  • 45239
Web
Cain & Weiner sent me a letter full of FCDA and FCRA violations after I sent them a cease and desist letter and affidavit telling them to remove all things off of my credit report. They caused defamation of my character, destroyed my reputation by submitting data on my consumer report without my consent which they stated in there letter. And stated they were attempting to collect a debt even after they deleted there reports. They admitted to there wrong doing and agreed they were in the wrong to all forms I submitted to there company. And it caused me to miss out on a lot of opportunities such as car loans, house opportunities etc. due to there mistakes. I am seeking Remedy of XXXX per violation with a total of XXXX and XXXX for assessed damages of emotional stress, defamation of character and unseen injuries.
12/03/2018 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 92804
Web
From my XXXX XXXX profile I saw that I had an outstanding debt for a company by the name of Caine & Weiner in the amount of {$350.00}. I sent them a request for debt validation letter on XX/XX/2018, it was delivered via XXXX on XX/XX/2018. Caine & Weiner failed to respond to my request for information within 30 days therefore I assumed the debt was not valid. I sent them a request to have the item removed from my credit report on XX/XX/2018. Caine & Weiner instead sent me a bill with non of the information previously requested in my debt validation letter and they have not sent me anthing stating that they will be removing this item from my credit. The debt collector did not comply with FDCPA 15 USC 1692g Sec. 809 ( b ), instead they keep harassing me with bills for a debt that has not been proven to be mine.
02/23/2018 Yes
  • Debt collection
  • Auto debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • VA
  • 24012
Web
I got a call on XX/XX/XXXX about a debt with a collection agency for XXXX XXXX that I had not even received a final bill with after filing a billing dispute in XX/XX/XXXX over the amount when canceling my insurance. I told the guy witn the collection agency I hadn't even gotten a corrected bill which by law they have 60 days to send me and I have to pay The guy at the collection agency said they mailed me a final bill XX/XX/XXXX. And I said but you are calling me XX/XX/XXXX not even 30 days after a final bill was mailed that I never received. XXXX never mailed the bill. I said I dispute this. He said well it's accurate and if you don't pay today we will damage your credit and the whole nine yards. I told him I'm calling XXXX. What you are doing is against the law. He said it's not we can do whatever we want.
10/25/2023 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • GA
  • 30240
Web
On XX/XX/23 I sent a dispute letter ( one of many for this account ) to XXXX and one to XXXX on XX/XX/23 for for the Caine Weiner account that continues to report on my credit report. XXXX has already removed this account, and I understand when one credit bureau removes an account, others must follow suit. So not only did Caine & Weiner NEVER validate this account as I requested, they also are sending me letters with offer to pay while the account is in dispute, which I know is a violation of the Fair Debt Collection Practices Act. Furthermore, Their offer is dated XX/XX/23. I understand under FDCPA guidelines, you can not send someone a letter to collect on a debt while the debt is in dispute and has not been validated. I ask that you please remove this account from my credit report due to FDCPA violation.
06/17/2023 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • NJ
  • 08401
Web
This company is claiming to be collecting a debt for XXXX XXXX XXXX, once I spoke to an agent and requested a verification of the debt with my physical signatures and proof the debt was in fact my responsibility I was told I had to call XXXX for that, I then requested proof and written verification of ownership of the debt and a contract that this company had to collect on the debt they claimed was owed, again I was told they did not own the debt and that they were only collecting on behalf of XXXX. As of XX/XX/23 this company was only capable of sending a last bill that was processed by XXXX per the FCRA they have failed to provide the requested information to validate the amount claimed to be owed and there for have been reporting inaccurate information to the 3 credit bureau 's and damaging my credit.
03/16/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 754XX
Web
The criminals at CAine and Weiner are using harrassment tactics and call several times a day on a private # when the " debt '' in question was that of an LLC not ANY individual. At no time did I sign an individual gurantee for the initial chargeback for a venue rental when the customer actually used our facility, damaged our property then filed a chargeback. There are several legal issues here .... where your agency has been contacted to stop ANY collection effort on me personally for an LLC debt that was not valid in the first place. The atty general in TX is filing suit against these criminals for numerous other illegal tactics as well. The Q is where is the federal help us tax payers need when these mafioso companies attempt to harrass, intimidate and threaten consumers? Are you going to take action???
07/29/2022 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • NJ
  • 08096
Web
I called and made a payment arrangement, and I made the first payment and I asked for proof of the payment arrangement so I can provide this to the NJ banking and insurance, and I was told they don't give out any documentation stating I'm in a payment arrangement. I've emailed and I've called and left request for a call back from the XXXX. No one got back to me, and no one is responding to my emails. I have another payment coming up and I feel like this is fraudulent behavior. The banking and insurance representative is stating I must provide proof not just that I made a payment and it's deducted from my account I also called the creditor ( XXXX ) and they stated they should comply with my response and not just take my payment. I did not even ask for a settlement. Please see my plead for assistance
01/13/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • CA
  • 90220
Web
I have a collection agency by the name of Caine & Weiner trying to collect a debt of {$100.00}. This debt is from a company name XXXX that I charged a fee for their dating service on my XXXX XXXX card. The amount they have in collection is not the amount I paid for the service. After several attempts of trying to reach out to XXXX regarding problems with the service they were providing I contacted XXXX XXXX. During and after the time I signed up with XXXX I was unable to get in touch with them nor did they respond to my emails. XXXX XXXX reached out to them as well and they did not respond. After XXXX XXXX investigated the charges they found cause to credit my account and not render payment to XXXX. Currently, XXXX XXXX XXXX is trying to collect the amount that XXXX XXXX credited me on my credit card.
09/01/2021 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 77489
Web
I have been disputing this account with the credit bureaus for sometime now. Each time they would say that CAINE & WEINER would verify the debt. So I took it upon myself to ask CAINE & WEINER for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/2021. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
04/26/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • MD
  • 21234
Web Servicemember
In XX/XX/XXXX I filed XXXX bankruptcy. My bankruptcy was discharged in XX/XX/XXXX. From XXXX to XX/XX/XXXX I have been receiving emails from a Caine and Weiner representative named XXXX XXXX offering me to settle a debt from Progressive Insurance. I thought I may have missed the opportunity to include it on my bankruptcy so on XXXX I paid the XXXX to Caine and Weiner via XXXX a link that was included in the email. After my payment, I went back and looked at my petition and noticed Caine and Weiner had in fact been included and the debt had been discharged as of XXXX I immediately called Caine and Winer and have since been given the run around. Today, for the third time. I spoke to a " manager '' named XXXX XXXX. He informed me Caine and Weiner would not be issuing me a refund. No reason was given.
06/16/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • LA
  • 703XX
Web
My SS # was used ( though it is frozen ) to personally guarantee a credit purchase from XXXX XXXX XXXX XXXX. There were odd addresses and phone # s on the application. I was unaware of this till a collection company, Caine & Weiner, turned this into the credit bureau against me. I spoke to a Caine & Weiner agent, who thus far has been very helpful. I called the original creditor to speak with the salesman whose name appears on the application. I was told he was on the other line and will call me back. 5 min later I recieve a return call in which the person states he no longer works there ( very strange ), I was then placed on hold for a long time. Spoke to noone else. Now back with the Caine & Weiner agent, she said to fill out the FTC Report and get it back to her to start the dispute with them.
02/28/2020 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Frequent or repeated calls
  • CA
  • 94952
Web
The debt collector, Caine and Weiner ( https : //www.caine-weiner.com/ ) has continuously made telephone calls from proxy phone numbers to my phone as early as XXXX and as late as XXXX at night. I have receive phone calls on the following dates and times over the last week alone, and have repeatedly asked them to not call me regarding this matter : XX/XX/20 - XXXX XX/XX/20 - XXXX XX/XX/20 - XXXX XX/XX/20 - XXXX XX/XX/20 - XXXX XX/XX/20 - XXXX XX/XX/20 - XXXX XX/XX/20 - XXXX XX/XX/20 - XXXX XX/XX/20 - XXXX XX/XX/20 - XXXX XX/XX/20 - XXXX XX/XX/20 - XXXX XX/XX/20 - XXXX XX/XX/20 - XXXX XX/XX/20 - XXXX The frequency and number of calls is staggering and annoying in every sense. Calling to collect a debt as little as ten minutes apart is interfering with my work and my ability to function at my job.
08/28/2023 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • GA
  • 30904
Web
Caine & Weiner sent me a debt collection notice for " XXXX XXXX XXXX XXXX ''. To my knowledge, I have never transacted business with XXXX 's. When I contacted Caine & Weiner to inquire about the alleged debt, they could not provide me with any information about the debt, nor could they provide me with information about how to contact XXXX 's. The representative told me I could " look them up online ''. Frighteningly, they knew at least the last four digits of my social, and they knew my birthdate. When I finally found a way to contact XXXX 's, they had already received numerous calls about this debt-collection company ( Caine & Weiner XXXX XXXX but they did not have any information on any debt I might owe them. I believe Caine & Weiner is fraudulently trying to collect a debt I do not owe.
09/15/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • IL
  • 60124
Web Servicemember
On XX/XX/XXXX as I monitored my XXXX credit report I notice a collection from Caine Weiner that I am not repsonsible for. I believe I am a victim of Idenity Theft. I have sent request to XXXX XXXX and XXXX and have not recieved updated information. Below is documention of the transaction CAINE WEINER Original creditor : XXXX XXXX Balance details 10 % of this account is paid off Balance {$350.00} Balance updated XX/XX/XXXX Original balance {$390.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Open account Status - Status updated XX/XX/XXXX Payment summary No payments have been reported on this account. Comments Account information disputed by consumer Your statement - Contact info Name CAINE & WEINER Address XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone number ( XXXX ) XXXX
04/03/2018 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 32901
Web
Hello, Well, to be quite honest. This isn't the first false debt collection claim. I'd like to report to you this is a false claim I just noticed recently on my XXXX XXXX profile. I have never dealt with XXXX XXXX my entire life. And I have been outside the US since early XX/XX/XXXX. I've noticed why such false collections been happening lately ; which is due to matching name ( sometimes exactly the same first and last name ; XXXX is a very popular last name ; XXXX XXXX ). I personally have friends who have the same name and also one I was a roommate back in XX/XX/XXXX-XX/XX/XXXX ( But his first name is XXXX ) I'd like Caine & Weiner Company to take the time to double check this issue and, if necessary track full details of this " XXXX XXXX ''. Please know that I have a unique SSN, and DOB.
06/01/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • MS
  • 396XX
Web Servicemember
On or about XXXX of 2018, I opened an account for a auto insurance policy. 1. Records will show that I paid the full amount for the down-payment. 2. Thereafter, a number of the consecutive monthly were successfully submitted via a auto-payment from my bank. 3. The monthly payments at that time were approximately {$210.00} per month, during the initial term. 4. When the insurance policy renewed at the end of the first term, it was increased, without my written consent, to more than {$1000.00} per month. 5. There isn't any document which can be produced by the company that will show that I approved this egregious increase. 6. I have disputed this fraudulent claim for many years now, to no avail. 7. I ask that CFPB provide me with some assistance to remove this from my credit reports.
05/19/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Communication tactics
  • Called outside of 8am-9pm
  • AL
  • 350XX
Web
On XXXX/XXXX/16 XXXX XXXX called me @ XXXX stating that I owe money to a company called XXXX . I asked him what was his time & he said XXXX & that it 's a commercial account he can call me anytime he wants ... After I asked him for the information again as to who he really was & the debt information then he got aggressive & hostile in his voice & told me that I 've asked him that twice but am I going to pay the debt. I told him how can I pay a debt if I did n't know who he was or what the call was about ... My belief is once he realized that I knew he was not practicing the correct debt practice laws by calling me before XXXX he froze up but was still being a rude debt collector even after the fact ... I, not XXXX eventually hung up the phone & I proceeded to contact CFPB to report the issue
11/02/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • OR
  • 97229
Web Servicemember
In accordance with the Fair Credit Reporting FRIST Premier has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other then records of convictions of crimes which antedates the report by more then seven years. 15 U.S.C. 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
12/21/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • PA
  • 191XX
Web
My name is done XXXX XXXX. I never had a XXXX account. XXXX sold this account to Cain and Weiner without my permissiom. I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct a full investigation and provide me with the documents showing where these accounts originate. Please provide documented proof that I am the owner. Lastly please remove the following collection accounts and negative information from my credit reporting profile : These accounts are not mine. My credit report was accessed under false pretenses which is identity theft. I will be filing consumer complaints so that these companies are fined for the vicious and malicious practices. I will sue if necessary CAINE AND WEINER IS NOT LICENSED IN MY STATE
08/03/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • CA
  • 90804
Web
privacy and confidentiality under 15 USC 1681.XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
10/06/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • AL
  • 35405
Web
I received information from you attempting to collect the above-listed alleged debt. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.
04/28/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • NJ
  • 07871
Web
I check my credit report wee kly. Caine and Weiner just appeared on XXXX , XXXX , XXXX as a collection account associated with XXXX in the amount of {$390.00}. I NEVER recieved a letter, call or any correspondence stating that I owed this amount to XXXX . In fact, never heard from XXXX that I owed this amount. We are or were now, about to close on our dream home and now because of this financial injury and defa mation Caine and Weiner caused by their illegal practices we lost our families dream home ( we have XXXX boys ). They violated my rights. I would of been more than happy to pay this if i in fact owed it. I was never given a chance to research or pay it. This is a straight violation of FDCP and I will exercise my rights and sue for such damages they have caused.
05/31/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • NY
  • 10552
Web Servicemember
The company is reporting on acct which has never belonged to me! They want me to lie and state it is fraudulent when I have no proof that this is not simply their error! I am XXXX as they have been told they are attempting to scare me to pay a bill that is not mine! The amount is minuscule but wrong {$670.00}. This has caused me to be defamed, ruined my credit score and more! They have been rude, lied to me and Hostile! Caine and Werner states they are a collection agency and do not own the debt! I have requested proof of ownership for them to collect, proof of ids used to open acct, proof of all file contents and more! They would be giving me someone else private info but I have t Old then they are wrong and its not mine! So I need to see all to take to court if they do not delete!
09/15/2021 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 77035
Web
I have been disputing this account with the credit bureaus for sometime now. Each time they would say that CAINE & WEINER would verify the debt. So I took it upon myself to ask CAINE & WEINER for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
04/17/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • NY
  • 129XX
Web
Contacted XXXX XXXX XXXX on XX/XX/2017 they told me I owed {$290.00} and told me that the other amount I had in their office for the amount of {$85.00} was paid in full. I the company then called me back another representative saying I owe {$85.00} and I told them I just talked to a representative on the phone telling me that it was paid in full and it is illegal for them to classify false information to me I spoke to a manager on the phone that was cussing at me and being very rude. I then told the manager that it is illegal for them to cuss at me over the phone and I asked to speak to his supervisor and he said that he is the only one in the office and that there was not any other managers on duty. The manager then kept cussing at me then disconnected the call on me over the phone
05/12/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NJ
  • 08028
Web
I have a debt that is showing on XXXX and XXXX and it has been mailed to my forwarding address. I have never done business with XXXX XXXX XXXX, I contacted them they stated I needed to file a police report and make a complaint. I wanted to make my complaint to you because I only recieved mailed at that address for 1 month I had recently become a guest to America. I have proof and will be filing the police report with the 3 bureaus. XXXX XXXX XXXX XXXX. New jersey needs to be removed was a address issued to send paperwork never ordered Bill 's there XXXX XXXX XXXX never done business with them either Caine & wiener I cancelled my policy with the insurance and they still charge me when I left the company I didn't even use their services a month XXXX XXXX not my numbers inaccurate
07/08/2020 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • TN
  • 37388
Web
XXXX sold the same debt to two different companies. 1. Caine and Weiner- acct XXXX, settled on XX/XX/XXXX paid in full on that date, confirmation number XXXX, This is still reported as owed as of XX/XX/XXXX. I reported this to the company twice and was told that even though this was settled in full, the credit burea should have been reported to but was not. Noone was helpful and this is still showing on my credit as owing the full amount. 2. XXXX XXXX XXXX This is a duplicate but is still showing on my credit. Neither company has stopped reporting to my credit bureau. From speaking to Caine and Weiner, they posted to account number XXXX, which is not my account but the account of someone with this same name as me. I just want these taken off of my credit report immediately.
04/14/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NJ
  • 08360
Web
I had my identity as well as fraud on my checking and credit card accounts. I had reported the fraud and actually contacted the merchant and asked them to please close the account as it is not me that is using the account. All of which I have proof of. I thought it was done and the same business is now trying to get me to pay back the fraud charges that were not mine. I have been contacted by Caine and Weiner debt collector a lady named XXXX who will not respond to me and my requests and t have a supervisor reach out to me, According to the banks as there were 2 involved and the credit card companies the case is closed and I have submitted the proof that it was not me and that I am being harassed and Caine and Weiner will not close the case but has no reason to keep it opened.
08/03/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MA
  • 02302
Web
hello, and how are you? There is no way that these companies investigated this insurance or utility collection on my credit report. The same information continues to report on my credit. I honestly don't believe I owed this or original company any money and I don't agree with the total balance that they are reporting on my credit. It continues to report several inaccuracies among the 3 credit reporting agencies from the last original company. How is that possible? For example, Each bureau reports that I was late on different dates, each bureau reports different balance, inconsistent with open dates. I thought a collection account is by default late or past due and it can not be reported as such. It's actually illegally re-aging the account and that's a simple violation itself.
06/22/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33069
Web
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Caine & Weiner XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX RE : Ref # XXXX To Whom It May Concern : Pursuant to my rights under the Fair Debt Collections Practices Act ( FDCPA ) and other state and federal debt collection laws, I hereby request that you cease and desist and communication with me, as well as my family and friends, in relation to any and all alleged debts that you claim I owe. You are notified that if you do not comply with this request, I will immediately file complaints with appropriate state and federal regulatory bodies, including but not limited to, attorneys general, the Federal Trade Commission, and the Consumer Financial Protection Bureau. Civil and criminal claims will be pursued. Sincerely, XXXX XXXX XXXX.
07/08/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • PA
  • 19038
Web
Debt collection agency sent debt that does not belong to me to credit bureau. Contacted collection agency, and they were uncooperative and not willing to help. All information sent to them does not match my identity at all. I verified my identity to all parties involved and it was confirmed I was the wrong individual. I made numerous attempts and made numerous suggestions to the collection agency to help them rectify the situation and they were very combative towards me, including the office manager, who was not willing to help. I have made 4-5 calls to their office and have been given the run around about the process and how the situation can be handled. They tell me to call someone else, and that they can not help me. Please let me know if more information is needed.
05/16/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • CA
  • 94501
Web
To whom this may concern, On XX/XX/2023 I received an email from an employee at Caine & Weiner notifying me of my debt with XXXX XXXX XXXX XXXX of XXXX dollars ( included in attachment ). As such I decided to settle my debt directly to XXXX on XX/XX/2023. On XX/XX/2023 I replied to Caine & Wainer 's email notifying the employee that I settled the debt directly with XXXX. On XX/XX/XXXX I received a letter in the mail from Cainer & Weiner written by another employee that I still owe XXXX dollars and that the creditor is XXXX XXXX XXXX XXXX ( included in the attachment ). I have notified XXXX 's XXXX branch Caine & Weiner just contacted me again. I also notified the two employees from Caine & Weiner that I settle the debt directly with XXXX ( included in the attachment ).
10/07/2022 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • FL
  • 33860
Web
Caine & Weiner XXXX XXXX XXXX XXXX XXXX, Ca I find that my consumer file is being irresponsibly tampered with. Over the past " *however long** I have made several attempts to remind you of your duty pursuant 15 USC 1681 XXXX It appears you're intentionally and willfully being neglectful in remedying my affairs. 15 USC 168fe ( b ) assures that I am due, promised accuracy in my report based on federal law, I am making this call as another attempt to havr these errors corrected on my consumer report. 15 USC 1681 ( A.5 ) says that after the reinvestigations .... all of the unverified information must promptly be removed. You can seghare your system that this account was previously disputed without being thoroughly investigated thus I know that can not be verified or validated.
07/14/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TN
  • 38141
Web
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXXCAINE WEINER ( Original Creditor : XXXX XXXX ) XXXX ... XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
05/27/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CO
  • 80516
Web
Starting in XX/XX/XXXX we started to receive emails from a XXXX account stating we had a past due balance. I was able to check our account and I could not find anything past due so I figured this was a phishing scam. We continued to receive emails from this email account ( XXXX & XX/XX/XXXX ). XX/XX/XXXX we received a collections letter from XXXX. At this point I contacted XXXX to insure this was not an actual bill. Case # XXXX was created by XXXX and XXXX ( support ambassador for XXXX ) was able to confirm that this was not an actual bill from XXXX that they are trying to collect. We reported this scam to the FTC XX/XX/XXXX. Yesterday ( XX/XX/XXXX ) I received a new email from Caine-Weiner trying to collect this bill. All documents have been added for reference.
03/11/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Credit monitoring or identity theft protection services
  • Didn't receive services that were advertised
  • TX
  • 76179
Web
At the time, I paid the current insurance policy to XXXX ( Caine Weiner ) in full to date. There should have never been any credit reporting for unpaid bill on my account. The company reported that I opened the account XX/XX/XXXX, the reporting was for XX/XX/XXXX. I have proof that I was in contract with an alternate insurance company the date Caine Weiner claim I opened the account ( Please see attached document ). Reporting on the account is false. I have a receipt for the services of Caine Weiner ( XXXX ) paid in full. The company is attempting to force me to pay for services not rendered. Please see attached documentation. Please remove account from my credit reports as it is adversely affecting my scores and it is proven to be false with attached documentation.
08/30/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • CA
  • 93552
Web
XXXX XXXX accounting department is the problem. I paid the supposedly balance of {$600.00}. I have the canceled checks. 1. XXXX charged for two XXXX surgeries when they could have did both XXXX at once. I paid {$600.00} for the original XXXX. Some months later I get a bill for another {$600.00} for the second XXXX. I made payments of {$50.00} per month. I noticed on statements the amounts never changed. I wrote and called and asked for updated statements. I never received any updated statements. Once I paid the {$600.00} I stopped sending payments. Some months later I got calls from collection agency. I told the collection agent I was n't going to pay because I had already paid and talk to XXXX XXXX Dates of XXXX XXXX XXXX XX/XX/XXXX Date of XXXX XXXX XXXX XX/XX/XXXX
03/19/2023 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 33617
Web
To Whom It May Concern, I dispute your claim and request your validation under the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). Provide a breakdown of fees, including how you calculated what you claim I owe. Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. Cease any credit bureau reporting until the debt has been validated by me asrequired under the FCRA. Send me proof that you are licensed to collect debt in my state. Send this information to my email and accept this complaint as my formal debt validation request, which I am allowed under the FDCPA. I will await your reply with the above-requested proof. Upon receiving it, I will correspond back with you. Sincerely, XXXX XXXX
09/29/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • WI
  • 53188
Web
I have never had a contract or done business with Caine & Weiner but through XXXX XXXX I recently viewed my credit reports, and they have an account listed as collection of {$120.00}. It states the collections is from XXXX XXXX which I have not had a policy with in many years. That auto policy was canceled by myself due to finding a cheaper rate with another agency, after the balance was paid. I have requested a dispute with XXXX, XXXX and XXXX. Ive also requested a complete debt validation from Caine & Weiner, but have not received a response. However, their last negative reporting on my credit report was XX/XX/2021 but the collections account still REMAINS on my credit report. It seems this is a FCRA violation and I am seeking legal assistance to resolve this matter.
08/03/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • MN
  • 560XX
Web
These accounts and inquiries are not mine they was made without my permission, or consent, inquiries, Caine Weiner Compa Reported : XX/XX/2023. All the above accounts and inquiry is and are fraudulent and according to The Court FCRA these accounts violated my rights in many ways these accounts is pass the statutory limit what the law required under statute 15 USC 1681 B, 15 USC 1681u 1681 section 602 Alpha which states I have a right to privacy, 15 USC 1681 604 Alpha Section 2 which states a consumer reporting agency can not furnish a account without my written instructions or consent, 15 USC 1666 Bravo which states a creditor may not treat a payment on a consumer credit card plan as a late payment for any reason the inquieres must be removed immediately thank you.
05/07/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • XXXXX
Web
Caine and Weiner who supposedly is representing XXXX is stating that I owe them {$270.00}. I do not owe XXXX or Caine and Weiner {$270.00}. Caine and Weiner has failed to produce the date and account number associated with this bill. I have disputed this bill 4 times in writing and online. A letter was sent to Caine and Weiner about a year ago asking them to cease and desist, but they continue to hurt my score. Now there is something new on my account for XX/XX/XXXX. Dates I disputed this bill by letter and/or online : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX While applying for a credit card on Saturday, XX/XX/XXXX, I asked how to build my credit. I was told that the dispute was on my credit and it was also affecting my score. How do I rectify this?
08/27/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33803
Web
As per the FCRA, I am entitled to a True and correct credit report, something I havent had for years since the Credit Bureaus have Repeatedly Failed to Correct the items or simply have not responded at all. I am becoming more and more disadvantaged as a XXXX person due to this. I have been deprived the opportunity to fully utilize or benefit from my true credit. Which is Unfair to me. They are billing me for insurance from a company I requested a quote from, quote wasnt competitive and I stayed with my existing Insurance Company. Not sure how this company has come to collection on my credit. I wasnt notified by mail prior to the item entering my credit report. Company Fails to Remedy the Account and Continues Collection Efforts when the Account is not valid
04/19/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 75070
Web
Hello, I am filing a complaint against all 3 credit bureaus ( XXXX, XXXX and XXXX ) They are reporting multiple collections that are not mine ranging from {$240.00} all the way too {$4000.00}. I have sent letters to both the collection agencies and to the credit bureaus explaining to them that Ive never signed a contract with them to do any kind of business. They are fraudulently reporting inaccurate information. I am demanding that these items are removed. XX/XX/2023 I sent certified letters off, asking the collection agencies to please document that the items are in dispute. I also sent certified letters to all 3 bureaus asking them the same thing. Nothing has occurred and they continue to report fraudulently every month. There are several laws being broken.
03/15/2023 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • OH
  • 44052
Web
I contacted the company on XX/XX/2023 regarding an alleged debt which has been furnished to XXXX XXXX, XXXX, and XXXX, that is damaging my credit worthiness, general character, and reputation. I never gave any expressed written consent to the company to obtain, compile, store, share, or distribute my personal private information. I contacted the company and spoke with XXXX in Texas to resolve the matter ; and during the conversation she used obscene and profane language to abuse me. I mentioned that I sent a notice and demand for Debt Validation pursuant to Fair Debt Collections Practices Act and she admitted that it was received in Mid XXXX. Unfortunately, I have not received any correspondence by US Mail. The company is in default and has failed to respond.
04/06/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • CA
  • 950XX
Web Older American
Regarding a letter dated XXXX XXXX, 2015 with the notation of C & W account # XXXX. Because I do not believe I owe what you say I owe I am requesting complete validation of this alleged debt as noted on the collection notice with account number XXXX. Furthermore, this is the first I have heard from you or anyone regarding this alleged matter. Therefore in accordance with the Fair Debt Collection Practices Act, I require all documentation regarding this alleged debt. Including all documents showing an agreement to pay, how interest was calculated, documents bearing my signature, an accounting of payments made, and proof that I have a obligation to pay XXXX XXXX XXXX. If this debt was purchased, I require full documentation of the purchase of this alleged debt.
02/27/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • IN
  • 477XX
Web
This will serve as a notice to cease all communication through all mediums including my credit report pursuant to 15 U.S. Code 1692c i as the consumer do not validate this alleged debt and is refusing to pay this debt until you can provide e documentary evidence. I have never done business with your company and have no legal obligation to pay you for any services. I demand that you cease all communications. Unless you can provide any documentary evidence pursuant to 15 U.S Code 44 with all books of account, tax documents, and the ORIGIANAL contract with my wet signature in blue ink i am demanding you delete this account from my credit report or i will have no other choice to file a complaint with my attorney general within 3 days of receipt of this notice.
06/19/2021 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 77082
Web
Caine Weiner has failed to provide lawful validation of this alleged debt, they have failed to provide their method of verification of this alleged debt, they failed to update this account to have been under dispute in the past and are reporting inaccurate information associated with this account like open account on my consumer reports. Each of these are blatant violations of federal law actively being committed. I am engaging the CFPB to aid me in the enforcement of my protected rights under the Fair Credit Reporting Act and Fair Debt Collection Practices Act. I will be enforcing my rights to obtain remedy for all damages caused by this company. Pursuant 15 USC 1692k and 15 USC 1681o there is no limit on monetary relief I can relief for all proved damages.
04/13/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • TX
  • 78840
Web
under 15 USC 1681 the credit bureaus are filing incorrect I am trying to buy a house and its defamation to my character and livelihood. XXXX XXXX XXXX XX/XX/XXXX is identity theft it even has another name XXXX XXXX a male XXXX XXXX XXXX XX/XX/XXXX Caine Weiner XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX mulitple inquires from car dealers that I have not even requested and I have even hired XXXX XXXX XXXX to assist and it is still damaging my credit XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX of XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX
08/01/2022 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • TX
  • 77583
Web Servicemember
I had a set payment and every month they went up {$40.00} on my payment so I had to switch to a cheaper company in other to drive and take care of my family I called them to get my 6 month history I had with them and they never gave it to me now that this is on my credit report it's stop me from getting cheaper insurance and it's affecting my life because they kept adding more money than was agreed. the call me saying they going to sue me for the debt. XXXX told me he was going to kick my door in I got the insurance XX/XX/21 after that I had to find cheaper insurance ended policy XX/XX/21. XXXX sold this account and XXXX is threating my life. {$750.00} for insurance a month not right please help take a look at this problem Please I don't own them anything
06/15/2023 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • TX
  • 77433
Web
Caine & Weiner has reported a collection account to my consumer credit file. I do not owe this alleged debt.Caine & Weiner HAS NEVER SENT any notice of collection to me ever. This is a strong violation of the FDCPA. If Caine & Weiner has the right to collect this debt in accordance with the FDCPA I am asking for validation of this account. This includes ALL CONTRACTUALDOCUMENTS stating and proving that I am responsiblefor this account that I agreed to and authorized the alleged debt in question in which Caine & Weiner has reported to my consumer credit file. Caine & Weiner has no legal right to attempt to collect a debt as this does not belong to me. Again Caine & Weiner has not validated this debt nor sent me any notice of collection fordebt validation.
07/11/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • TX
  • 75070
Web
This is my second attempt in trying to get this inaccurate information removed from my credit. It was removed in XXXX of 2023 then it was placed back on my credit, which is illegal. Ive never done business with Caine & Weiner and they have yet to prove that Ive signed any documents or went into a legal contract with them. They are reporting an account as open on my credit and it should not be. They are claiming I owe {$430.00}, I requested documentation from Caine & Weiner stating that Ive indeed done business with them and they sent paperwork that didnt have their name anywhere on it. My first complaint was XX/XX/XXXX and they just placed it back on my credit illegally XX/XX/2023. I need this inaccurate mark removed from my credit expeditiously please.
11/16/2022 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • DE
  • 19802
Web
First the charge has been disputed several times on credit karma in the last XXXX months so I became serious about fixing my credit so I called XXXX who the alleged original debt was with the information they had on file did not match my personal information and I asked for them to remove it. Nothing was done the last time speaking with them was XXXX XXXX, 2022. Now they have sold my information to a collections agency for about a year now and my ignorance to the law prior have just ignored them so I started to notice they were the XXXX reporting to the credit bureaus and Ive contacted them via mail XXXX XXXX2022 no response. Ive since then sent in the violations of my rights requesting compensation before I sue or move forward in reporting to you guys.
05/14/2022 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Impersonated attorney, law enforcement, or government official
  • MO
  • 631XX
Web
Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4. I have not supplied proof under the doctoring of the estoppel by silence. Engelhardt v. Graves ( mo ) XXXX XXXX XXXX, XXXX, I presume that no proof of the alleged debt, nor therefore any such debt in fact exists. I have NO CONTRACT for goods and services with this company. I have not supplied proof under the doctoring of the estoppel by silence. Engelhardt v. Graves ( mo ) XXXX XXXX XXXX, XXXX, I presume that no proof of the alleged debt, nor therefore any such debt in fact exists. This is a violation of the FCRA according to 15 U.S.C. 16921692P
07/05/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • SC
  • 29210
Web
XXXX XXXX XXXX keep sending me collection for past car insurance that I paid in XXXX. I want to purchase a home but this charge keep coming up. They sent me a listing of all my payments and I showed where I paid double. I left XXXX XXXX because of their tactics and I have been disputing this charge every since. Against my better judgment I paid again because I was trying to purchase a home. Caine and weiner sent a settlement letter dated XX/XX/XXXX. I paid {$350.00} by XX/XX/XXXX per the settlement letter. Confirmation # XXXX Acct # XXXX. I called back. I was told I now have a remaining balance. I asked for charge to reflect paid on credit report. Nothing. I am now seeking assistance as this agency is not being fair. Help me get this resolved.
07/12/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • PA
  • 15001
Web
Credit inquiries XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, all XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX These are all inquires listed on my XXXX, XXXX and XXXX reports..i have contacted all the companies on numerous occasions also I have contacted all 3 credit bureaus, they are still listed. Listed below are accounts showing on my reports that SHOULD NOT BE LISTED XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, Caine and weiner
05/04/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • FL
  • 33543
Web
While checking my credit reports, I noticed an account that was resolved with a creditor ( XXXX ), is reporting a balance that should not have been sent to collections. A XXXX agent stated that in order for me to renew my insurance I needed to pay a balance that was owed to them. Which I did. They also told me that the balance will not report to the credit reporting agencies and it has. Caine & Weiner should not be reporting a debt that was paid, and closed, as collections on my credit report. It is being reported as such to all three credit bureaus. As of XX/XX/2023, Caine & Weiner is still reporting this account in the amount of {$460.00} as collections. How is this a collections account when the debt has been paid and the account is closed?
05/03/2023 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 91367
Web
Requested validation of debt. I am requesting that a statement that the communication is from a debt collector, your name and mailing information, along with the name and mailing information of the debt collector, the name of the creditor whom states I owe the debt to the account number associated with the debt, an itemization of the current amount of the debt that reflects interest, fees, payments, and credits since a particular date, the current amount of the debt when the notice is provided, Information I can use to reply to the debt collector, such as if you believe the debt is not yours or if the amount is wrong. Also I would like to see a contract between you and the creditor stating that you have a right to collect this reported debt.
06/19/2023 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • FL
  • XXXXX
Web
On XXXX I was contacted by Caine and Weiner, XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX, also with an address of XXXX XXXX XXXX, XXXX XXXX, CA XXXX, sent me a notice that they are attempting to collect a debt on behalf of XXXX XXXX in the amount of {$420.00} with reference number XXXX. I wrote to them on XX/XX/XXXX and again on XX/XX/XXXX, requesting any viable evidence, bearing my signature, for the account they allege is mine. They responded to both requests, with only an amount that I supposedly owe to XXXX XXXX. They have reported this collection to the major credit bureaus, and it has affected my credit. I have given them ample time to respond with any evidence this account belongs to me, and they have failed to produce such evidence.
10/04/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • MD
  • 21009
Web
Recently, I did an investigation on my report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure it was reporting 100 % correct. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my cred it report and Under 15 U.S Code 6181e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. The credit reporting agencies stated that these account were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report. As a consumer, I request to know the steps your agency took to insure these items were 100 % accurate
11/26/2018 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • FL
  • XXXXX
Web
I went to buy a car and was told by the dealer i had been denied a loan because i had 2 collection accounts on my credit report. I obtained the credit reports and it said I owe {$190.00} to Caine & weiner co and originated with XXXX XXXX. Everyone who has owned a car knows you can not run a bill with insurance. If you do not pay by your due date your policy is cancelled and if you have an accident and attempt to make a claim it will be denied. So the premise under which i supposedly owe this debt is entirely fraudulent. I believe XXXX XXXX has committed fraud by selling this fraudulent debt to Caine & Weiner Co which is attempting to collect it from me. This fraudulent debt has caused my credit rating to go down by as much as 200 points.
05/25/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • TX
  • 77007
Web
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
08/19/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • MI
  • 48203
Web
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
01/10/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Was not notified of investigation status or results
  • GA
  • 30310
Web
I have experienced ongoing issues with removing unknown accounts on my credit report. I have sent in multiple dispute letters and have yet to receive anything. I sent off an original dispute letter asking for them to send over certain documents that requested them to send my original contract with my signature attached. I never heard anything back. I then sent off a 30 Day Demand of Comply letter after waiting 45 days. To this day, I still have not received anything. Under FCRA, failure to validate the debt in 30 days demands an automatic deletion. Furthermore, the original signed contract has still yet to be sent to me. I demand deletion!!!! ACCOUNT NUMBER : XXXX : XXXX XXXX XXXXXXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX
09/15/2017 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • OR
  • 972XX
Web
Caine and Weiner is attempting to collect a debt of my XXXX grandmothers for which they can provide no actual proof of payment beyond the word of original collector. According to original collector 2 payments were made after contract was terminated due to XXXX of my grandmother on XX/XX/XXXX. There has been no evidence provided of payments, ie ; cancelled check, deposit slip, bank statement. I have disputed validity of debt, and again sent a certified letter asking XXXX XXXX XXXX to cease all collections of debt as they can not provide legal documentation of debt. I authored this letter after speaking with XXXX XXXX on XX/XX/XXXX where as he became very hostile towards me on the phone and ended the conversation by hanging up on me.
11/10/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NY
  • 105XX
Web
I work as the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The organization owes a debt to a vendor. The debt collector, Caine & Weiner states to be representing the vendor to collect the debt in the amount of {$7200.00} and has repeately tried to contact me personally by calling and leaving a voice mail on my personal cell phone ( on XX/XX/2023 ) and sending notices to my home address ( on XX/XX/XXXX. ) My colleague emailed the debt collector from his work email on XX/XX/XXXX asking to send all communications regarding the debt to the organization 's direct phone number and business email only. Today, XX/XX/XXXX I emailed the debt collector from my work email requesting to stop contacting me personally regarding a debt owned by my employer.
06/16/2017 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • FL
  • 33712
Web
Caine & Weiner Company, LLC i s in violation of the FCRA and the State of Floridas FCCPA and is subject to financial penalties as outlined by state and federal laws. It is illegal or you to continue to report this inaccuracy to all credit bureaus. This letter is also to inform you that the validity of this debt is disputed. I am unaware of this account and have no verification this debt is mine ; you have provided no legally binding reference outlining your right to pursue any collections activities. I only know of this account based on it being reported in my credit rep ort ( s ). I have never been notified by mail of the validity of this debt and have never received verification in writing following disputes that have been filed.
05/07/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • GA
  • 30058
Web Servicemember
I have car insurance with XXXX threw an agent my insurance monthly is no more than XXXX dollars my policy term XX/XX/2020- XX/XX/2020 was cancelled - all unearned premium should have been adjusted and no balance should be owed on that account which is account number XXXX My insurance agent sent them a letter as the agent is brown agency phone XXXX - When u have a car if u dont pay the insurance they cut you off give u a 7-14 day grace to pay whats owed for the month and if u dont have insurance how are they billing me 800.00 plus dollars when my insurance was only XXXX a month - I owe nothing and I currently have an account with XXXX this debt is incorrect - I have tried to resolve please help me Caine & weiner saying I owe XXXX $
08/13/2021 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Impersonated attorney, law enforcement, or government official
  • PA
  • 19121
Web
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple 3 Bureaus Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
08/04/2021 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 94080
Web
I noticed a decrease in my credit score from XXXX on XX/XX/XXXX and upon looking at why, it showed that a collection agency had filed against me. I called the Caine and Weiner debt agency and enquired about the account. Apparently I have been a victim of identity theft because it was an amount of {$280.00} that originated from XXXX for a XXXX XXXX, this account was opened in XXXX. I explained to them that I have never owned a XXXX XXXX or had an account with XXXX. I have been informed by XXXX ( paid company to monitor my credit/personal information ) that my phone number has been seen on the dark web, and whoever used my information, may have used my phone number to get the information. They also had my driver 's license number.
05/18/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MI
  • 48221
Web Servicemember
I have been asking Caine & Weiner at XXXX. XXXX XXXX XXXX XXXX, CA XXXX, Phone # XXXX to VALIDATE a debt that they say I owe since the middle of 2020. But instead, their company ALONG with all 3 credit bureaus have only VERIFIED the debt ... This is severely hurting my credit profile and ruining my chances at homeownership. I have asked for certain things like the contract with my signature, and how did they calculate the amount of the debt owed etc ... and the only thing they keep sending me are things like a settlement letter from their company ( Caine & Weiner ), or a COPY of a payment coupon from the original creditor with no signed contract ... And the bureaus keep reporting this as VERIFIED which is not VALIDATING the debt.
12/29/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • AR
  • 72120
Web
XXXX XXXX sold an account that I had with them to Caine and Weiner, which is a collection agency. After I purchased the auto insurance policy, I kept receiving letters raising the premium, so I cancelled the policy. From what Ive found online, XXXX XXXX should not be reported to the credit bureaus. Auto insurance is a financial product that is purchased to secure against legal liability in case of an accident. When you enter into an auto insurance contract, youre agreeing to pay the premium in exchange for coverage. Since auto insurance payments arent reported to the credit bureaus, credit history is not affected. My report shows that Caine and Weiner placed this item to the credit bureaus in XX/XX/2019. Balance {$240.00}. XXXX
05/30/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • TX
  • 77007
Web
I am a victim of identity theft. Due to the XXXX XXXX XXXX, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
06/26/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • AZ
  • 85331
Web
Spoke with collector, XXXX and was spoken to in a derogatory tone, she refused to provide validation, she told me to go back to original creditor to get my validation, she then stated she is sending invoices, I told her that is not proper validation and she hung up, I called back and spoke with XXXX XXXX, he was just as rude and bullying as the last collector I spoke to, he forced me to send him a letter stating my dispute, I did, I called to make sure he got it and he again was condescending and rude, I called again a few days later and spoke with XXXX attorney XXXX XXXX and he refused to do anything- ( XXXX never gave me a mini Miranda and XXXX and hung up on me when I asked him to remove this from my credit as it is not mine.
06/26/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • KY
  • 401XX
Web
NEVER HAVE I EVER GIVEN CONSENT TO THIS COMPANY TO EVER HAVE ACCESS TO MY NONPUBLIC PERSONAL INFORMATION. I HAVE NEVER AGREED TO DUE BUSINESS WITH THIS COMPANY ON ANY TERMS EVER!!! On multiple occasions I have attempted to resolve this ongoing issue of identity theft with CAINE & WEINER for fraudulently purchasing my nonpublic personal information and furnishing inaccurate and deceptive information to my consumer report via the consumer reporting agencies. This has hurt my consumer report immensely and has effected me of being approved for jobs, insurance, and dwelling. I am attaching all documentation below. I have also sent my complaint over to my state 's attorney general consumer affairs department. Please see attached.
08/31/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • PA
  • 19149
Web
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
07/28/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • PA
  • 19149
Web
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
05/06/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NY
  • 146XX
Web
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # # # # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions CAINE & WEINER COMPANY INC at XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX CA XXXXhas been reporting a collection account to my credit. I do not know this company. I have sent letters of validation to this company numerous of times the only information I have received is a bill that I have no knowledge of. I have never done any business with this company. This company does not have a contract with my signature.
09/23/2015 Yes
  • Student loan
  • Non-federal student loan
  • Dealing with my lender or servicer
  • Keep getting calls about my loan
  • AZ
  • 85210
Web
I had a student loan in XXXX back in the XXXX 's. The loan was paid in full more than 25 years ago. XXXX which is the loan agency in XXXX still claim that I owe them money. I have sent them letters in the past disputing the debt. They are now hiring Caine & Weiner in the XXXX to try to collect the non existent debt. I have sent Caine & Weiner a letter dated XX/XX/XXXX and asked them for verification of the debt and for them to not contact me anymore except for the verification. I have not received any verification of the debt. Now XX/XX/XXXX they called me and told me that I am in collection for the non existent debt from XXXX. XXXX from Caine & Weiner told me that this was a different debt from the same " XXXX '' client.
07/25/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • GA
  • 30813
Web Servicemember
Caine & Weiner is currently reporting on all three major consumer reporting bureaus that I owe their company {$340.00}. Reporting started on XX/XX/2020 and is currently still active. I've sent them written notice in which I haven't received a response. I don't know who this company is nor do I do I have any documentation with my signature nor verbal agreement with this company, so I have no contractual agreement with this company. I demand this be removed from consumer report immediately. As a ramification due to this fraudulent account, I was discriminated against & denied my right to be extended credit. Nevertheless, I have suffered emotional and mental stress because of this false and negative credit bureau reporting.
11/19/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • VA
  • 236XX
Web
Pursant to 18 USC 8, I owe no debt, This company Cane & Weiner is violating my consumer right to privacy pursuant to 15 USC 1681b 2.company has also NO permission to report ANYTHING using my pursuant to 15USC 1681 4 15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information, Any other adverse item or information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate.
11/15/2018 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 92804
Web
From my XXXX XXXX profile I saw that I had an outstanding debt for a company by the name of Caine & Weiner in the amount of {$350.00}. I sent them a request for debt validation letter on XX/XX/2018, it was delivered via XXXX on XX/XX/2018. Caine & Weiner failed to respond to my request for information within 30 days therefore I assumed the debt was not valid. I sent them a request to have the item removed from my credit on XX/XX/2018. Caine & Weiner instead sent me a bill with none of the information previously requested in my debt validation letter and they have not sent me anything stating that they will be removing this item from my credit. The debt collector did not comply with FDCPA 15 USC 1692g Sec. 809 ( b ).
08/31/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TN
  • 380XX
Web
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX CAINE WEINER ( Original Creditor : XXXX XXXX ) XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
11/16/2017 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • NC
  • 283XX
Web
On XXXX XXXX 2017 I contacted this company in regards to a debt in which I hold no contract with which resulted in damages to my credit report and future finances. Immediately when I noticed the alleged debt on my credit report I turn to the company to resolve this yet my request has been denied to remove all negative information from my credit report. This company holds no original contract to prove that the amount owed belongs to me. All correspondence from the company are n't sufficient enough at all I received was photocopied information that does not prove nor deemed that I am liable for this debt. As stated before I demand that this company remove all negative information reporting against my SSN immediately.
10/07/2023 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • AZ
  • 85331
Web Servicemember
XXXX paid me a quarterly sales bonus based on the revenue I influenced as a Technical Specialist, and later told me that it really was an " advance ''. I never consented to or signed a contract that said I agreed to be compensated in such a bizarre manner. After the money hit the back, I naturally assumed it was my mine and spent it. Since they had a bad year, they claim I owe them {$2800.00}. Neither the creditor, CAINE & WEINER COMPANY INC, or the original creditor, XXXX XXXX XXXX can show I owe them this money contractually. They put a collection on my credit report, instantly dropping it by XXXX points. Candidly, what you have here is a XXXX dollar company harassing a former employee under dubious pretenses.
05/11/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • TX
  • XXXXX
Web
My complaint is that the account is reported as {$1100.00} past due however they have failed to provide proof of this debt and it is hurting me and my ability to finance a new home. I have specifically requested the final account statement and automized statement showing option proceeds and final balance after all fees applied, the value of this account far exceed the value of this loan this debt should be resolved as XXXX balance and reported as satisfied or paid in full. this account has been reporting inaccurately for the past 3 years and it has been hurting me and credit the entire time. I have already made the payment on this account and i should not have a balance on any of the credit bureaus please help me.
07/14/2017 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33178
Web
This he insurance company XXXX try to make me paid 6 months in advance when the try to increase my police s 300 time. So I look for better options and I get XXXX . After 8 year with XXXX I will Never come back to th em, they never make me sings any contract they can not force to pay a service in advance when I never received any kind of service. I told them show me any contract even though email or verbal, and they said we will send you to Colection this is not right. I 'm try in to purchase my first home I really take care of my credit. This is and ilegal procedure of this gigantic company. The send me a letter to do my claim I fielded and they deleted and few weeks they do it again.

Thank you.

02/19/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • SC
  • 295XX
Web
At one point of time I was insured with XXXX XXXX and the insurance was just a little two high for me so I decided to find a cheaper car insurance to go to so I called XXXX and requested that they cancel my policy with them and stated that I found a cheaper insurance.My policy was paided up to date and they tried to get me to stay with them and refused to cancel my insurance which resulted in them trying to charge me for the remaining two payment of my 6 month premium and I told them why should I have to pay something I told you all to cancel. So they reported it as a collection on my credit which my impacted me from getting a lot of things and it is not fair and I asked that they have it removed from my credit
11/18/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • AZ
  • 85255
Web
XXXX XXXX {$300.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT CAINE & WEINER XXXX {$390.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX AUTO FIN {$32000.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX XXXX$200.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX {$3600.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT
07/30/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TN
  • 380XX
Web
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX CAINE WEINER ( Original Creditor : XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
04/29/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 75071
Web
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX CAINE WEINER ( Original Creditor : XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
04/19/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • GA
  • 318XX
Web
I obtained a copy of my credit report from the major 3 credit bureaus to check the information within making sure that it was accurate according to USC title 15 ( 1681 ) 5. Ive waited over 30 days to receive the investigation results which everything was still reporting the exact information as the previous months. The credit reporting agencies XXXX, XXXX, and XXXX did not complete and modify or remove any of the items on my credit report. The primary information being reported are not correct such as the open date, date last active, date of payment history. These are violations of the Fair Credit Reporting Act, which is harming me from obtaining fundings to start a business and buy a home for my family.
04/07/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • NC
  • 28208
Web
Filed a complaint 2 times with with XXXX abut this situation. XX/XX/XXXX & XX/XX/XXXX I requested proof of debt from Caine and Weiner from Progressive and they did not send proof if debt from Progressive until XX/XX/XXXX after they placed it on my credit report XX/XX/XXXX. By law I have the right to request the proof of the debt from the original creditor and they have to provide me with it it a timely fashion before reporting this debt on my credit report! This company failed to provide me with the necessary paperwork after requesting it for 2 months straight. It is unlawful and downright disgusting and every time I call to handle the matter I am being sent to voicemail. I will take legal action if necessary.
03/14/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • False statements or representation
  • Attempted to collect wrong amount
  • CA
  • 91770
Web
We received a collection letter form Caine & Weiner Acc # XXXX, Amount due : {$120.00}, This amount due is wrong, I ordered from XXXX : XXXX : {$6.00} and XXXX cups : {$1.00} date XX/XX/2016 and I never ordered anymore from them. After that they never sent me billing statement for payment I only received a post card which showed amount due : {$67.00} and have to pay online, It is wrong due amount. I can not pay online amount $ XXXX {$1.00} which I owed them. I try to call customer service but only machine answered and wait for long time. Now I want to fill out customer complaint and request the XXXX sent to me a billing statement due amount {$7.00} plus tax that I owed and willing to pay for that amount.
12/08/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TN
  • 38106
Web
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
12/07/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • PA
  • 19138
Web
I kindly request that you thoroughly validate these accounts, as I wish to ensure that I am not erroneously charged for any debts that do not belong to me. In order to avoid any misunderstandings or disputes, please provide me with concrete evidence and documentation that supports the existence and amount of these alleged debts. I appreciate your prompt attention to this matter, as I am eager to resolve any discrepancies and ensure the accuracy of my credit report. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
09/19/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • DE
  • 19977
Web
In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 and the Fair Debt Collection Practices Act 15 U.S.C 1692 Caine & Weiner has violated my rights. 15 U.S.C 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish a account without my written instructions. I did not provide Cainer & Weiner with written instructions to furnish any account on my credit report, this company is violating my rights continuously. I also have the right to privacy according to 15 U.S.C 1681 section 602 A. I demand Caine & Weiner cease reporting this account to my credit report and delete the item immediately or I will file for litigation for the stress your company has caused me.
04/23/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • FL
  • 33578
Web Servicemember
I'm a XXXX XXXX XXXX and I've paid a collection that's on my credit from Caine Weiner XXXX XX/XX/2021 ) .I talked to them and asked how long will it take for the collection to be removed off my credit, they told me usually it takes 30days. Well I have a MyFICO app that's on my phone and I received a notification XXXX XX/XX/2021 XXXX that its been paid in full {$0.00}. But I still saw that I had a collection on my credit from Caine Weiner. So I called them and explained what's going on and there response was " well sir you'll have to call the credit bureau to fix that, well have no control over that at all. '' So as of today ( XX/XX/2021 ) I still have that collection from Caine Weiner on my credit.
01/16/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • False statements or representation
  • Attempted to collect wrong amount
  • WA
  • 983XX
Web Servicemember
I called Caine and Weiner Inc. Regarding a debt that was on my credit report in order to resolve the debt. My credit report reflects that I owe {$160.00} but the representative I spoke to said I owe around {$250.00}. I asked to only pay what is on my credit report and she informed me that I could have the debt removed from my report if I paid the larger amount. I said I only wanted to pay what is on my credit report and she placed me on hold to speak to the manager. When she came back she offered to remove the debt from my credit report if I paid around {$220.00}. Telling me that she is unable to remove the report from my credit when she can is a violation of the Fair Debt Collection Practices Act.
04/10/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NY
  • 11203
Web
Progressive insurance continued to attempt to charge me insurance on a policy that was canceled since XX/XX/XXXX. They referred me to Caine and Weiner collection agency for a balance of {$400.00} which dropped my credit score XXXX points on XX/XX/XXXX while in the middle of trying to apply for a loan to save my business. I was waiting for my score to update on XX/XX/XXXX. I paid down my credit cards and lowered my utilization in order to guarantee an approval. However, due to progressives negligence I was unable to apply. Removing the derogatory has become extremely difficult and has hindered my loan process tremendously. When Im all actuality progressive really owed me money. {$3.00} to be exact.
02/18/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Credit monitoring or identity theft protection services
  • Billing dispute for services
  • NJ
  • 08638
Web
Hello, I am contacting you in regards to the debt collection agency Caine & Weiner. I advised them that I don't owe a debt they keep insisting that I owe a debt. After, I advised them of a dispute I had with XXXX XXXX XXXX. I also, advised the collection agency that this alleged debt was supposed to be closed via XXXX XXXX XXXX.They remove the debt for a month. Then put it back our for their reporting purposes or financial reporting purposes. They keep taking off the debt and then re adding the debt at the middle or end of the month. I spoke with a manager and tried to resolve this several times. They are reporting incorrect information and inaccurate information in regards to my credit report.
11/24/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 31313
Web
Received a letter from CAINE & WEINER attempting to collect a debt for XXXX. I responded in a reasonable time frame disputing the alleged debt. I also sent a cease and desist along with a invoice as violation to 15 U.S.C. Were found. CAINE & WEINER did not acknowledge the cease and desist or invoice. Weeks later I received another letter stating that the alleged debt was verified. Only I as the consumer can verify an alleged debt which in this case I did not. Violations are as follows : 15 U.S.C 1692c- CAINE & WEINER did not have my consent to contact me 15 U.S.C 1692b ( 1 ) -Stated that I owed debt 15 U.S.C. 1692f ( 8 ) -CAINE & WEINER on mailing envelope 15 U.S.C 1692k- Civility liable
03/24/2023 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 346XX
Web Servicemember
This " company '' Caine and Weiner is trying to collect a XXXX debt for progressive insurance. I have never in a hundred years had an insurance policy that was XXXX dollars. I have tried for years to actually speak to someone at this company but only get voice mail. I have repeatedly asked this company to send me something, anything to show why they think I owe them money and they have never responded. I am at my wits end. I have disputed this and they just play games and say it is legitimate without providing any proof. They literally have not sent me any documents or proof that I owe them money and they absolutely refuse to return my calls. This has been going on for several years now.
03/08/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • UT
  • 84081
Web
I received a letter in the mail on XX/XX/XXXX informing me I owed a debt {$600.00} to XXXX. The same day I sent a written request via their website for proof of debt. I additionally called them. I finally received the " proof '' via email on XX/XX/XXXX from XXXX XXXX. In the email was one attached document showing my receipt from XXXX showing I paid. I called the next day to ask how this showed I owed money when I believed it showed I paid XXXX. After being on the phone for a while they disconnected the call. I followed up with an email to XXXX, but have not heard back. Now this debt collection is reporting to my credit score and negatively impacting me for a debt I do not believe I owe.
06/08/2022 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • MS
  • 38637
Web
I have tried and tried to figure out how to handle this. XXXX told me that they do not sell any of my information, yet if that was true then how did a debt collection agency get my information? Also I have not received any documentation other than it being on my credit report about this collection. XXXX is an insurance company. I believed that since this is not a contract and it is a month to month payment that it would not go against my credit report and not to be sold off as a debt. This is completely unfair. My family only has my husband as the provider due to lack of child care since the coronavirus. Please help me I understand we are a low income family but I need my credit please.
07/23/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • NC
  • 28078
Web
XXXX XXXX was used in XXXX to form a company and fees were paid for their legal services. In XXXX they were notified that the company was no longer in business and their services not needed. The notification was by phone, email, and on the web site. In XXXX and XXXX they continued to charge my credit card for " annual fees '' despite repeat requests to cancel the charges. Refunds were requested with no response. I had to cancel the credit card to get them to stop. I then stopped hearing from them. Then in XX/XX/XXXX I received a collection letter from Caine & Weiner stating they were looking to collect {$390.00} on behalf of XXXX XXXX. They are trying to collect a debt for NO SERVICES.
11/27/2018 Yes
  • Debt collection
  • Medical debt
  • False statements or representation
  • Attempted to collect wrong amount
  • CA
  • 923XX
Web
This Company was hired by XXXX XXXX XXXX XXXX who I was forced to use by my doctor XXXX XXXX, for two dates of service they submitted the bill to XXXX XXXX XXXX XXXX XXXX in 2016 For the mount of XXXX They were paid by a check for their services then they came back and said they were billing three years later for another date of service that I had XXXX XXXX supposedly paid to me I still cant find a copy of that check which I requested from XXXX XXXX, However I paid them back via XXXX XXXX in my settlement {$240.00} this should of never been sold to a third party as its medical records and they are violating Hippa and they were paid. The lawyer threatened to sue me for the difference,
11/29/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 77064
Web Servicemember
Inaccurate and defamatory information is being reported on my credit report. I have made several attempts to contact this company to update my credit report by deleting all negative unverified and inaccurate information from my file. My first letter was signed and received by them on XX/XX/2022. I received a response with an itemized list of charges they claim I owe. I then mailed a second letter validation letter, which they received XX/XX/2022. I have given well over 30 days for the company to verify this erroneous information with no proof in sight. How is it possible for them to continue reporting clearly unverified, invalidated, and inaccurate information to my credit report?
04/02/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MI
  • 48021
Web
Caine and Weiner is a collection account reporting a debt that does not belong to me. The orginal creditor XXXX XXXX XXXX sold it to this company and the debt is no longer mine nor do I owe it due to the Fair Debt Collection Practices Act. Caine and Weiner is reporting a collection account with a balance of {$1100.00} and a past due balace of {$1100.00} which is inaccurate and a violation on this collection/charge off account. I have contacted them directly via certified mail twice with no response in over 60 days and they are still reporting to all credit bureaus. They can not verify the debt and violated Fair Dept Collection Practices act 15 USC1692g Sec 809 ( 8 ) ( FDCPA ).
03/15/2022 Yes
  • Debt collection
  • Auto debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MD
  • 21234
Web
I still have not received any correspondence from this credit is reporting to my credit report stating that I owe a debt to them and I have no clue who they are. This negative reporting is impacting my credit score and preventing me from achieving my financial goals. I do not know about a debt to this creditor and I would like for them to submit to me the documents to state that I owe there company a debt. In the state of Maryland it is not legal for a third party to report to the credit bureau about a collection that they brought from XXXX and trying to receive additional funds from me. This debt was paid for by the third party back when they first reported to my credit report.
09/22/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • KY
  • 402XX
Web
Received a debt collection notice from Caine and Weiner Company for a {$190.00} bill from XXXX XXXX XXXX I have never used this service and have never received any previous bills from XXXX stating I owed them any amount of money. This is a case of fraud or mistaken identity. I contacted the collection company and they want a police report in order to start a fraud claim. I do not wish to go through all the trouble when I never did this in the first place and have not had any fraudulent charges on any of my accounts that would have occurred earlier this year. I want this to be settled and do not have time to deal with this inconvenience. The collection company should drop this.
04/25/2016 Yes
  • Debt collection
  • Auto
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CT
  • 06320
Web
Cain and Weiner claim I owe XXXX to XXXX for an insurance policy that appears to be either duplicate or fraud. They previously sent me a notice about a Progressive policy, however, they amount they were seeking is much higher. They claim they stopped collection efforts but have now sent me a notice looking for XXXX. My vehicle was totaled and no longer in possession of it, motor vehicle is aware and plates were canceled. I have not been in possession of vehicle since on or around XXXX. XXXX was told to cancel, however, it appears the rep ( s ) did not do so. Again, I believe they are referring to a previous policy which Cain and Weiner previously agreed to stop collection on
05/02/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • GA
  • 30096
Web
New Information : I recently filed a report against Caine & Weiner in reference to an account that I have been disputing over a year and I read the response that they never received any Correspondence from me for an alleged debt that they say that I owe them. The last correspondence that I sent was received by there office was on XX/XX/XXXX which was a debt validation letter 15 USC 1692 ( g ) b and also a cease and desist letter 15 USC 1692c ( c ) and they responded on XX/XX/XXXX. Per congress when an alleged debt is being disputed it is supposed to be removed from the consumer report until the investigation is final which was never done and please see my proof of delivery.
08/23/2022 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • PA
  • 19111
Web
I am XXXX submitting this complaint against Caine & Weiner and there is no third party involved Caine & Weiner did not provide me with sufficient documentary evidence such as tracking number or some type of signed delivery slip by me the consumer, proving that I received and was made aware of collection activity of this alleged debt, this alleged debt had been fraudulently placed onto my consumer report with forethought and malice to being harm to me and my financial reputation. They did not follow the proper procedure under the new FDCPA laws Effective XX/XX/2021, an amendment to Regulation F, which implements the FDCPA, in which protects consumer from improper reporting.
02/03/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 90717
Web
This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The CAINE WEINER ( Original Creditor : XXXX XXXX ) XXXX & CAINE WEINER ( Original Creditor : XXXX XXXX ) XXXX account is not complying with federal law in regards to identity theft. Additionally, the creditor have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file. CAINE WEINER ( Original Creditor : XXXX XXXX ) XXXX CAINE WEINER XXXX Original Creditor : XXXX XXXX ) XXXX
11/11/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 90003
Web
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the account still remains on my credit report in violation of Federal Law. The Credit Bureaus failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Here is the list of accounts that are reporting inaccurately needs to be removed : XXXX XXXX - XXXX Balance {$220.00} ; XXXX XXXX - XXXX Balance {$0.00}
08/08/2023 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • AK
  • 999XX
Web Servicemember
I have requested that this company send all documentation ( not company printout ) that I owe the debt ( progressive ) in question. They lied to the XXXX and said that they sent documentation in previous months but yet on my credit report, they say I can not be located. You can locate me at the address that you admitted you have on the XXXX response. Nothing has changed. I have demanded yet again documentation and the company stated they would send something and I have not received anything. They clearly have my mailing address. Don't say you sent anything unless you can show proof that you sent it. I demand solid proof of validation, contracts, my signature, etc ......
05/07/2023 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • AR
  • 721XX
Web
On XXXX XXXX XXXX there was a collection account added to my consumer report. Causing my XXXX score to decrease by XXXX. Caine & Weiner has violated my privacy. Due to not having any acknowledgment or debt collection letter sent to me within the allotted time ( XXXX ) there was no notice or any communication between myself and the third party debt collector. Violation of FCRA. There was no communication at all. Not only no communication but Ive never done any business with this corporation. Ive never been to California. Not only have this corporation violated my rights and the FCRA but theyve also violated 15 usc 6801 due to having my non- public private information.
03/01/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • IL
  • 60506
Web
This is a NEW Complaint filed on XX/XX/2021. I have since sent in a Validation of debt letter to the following Company : CAINE & WEINER COMPANY , INC, The information provided was unresponsive to my demands. I demanded proof that I XXXX XXXX owe you CAINE & WEINER COMPANY, INC money, the response I was given via Mail/CFPB responses is not proof that I owe you money. In fact the company name : CAINE & WEINER COMPANY, INC is not even mentioned once on any of the paper work provided. Furthermore, Please provide PROOF OF this alleged item ... Specifically the Contract, Note or other instrument bearing my SIGNATURE, before continuing any collection activities on the account!
05/05/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • CA
  • 91302
Web
i have never spoke to them about this collection. i have no idea what this is from. these collections are misunderstood and fraud. they have been on my report without my knowledge. In accordance with the fair credit reporting act XXXX account CAINE & WEINER, XXXX XXXX XXXX IN, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX has violated my rights. 15 usc 1681 section 602 states I have a right to privacy. 15 usc section 1681 604 a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 usc 1666b : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
05/15/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • NV
  • 89084
Web Servicemember
Two collection accounts are showing on my report for the same debt. It looks as though one bought the debt from the original creditor and then another company purchased the debt and is showing the same account with a different amount from the original creditor. I do not owe this debt as it is for an insurance company and I paid insurance monthly ahead of time. I want both accounts removed from my report. I have disputed the information with the two collection agencies as well as the credit bureaus but it always comes back as validated and I do not believe this to be the case. I also do not see account numbers nor an address to reach the collection agencies on my report.
08/03/2020 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 775XX
Web
On XXXX XXXX Caine and Weiner received a debt verification letter from me to verify the debt they are reporting and they could not provide it. all they sent me is a bill from them saying I owe them XXXX According to the FAIR CREDIT REPORTING ACT Section 609 Disclosures to consumers ( a ) ( 1 ) ( A ), they are required by Federal Law to verify through the physical verification of the ORIGINAL SIGNED CERTIFIED CONSUMER CONTRACT of any and all accounts you request to be posted and or reported on a credit report. And I hereby demand to see a copy of the validated Proof ... They have til XXXX XXXX to verify the debt or it should be removed from all credit reporting agencies
07/17/2018 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • CA
  • 95747
Web
XXXX XXXX XXXX was hired by XXXX to collect a debt. This debt was not mine and as such XXXX paid the bill and eliminated any collections on this matter. This was done after the Attorney General of California was engaged and made aware that the debt was not correct. I have since received a letter from XXXX legal council that was sent to the state of California Attorney General. The whole debt was forgiven. Allough XXXX XXXX XXXX is reporting new problems as of XX/XX/2018. This should be removed as they are falsely marking my credit reports and hurting my score. This has been a long battle with a lot of errors and problems. Can you please assist? Thanks, XXXX XXXX
02/10/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 33027
Web
I no knowledge of the information being reported on these accounts. Therefore, I hereby dispute the balance, high balance, past due amount, and the date opened as inaccurate. This letter is a formal complaint that you are reporting inaccurate credit information. I am distressed that you have included these items that do not belongs to me Apparently, procedures have not been properly maintained to ensure maximum accuracy that is required by the FCRA. I was never served with any notice or disclosure before or after these accounts were reported negatively as required by FCRA & FACTA Sections 609 & 611. This alone requires deletion of the negative disputed information.
03/14/2016 Yes
  • Debt collection
  • Auto
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • CT
  • 06320
Web
Caine and Weiner claim I owe XXXX for a Progressive policy that was paid via money order, the amount is also incorrect. I do not have a copy of money order to provide as it was paid well over a month ago. I believe the amount paid was in the XXXX range, not sure. I do not know how they come to an amount of XXXX. A complaint was submitted prior, they agreed to stop collection efforts, however, they just sent me another notice requesting the previously mentioned amount and have threatened to place it on credit report. Please advise them they will not see a dime on this policy as I have already sent a payment to XXXX directly, the amount was much lower, in XXXX range.
10/25/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Improper use of your report
  • Reporting company used your report improperly
  • NY
  • 11208
Web
I am fromally complaining against CAINE & WEINER I for a number of consumer laws that they are in violation of. 15USC1681 ( A ) ( 2 ) dealing with exclusions and how I never gave them the right to report any of my transactions to any 3rd party ( XXXX, XXXX and XXXX ) along with 15USC6801 and 15 USC6802 ( A ) ( B ) ( C ). I have contacted CAINE & WEINER who has been totally non compliant through this entire process and has been adamant about breaking consumer laws. I asked the CFPB to step in and make sure that CAINE & WEINER stand by and address the issues that I noted in consumer law and not to continue to disregard the rights of consumers. Thank You XXXX XXXX
02/22/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • OH
  • 44111
Web
This debt collector has not been in compliance with the air debt collection practices act, fair credit reporting act, and Gramm Leach Bliley Act. I have disputed this alleged debt that was unlawfully transferred to this company 's office with out my consent resulting in aggravated identity theft. This company has not provided proof that their is any trilateral agreement in place that I consent to that gives them the authority to collect on this alleged debt. Further more this company has been harassing 's me causing financial injury to me, damaging my character by placing this alleged debt on my consumer report and causing mental damage to me the consumer in fact.
11/01/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • MI
  • 480XX
Web
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The particular account position that is recently filed on this credit document has a seriously unfavourable impact on my capacity to attain a guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to CAINE & WEINER Balance {$890.00} and CAINE & WEINER COMPA Balance {$160.00} but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
07/19/2021 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • PA
  • 19151
Web
I have sent all three credit bureaus XXXX level of dispute letters and contacted each creditor reporting inaccurate negative items on my credit report. Each time i have either no received a response or it came back verified without explanation on how it was verified and how did they prove it was my account to begin with. Both the creditors and Credit bureaus have been in complete violation of my rights writing in the Fair Credit Reporting Act and causing me to have a tough time obtaining knew credit. Below I will list each of the creditors that i have sent validation letters to and received nothing back. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
05/13/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • FL
  • 331XX
Web
An insurance policy was paid in advance with XXXX XXXX. Sent the company proof of payment sent by XXXX and my bank statement showing the funds were paid. Moreover, contacted the collections agency and sent them the proof of payments and they have refused to answer or remove the information from my XXXX credit report. Furthermore, the collection agency made a hard inquiry on my XXXX credit report, that stays for 2 years, I've never done any business wit this company nor would I solicit credit from them that they are not in the business of offering. This company is clearly trying to take collect on something that was already paid for, which is wrong and unethical.
09/15/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • VA
  • 20105
Web
According to 15 U.S. Code 1681 - Congressional findings & statement of purpose a ) Accuracy & fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, & a respect for the consumers right to privacy. I did not give written consent to add anything to my consumer report if & that is a violation of the Fair Credit Reporting Act. Furthermore anything added to my report without your written consent is considered Identity theft. I'd like to add that my name has never been XXXX XXXX XXXX, XXXX XXXX or XXXXXXXX XXXX XXXXXXXX
01/26/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • IN
  • 462XX
Web
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
01/15/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • LA
  • 70122
Web
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
08/17/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 33065
Web
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
07/15/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • IN
  • 46123
Web
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
05/31/2018 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • WA
  • 98683
Web Servicemember
On XX/XX/XXXX I received a letter from Cain & Weiner for an outstanding debt with XXXX insurance company stating I owed XXXX. I sent a certified ( tracking number XXXX ) letter back on XX/XX/XXXX to demand validation of the debt and to instruct them not to call me and to only communicate via US Mail. The letter was received and signed for by a XXXX XXXX on XX/XX/XXXX. I did no receive a response back until XX/XX/XXXX well past the 30 days they had to respond to the validation of debt letter. On XX/XX/XXXX i received a call from Cain and Weiner on my work supplied cell phone even though they had received the letter instructing them to not call over 60 days ago.
01/05/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NY
  • XXXXX
Web
Date Opened : XX/XX/2022 Defamation Of Character Defamation is the act of harming a person 's reputation through the use of words. When defaming words are in writing this is known as libel defamation. 1. Publication of information is required 2. The person being defamed was identified by the statement 3. The remarks had a negative impact on the person 's reputation 4. The published information is demonstrably false This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data for the account opened XX/XX/2022.
11/24/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • KS
  • 67501
Web
This collection agency has reported that I own {$89.00} for an policy that I paid in full. I have disputed this with XXXX and have gotten no where. I paid this policy in full and then cancelled it. I had no issues at the time of closing the policy and was not aware of any other charges. I have notified the collection agency of this and they have no verified the debt. The amount of {$89.00} should be removed asap. I am filing this complaint first to see if I get anywhere. If not, I have intentions to refer this to my attorney for a civil lawsuit seeking damages. I do n't care of the cost, this is principle. I expect this to be removed from my XXXX Credit Bureau.
06/16/2017 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NY
  • 117XX
Web
I called collection agency XXXX XXXX XXXX spoke to XXXX XXXX XXXX XXXX XXXX , I a dvised XXXX this was a Fraud Account that I resolved 3 year s ago with the XXXX and their Attorney and I was removed from the lawsuit and I have Documentation from Court and NYS Sheriff 's Dept showing I was excluded due to the Fraud and i need it to be removed from my Credit Due to the fact i am trying to buy a home. XXXX proceed to threaten me saying that I am the guarantor and a judgment is against me and even if I get Attorney I still have to pay and it 's my responsibility an d Hong up on me even when I told him I had document to show that 's not true.
01/19/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Difficulty submitting a dispute or getting information about a dispute over the phone
  • NY
  • 14228
Web
On XX/XX/2023 I have reached out on number occasions on the phone to resolve this dispute that I was unaware was in collections in the amount of XXXX from XXXX XXXX XXXX also a collections from Caine & weiner in the amount of XXXX and also an inaccurate amount being displayed for XXXX XXXX XXXX these companies are reporting inaccurate information to XXXX, XXXX, XXXX where it still remains unable to be verify accurate information for these accounts that have been marked as a collections/charge off every month still after a dispute letter still reporting inaccurate balances displayed there has not been any further update nor deletions after request to removed
11/10/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30064
Web
I checked my credit report with XXXX XXXX and XXXX, and found that Caine & Weiner Company is reporting an unknown account transaction. I've never done any business nor had any accounts with the company. I also never gave any written nor implied consent for the company to obtain, store, share, sell or utilize my identifying information. Using my identifying information without my consent is considered identity theft under Federal Law. I am now taking the proper steps to protect my information starting with this notice and complaint. I am demanding that the account transaction and associated information be removed from my name and credit reports promptly.
11/15/2021 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NY
  • 14211
Web
I sent a request to Caine & Weiner Comp at XXXX XXXX XXXX XXXX Fl XXXX XXXX, CA XXXX to do a full investigation to verify debt that they claim is owed to them from XXXX XXXX, I have denied that claim on more than 1 occasions and the only thing a received was a bill. I reached out to XXXX XXXX and they have No account of me. I asked for original Contract with my signature written or digital signature and a complete payment history as well as proof of credit litigation and haven't received it, how are Caine & Weiner verifying the debt if XXXX XXXX has no info on me. I have a right to receive this info from Caine & Weiner and they have failed in this request.
03/18/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • UT
  • 84404
Web
Caine & Weiner as well as XXXX is reporting an erroneous debt on my credit file. I recently checked my credit and noticed this debt reporting on there. I was very confused as the debt is for the current insurance that I have. I have had progressive for a very long time now and have never received any noticed of any past due amount. I make my payment on time every month so I'm not sure why they are reporting a collection. This is erroneous and it must be removed. I never received calls, notices or any correspondence regarding this debt violating my 30 day right to dispute. This debt is not mine and I do not owe it and it must be removed from my credit file.
03/26/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • FL
  • 32505
Web
On XX/XX/2020 I spontaneously called XXXX Caine and Weiner company asking for some more information about a debit I found of {$800.00} from XXXX XXXX company . I talked to someone on the phone and I agreed to pay in full with the promises to receive a receipt letter and have it taken from my credit report. I called them and the person that I talked said it was not setup for sending this letter/receipt but he confirmed my address and made sure they would send the letter and also said they were still working on taking it from my credit report. The company is failing in providing the receipt even the total amount was taken from my account on XX/XX/2020.
03/27/2023 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • FL
  • 32826
Web
Caine and Weiner has willfully violated me as a consumer. The company has disregarded my rights as a consumer. The first communication was initiated by me. I noticed there was an account furnishing on my report that Caine & Weiner is attempting to collect. I did not receive any communication or opportunity to dispute before this company furnished this to the CRAs. A cease and desist was put in place with specific instructions. I asked for Caine and Weiner to stop reporting and delete the account. They placed it in C & D status but refused to remove this account. They refused to validate or adhere to the FDCPA. This situation has been a complete nightmare.
11/08/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • LA
  • 70122
Web
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The particular account position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. XXXX XXXX XXXX Balance Owed : {$240.00}
06/08/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 344XX
Web
On XX/XX/2020 Caine & Weiner reported to all theee credit agencies that I owe a debt to them, they are also reporting false allegations of That it is a new debt I had it removed from my credit reports before due to it not being my debt and they remove it then they report it again fraudulently putting wrong dates and amounts to pass it off as a new collection. I have never signed a contract with this company nor do I owe the amount in question. Caine & Weiner are making false allegations against me and are fraudulently reporting false debt information that is ruining my credit standing. Im his is not my account and the date opened isnt even a legit date.
02/02/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem with additional add-on products or services
  • CA
  • 92504
Web
I met with the XXXX guy at my work parking lot and he sold me a scanner, smoke tester, pcm reflash, and a few other items that I could use while I was working. I was approved for the items and they cost approx {$6000.00}. I no longer needed a few of the items and I needed to lower my payment. The XXXX worker took back the PCM reflash which was almost $ 3k. Which should have lowered my amount. I never saw the decrease. He said that he would have to return it himself, but I never got the part back nor did I ever get that amount removed from my account. I paid quite a bit of money and I do not feel that this should be on my account I would like it removed.
02/29/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NV
  • 89123
Web
CAINE & WEINER ( 01 XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$130.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2016 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
03/22/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NJ
  • 08021
Web
I never initiated any transaction with Caine & Weiner ( neither XXXX XXXX or XXXX XXXX ), and I dont have a contract with Caine & Weiner XXXX They reported a debt I do not owe onto my consumer report while simultaneously harassing me and trying to coerce me into paying an alleged debt. I asked for proof of the alleged debt. Caine & Weiner did not verify the debt and continued negative reporting ruining my credit score. They violated my consumer rights and was made aware of it in writing. They didn't care, they parked the debt on my consumer report. This company has violated and abused debt collection practices, and they have also defamed my character.
01/23/2022 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TN
  • 382XX
Web
I sent a letter to Caine & Weiner requesting verification in XXXX of 2021. The company never responded. I followed up with a cease and desist letter for all communication. As a federally protected consumer, I am aware that communications the conveying of information regarding a debt directly or indirectly to any person through any medium according to the FDCPA. Caine & Weiner is still conveying information ( alleged debt ) to persons ( consumer reporting agencies ) through a medium ( my consumer report ). The organization have a host of other violations against the FDCPA including false representation, unfair practices, and furnishing deceptive forms.
12/08/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 33009
Web
On XX/XX/2020, Caine & Weiner Company , Inc. add a derogatory marks on my credit reports per XX/XX/XXXXXX/XX/XXXX, XX/XX/XXXXand XX/XX/XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Collection company have to provide me with competent evidence that I have any legal obligation to pay them.The company have to provide me with copies of any papers that show I agreed to pay what they say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the license to collect in my state.
02/03/2017 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CA
  • 94124
Web
About XXXX months ago I discovered a collection account on my credit. My credit score which was XXXX XXXX XXXX on all XXXX bureaus dropped to the mid XXXX 's. I disputed the unknown collection account with all XXXX bureaus and was told that the account was verified as belonging to me!!! I have contacted the collection agency XXXX times by certified mall and I have yet to get a response from them or for them to remove the account. I was never notified or questioned about the account before it was placed on my credit. I do n't even know what it is for all I know is that it is not mine and it was not originated by me. Caine & Weiner Acct number XXXX
06/07/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • OK
  • 73110
Web
In accordance with the Fair Credit Reporting act The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX account # XXXX, XXXX has violated my rights. 15 U.S.C 1681 Section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
06/30/2021 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • IN
  • 462XX
Web Older American
Debt from more than 3 years ago, which is not valid of {$100.00} Have repeatedly contacted company for verification of debt including CERTIFIED MAIL ( have card signature verification that was received ) on XX/XX/2021. Company will not responded. Also sent CERTIFIED MAIL ( have card signature verification that was received ) that contact was to cease and communication was to be through mail. Company continues to call. Company has reported this account to all three ( 3 ) credit bureaus. I have kept scrupulous records that include dates, names and atte mpts at communication. My rights have been violated under the FDCPA in multiple instances.
09/17/2021 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • IN
  • 460XX
Web
The debt collector was sent a certified letter to stop contacting me as the original creditor ( XXXX ) waived the amount owned following a dispute on XXXX XXXX XXXX. I have sent an email were I have attached the dispute resolution and somebody from the office confirmed over the phone call that they have received it. Unfortunately they don't stop calling and keep saying that they haven't received it. I have sent the dispute letter multiple times but the calls still don't stop even after verbally asking them to stop calling me. The debt collector is Caine & Weiner, located at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX NY XXXX. Phone number : XXXX
08/21/2017 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • OR
  • 97306
Web
This has happened more than once, and I have a documented voice mail from XXXX at Caine and Weiner where they threatened my credit report unless I pay them today. This sounds like a predatory practice from a debt collector that I think should be stopped. XXXX XXXX XXXX : You 've got a new voicemail from ( XXXX ) XXXX. Transcript : XXXX this is XXXX. I 'm calling with Canaan whiner this is in regards to the outstanding balance for XXXX reference number XXXX. unfortunately it has now been 2 months in collections at this point. It will be affecting your credit rating unless we could get payment today. Please call me at XXXX XXXX XXXX. Thank you.
04/20/2016 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • PA
  • 180XX
Web Older American, Servicemember
For more than a month I have been receiving automated dunning calls from XXXX. The caller purports to be calling from Caine & Weiner, a California collection agency. The calls are directed to my cell phone. The call is directed to XXXX XXXX and asks for a call back to XXXX extn. XXXX. No caller name was provided. The latest of these calls occurred at XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and today at XXXX XXXX XXXX, all XXXX. The debt is not mine. I do not know a XXXX XXXX. On XXXX XXXX I sent an email to XXXX, president and CEO of the firm, directing him to stop these harassing calls but they still persist. The email went unanswered.
06/23/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NV
  • 89122
Web
CAINE & WEINER ( XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$280.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/2017 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
05/21/2020 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • GA
  • 30096
Web Servicemember
On a recent review of my credit report, I discovered that Caine & Weiner is inaccurately reporting a collection account to XXXX and XXXX. I mailed a certified letter to Caine & Weiner requesting VALIDATION. In my letter I included what constitutes validation. The company acknowledged receiving my request and all that was sent to me was a collection letter. They ignored my request for validation all together. On top at that, I then received a notice from XXXX that the company placed the collection on my report which wasn't on there previously. Lastly, the amount on the collection letter is different than what is posted on my credit report.
03/12/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • NC
  • 27610
Web Servicemember
XXXX XX/XX/XXXX {$550.00} Dispute was filed. XXXX XXXX XX/XX/XXXX {$1900.00} no action XXXX XXXX XX/XX/XXXX {$7400.00} Dispute was filed. XXXX XXXX ' XX/XX/XXXX {$150.00} Dispute was filed. XXXX XXXX XXXX XXXX XXXX {$630.00} XX/XX/XXXX no action. XXXX XXXX XXXX {$710.00} XX/XX/XXXX no action. XXXX XXXX XXXX XXXX {$210.00} XX/XX/XXXX no action. In accordance with the fair credit reporting act, these companies have violated my rights. 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instruction. ..
10/08/2021 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 77459
Web
I have been disputing this account for some time now with Caine and Weiner. I sent an initial dispute letter asking for verification of this account because I am not familiar with this account. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. My letter was delivered on XX/XX/XXXX, and here is the tracking number XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. I am sure there is a law that proves it.
04/17/2019 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NV
  • 89148
Web
This Company is reporting a debt for {$450.00} on my credit report. On XX/XX/2019 i sent USPS certified Debt Validation Letter ( see the letter attached ). Shortly after On XX/XX/XXXX they responded to my Debt Validation Letter with nothing that qualifies as Debt Validation Under FCRA and FDCPA. on XX/XX/2019 i have sent my second usps certified letter requesting them to remove this debt from my credit report as they failed to validate this. As of this date this is still being reported with credit bureaus in violation of FCRA and FDCPA. Please see all mentioned letters/paperwork including usps receipts regarding this matter attached
07/26/2020 Yes
  • Debt collection
  • Auto debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 334XX
Web
I reviewed my credit report to find this company had placed an unverified account on my credit profile. I reached out to this company to inform them that this information is incorrect because I had XXXX XXXX and not XXXX as they stated they did not supply me with any documentation on this debt and I also informed them that I share the same name as my father. They were unable to verify any of the two vehicles that is currently registered to me This is unacceptable and this is hurting my credit during a global pandemic and they cant place inaccurate information that hasnt been verified. I have no contracts or dealing with this company!
04/08/2021 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • GA
  • 30044
Web
Company Caine & Weiner are listed on my XXXX XXXX XXXX XXXX credit reports for the amount of {$460.00}. This company failed to comply with FDCPA, It's a violation of the collection practices act for a debt collector to refuse to send a validation notice. I have never recieved any notice to validate said debt however, this company placed this account on my credit reports. These types of collection practices are a violation of the FDCPA.I do not have any contract or business signed contract with this company. I do not owe this company nor have I had a chance to express this as this company failed to allow me to validate their said debt.
01/02/2023 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • AZ
  • 85209
Web
My rights have been violated in relation to an account on my credit report. CAINE & WEINER XXXX Have you heard of 15 U.S.C Sec 1681 ( a ), if you can not provide proof this account is 100 % accurate then this account must be deleted. Please provide me with the original contract that I signed with my wet signature if you can not then It must be deleted from my credit report. I dont believe the information on the account is 100 % correct and needs to be deleted. 15 U.S.C 1681 Section 602 A - I have a right to privacy. 15 U.S.C 1681 Section 602 A Section 2 - A consumer reporting agency can not furnish an account without my permission.
09/13/2022 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • GA
  • 30519
Web
I closed this account in XX/XX/XXXX with a {$0.00} balance. The company illegally charged my credit card and my bank honored the refund since no services were rendered. They took my refundable deposit and have started to invoice a closed account since XX/XX/XXXX. I have not used any of their services and requested numerous times to stop adding late fees to an account that has been closed since XX/XX/XXXX. I have had several conversations and can not get the proper resolution. They sent my account to collections in XXXX where I received an invoice from Caine & Werner. I did not this company permission to access any of my information.
03/10/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 77022
Web
I have sent numerous certified letter explaining to XXXX that the debt is not mine. Every time they have sided with the creditor. XXXX always states to me they have " verified '' this debt is valid. But per the fair crediting and reporting act I have repeatedly requested documentation bearing my signature and any other paperwork they have to affirm this debt as valid. To no avail because XXXX has not sent me anything. They never respond to my written request. I call them on the phone and a representative does not give me any information either. This debt is invalid and needs to be removed from all three bureaus, specifically XXXX.
10/06/2022 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • VA
  • 23455
Web
This company has not furnished a contract with my signature on it in blue ink agreeing that I owe {$160.00}. Also In accordance with The Fair Credit reporting act this creditor has violated my rights. Under 15 USC 168 1 section 602 says I have the right to privacy.. Under 15 USC 1681 604a section 2 a consumer reporting agency can not furnish an account without my written instructions. Under 16 USC 1666b a Creditor can not treat a payment on an account that's open on a credit report as late unpaid or in collection. Private information was transferred without my permission. I have a common law copyright on my name XXXX XXXX XXXX XXXX.
09/30/2021 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • PA
  • 19013
Web
In XXXX XXXX XXXX, Caine & Weiner attempted to communicate via mail with me over an alleged debt. Through no fault of my own, the letter they sent changed several hands before it reached me at an inconvenient time, violating my privacy rights as a consumer. Within this letter, Caine & Weiner not only claimed that I owed such alleged debt, but that they would also illegally report and freely give my information to multiple credit reporting bureaus if I did not pay them. I reached out to them requesting validation of the alleged debt, but instead they responded with the information of where they in fact purchased the alleged debt from.
05/18/2023 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NC
  • 27610
Web
Sent Company A Letter Asking Them To Validate Debt And Company Has Not Responded In A Timely Manner. I Am Not Familiar With Caine & Wiener And Have Never Signed A Contract, Nor Have I Ever Entered Into Any Agreement With Them. Caine & Weiner Never Sent Me A Notice About Attempting To Collect On Alleged Debt, They Simply Put A Negative Remark To The Credit Bureaus And I Am Asking That The Collection Account Be Removed. Caine & Weiner Is Alleging A Balance Owed To Their Company In The Amount Of {$400.00} And The Alleged Account # With Caine & Weiner Is XXXX. I've Attached A Copy Of The Debt Verification Letter That I Sent Out To Them.
11/25/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 78660
Web
Ive filled and have had this Caine and Weiner debt collector removed from my report on with all 3 bureaus ans now the only credit bureau is XXXX. Saying it remains it has been removed many times over past 5 months so how can that be possible there is no insurance that I signs sup for that was. XXXX a month its insane XXXX is trying to aceea me Ive had XXXX weird no lapse for the past year at {$220.00} a month so where on earth can XXXX a month. Be a price I never signed up for that and I cancelled over the phone and was told I was good then months. Later I get a collection company harassing since for months about a bill I dk t owe
12/08/2022 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • SC
  • 29150
Web
On XX/XX/22 I sent Caine & Weiner a validation of debt letter because I noticed the account on my credit report for {$500.00}. XXXX shows this account as a COLLECTION and XXXX shows this account as OPEN, INACCURATE INFORMATION. In the debt validation request a CEASE AND DESIST was placed on the collection of this alleged debt during the validation period in which I ask for 30 days to review the documents they were to send me. I received a response XX/XX/22 the letter was dated XX/XX/22. Not only did they NOT send the documents I requested THEY ALSO ATTEMPTED TO COLLECT on this alleged debt which VIOLATED THE CEASE AND DESIST ORDER.
10/07/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NC
  • 27540
Web
I am not responsible, nor liable, for the {$310.00} balance that XXXX XXXX is reporting on my credit report with XXXX. THis debt is the result of a long-time dispute with XXXX, and their refusal to take responsibility for their own errors. The amount they are trying to collect is the result of XXXX fraudulently adding my brother to my policy without my permission or knowledge. I never gave permission to allow him to be added to my policy, and XXXX was culpable in the fraud. If XXXX can show proof that I ( personally ) accrued charges that were not paid, but I refuse to pay for charges that were fraudulently added to my account.
06/14/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MO
  • 65802
Web
I have previously filed a report to you about this company. The company told me that they would get back to me with information regarding this debt. They never did. The complaint filed with you was closed. I assumed the matter was closed as I do not owe this debt. On XX/XX/2019 I received an email from XXXX XXXX of Caine & Weiner asking me to pay this in full and threatening to report this on my credit. I have replied once again that I do not owe this debt. I feel like this company just wants to keep sending these emails with the hopes that I will eventually just pay them. They have offered no proof that I owe this debt.
01/22/2021 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • AL
  • 368XX
Web
XXXX and XXXX is reporting an account with XXXX XXXX on my credit reports. I sent a letter ( see attached document ) to XXXX and XXXX requesting that they validate the debt. I asked for specific documents including the agreement between them and the original creditor, the original contract with my signature on it, a complete payment history for the account, proof that their company is registered to collect in my state and other information to validate this debt. XXXX and XXXX failed to supply this information. Yet, they continue to report this account on my credit reports in violation of the Fair Debt Collection Practices Act.
01/27/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • MI
  • 48187
Web
XXXX and their representative credit company Caine & Weiner put a fraudulent debit on my account, as they are claiming I have not returned the laptop which they issued me, which I already did and now they are saying its not a correct laptop and in essence put a charge of {$930.00} charge against me and also still have the laptop which i returned, so they have the lap top and wants more money, when I explained that to Caine & Weiner they said since they already reported this to XXXX major credit companies, they will not correct it and they are convinced, that XXXX claim is corrrect, even thought that they still have the laptop.
08/03/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Was not notified of investigation status or results
  • CA
  • 92562
Web
I had a XXXX XXXX in XX/XX/2022. Several months ago I started to look into my credit reports. I saw several inquiries and collection agencies who had items being reported that were the same or duplicate reports. I sent US Priority mail to XXXX and XXXX regarding these issues. I never received any letters and or status regarding the report.I have also not seen any changes or new notes on these accounts. I want to know why my credit information is being shared with multiple unauthorized companies. In none of my credit applications did I agree to share my private personal information with whomever ( personal and or business ).
06/28/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • 30350
Web
This complaint is regarding account information below that has not been investigated and no information given. Its been over XXXX months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
02/28/2022 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • GA
  • 30093
Web
Caine & Weiner violated my right as a consumer. On XXXX, the mailed a letter informing me of their intent of collecting a debt and on XXXX, i mailed them a notice alerting them of their unlawful debt collection practice and asked them to stop such collection practice immediately. I also included an affidavit, notice of fault and opportunity to cure and a cease and desist notice which can found in the attachment. Insipid of all that, they ignored my cease and desist notice. evidence can been from an XXXX credit report pulled on XXXX. XXXX XXXX, Assistant Director of the The Office of Enforcement of the CFPB, PLEASE ADVISE.
07/05/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • NY
  • 11520
Web
A count my settled - paid in full, my credit score was dropped 50 point after updated infor mation. 2. XXXX list 2 separate account even though I have 1 account and make one payment because loan transferred to XXXX XXXX XXXX I had late payments during the Sandy strorm There was no consideration during that period of displacement, and loss of vehicle and change in lifestyle expenses. Also living out of my house since XX/XX/XXXX sand Storm to XX/XX/XXXX for home repairs then XX/XX/XXXX to present for Goverment New York Rising elevation project. Paying Hotel expenses and mortgate. with tototal 30 month rental assistance.
06/28/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • 30135
Web
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
03/22/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • DE
  • 19803
Web
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
02/19/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • OH
  • 44313
Web
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
01/26/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • 30080
Web
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
07/11/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • OH
  • 44087
Web
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
07/25/2021 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TN
  • XXXXX
Web
On XX/XX/2021 I pulled my credit report and there was a debt collection agency by the name of Caine and Weiner asking for the amount of XXXX. I have never done any business with this company. I sent the company a letter dated XX/XX/2021 to ask them to valid or verify that this debt is mine. The company sent me a final bill from an insurance company with an amount owed of XXXX, The company did not verify with a signed contract, with a list of services that I was contracted with them. The company also did an hard inquiry with my authorization and inaccurate information is being reported on all three of my credit reports.
03/10/2021 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • FL
  • 32832
Web
I'm lodging a formal complaint against both Caine & Weiner and XXXX XXXX, as it is my conviction, they disregarded my privileges under the FCRA. Reporting inaccurate information about its status to the credit bureau. I didn't notice this error right away, that this was an already reported collection. Initially, this was a Debt by XXXX XXXX given as collection to Caine & Wiener. I questioned this record for the subsequent chance to have it eliminated and they changed the comments to wrong and never eliminated the data. They never sent me any letters, calls, or messages with respect to this. Kindly check and eliminate.
01/13/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 91311
Web
I have a debt on my credit that shouldn't have never been added to my report first if all its covid you r not suppose to report anything to credit reports sec of all I have things on here that r not mine I reached out several times no response I want this off my credit immediately XX/XX/2020 it was reported and the name of company is Caine and wiener never did any type of business with these ppl and the debt is for XXXX please look into this and remove it also I'm showing I have XXXX credit cards that r open in my name I have zero credit cards in my name i had 1 card and it's now closed i believe this to be fraudulent
07/14/2017 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • UT
  • 84107
Web
A debt in the amount of {$170.00} has been placed on my credit report by collection agency of Caine and Weiner ( on behalf of XXXX XXXX ). This debt has been settled/satisfied and closed by XXXX XXXX as of XXXX/XXXX/2017. This debt has been removed THREE times over the past five months, but continues to resurface on my credit report! This matter has made me feel frustrated and helpless in my efforts to repair my credit report. Each time the debt resurfaces onto my report, my credit score is affected. My credit score has been going up and down like a Yo-Yo, jumping from XXXX to XXXX, due to this debt.

PLEASE HELP!

12/11/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33334
Web
XXXX XXXX company is trying to charge me {$3700.00} after I never received a computer that was left on my porch on XX/XX/XXXX and somebody stole it from me. I tried to communicate many times to XXXX XXXX to help me with this problem and they refuse to give me a refund or a replacement after I sent them the police report. So I needed to filed a dispute with my bank to get my money back. Now, after 6 months they send me to collection for something that I never received expecting me to pay them this amount. Even though I have no credit card or account with them, they are sending me to collection because an online order.
09/23/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • TN
  • 38464
Web
I canceled my insurance policy online early bc my car was no longer in commission. The website was down and so I called to verify it was canceled a few days later. The representative adjusted the cancelation to be prior to the bill due date due to the website issues and assured me I owed no further amount due. Now my credit score has decreased by XXXX POINTS for this unfair practice without ever receiving any collections attempts or so much as a phone call from XXXX. I have worked so hard to restore my credit from the XXXX for this non sense to erase at least a year of hard work and sheer determination to do better!
08/07/2016 Yes
  • Debt collection
  • I do not know
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • NC
  • 28205
Web
I have asked Caine & Weiner to validate a collection they are reporting on my credit reports on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
02/23/2022 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MO
  • 641XX
Web
Complaint # XXXX XXXX XXXX sends out a monetary demand to company and employee 's there of Caine and Weiner for FRAUD and Fradulently reporting to the XXXX credit bureau 's causing XXXX XXXX 's credit to decrease by XXXX points. This Fraud cost and harmed XXXX XXXX causing a XXXX which hindered the purchase of business equipment. Due to pain and suffering XXXX XXXX request {$1.00} XXXX dollars of true currency backed by gold and/or by way of bitcoin. Due to this error. Please acquire through CFPB banking information as to where your company or bonds/insurances may present payment. Thank you in advance, XXXX XXXX.
09/19/2018 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • NJ
  • 08054
Web
collection company calling on my cell phone company name : XXXX and person name is : XXXX XXXX number is XXXX and using tax massage number XXXX XXXX : XXXX asking for XXXX XXXX balance I told so many time don't call my cell phone but still calling 2 or 3 time day and today send me Tax Massage. I don't know about this account and did not verified asking for business account saying but this business being closed and can not verified any claim. he is harassing and abusing language. I don't give the permission to call on my cell phone ever think should be done by mail and mail only but still calling on my cell phone.
11/25/2020 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • PA
  • 19320
Web
I have repeatedly disputed this account with Caine Weiner, and I have never ever received anything in the mail from them. They have called me in attempts to collect this debt, DURING A PANDEMIC! I have no idea who Caine Weiner is, who they are collecting for, or why they've intruded onto my credit report. I believed I had the right to request validation of this debt, but hey have provided me none, however the credit bureaus have stated the account was verified by Caine Weiner. How is it possible that they can provide verification to them but not me? HELP ME! I have no idea what to do about this obvious defamation.
10/06/2022 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • MI
  • 48205
Web
Caine & Weiner has violated my Federally Protected rights under the Fair Debt Collection Practice Act. They are using my consumer report with extortionate means to coerce and swindle me into paying an alleged debt. I was never obligated nor responsible to pay an 3rd party debt collector. They failed to provide documentation and to let me validate the alleged debt before furnishing the tradeline. Caine & Weiner are using my consumer report with extortionate means to coerce and swindle me into paying an alleged debt. You are now on Notice to Cease Communications from me from all mediums as stated in my attachment.
01/12/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • WA
  • 98499
Web
I disputed an alleged debt with Caine & Weiner. All of the consumer reporting agencies deleted this account from Caine & Weiner off of my consumer report. Caine & Weiner has since reinserted this unverified, inaccurate, alledged debt to XXXX again. This is a direct violation of the Fair Credit Reporting act. According to 15 USC 1681i ( B ) ( II ) a written notice must be given no later than 5 days after reinsertion. I never received any notice. Caine & Weiner also violated 15 USC 1681i ( B ) ( I ) which states that information cant be reinserted without the information being reported 100 % complete and accurate.
06/21/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 92069
Web Servicemember
So the complaint is against Caine and Weiner. I have sent over proof that I don't owe the debt amount of debt that they are trying to collect on. I a m being charged for a apartment that XXXX XXXX had had wrongfully accuse me of leaving a dirty apartment and for 3 months back rent. I have sent over proof that I don't owe the debt and they said that they have sent the information back to the original debtor so as to adjust the debt. Its been a month and I have gotten nowhere. I have worked with the boss a mr. XXXX and he is no help at all. Submitted below is copy of the lease as well as pictures of the apartment.
10/10/2017 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • 30519
Web
I have been fight with the credit reporting agency for all three XXXX XXXX and XXXX for about 8 years i have been a victim of identity theft. they removed it once and then put if back on my report. i have filed police reports as well over and over again. there are 4 items. there is a new one and i called them and explained that i do n't know who they are i dont have any credit with them its a law office and they keep robo calling me and will not remove from my report and threatening to keeping adding it on my report .i all ready have a duplicate from them now. there 's a bankruptcy on my report that i never had
08/29/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • MS
  • 39180
Web
15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
05/21/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 344XX
Web
I have already made a complaint with the company Caine & Weiner each time they take it off my credit report then put it back on with a new date trying to pass this collection off as new debt on my credit report I do not owe money to this company nor have I ever signed any contract with them. This is not my debt nor do I owe money to the company they say I do. Please have this removed from my credit report and please make sure they dont add it back like hey have been doing every time I make a report. They are reporting false allegations towards me with wrong dates and amounts to a company I do not owe money to
12/01/2023 Yes
  • Debt collection
  • Other debt
  • Electronic communications
  • Frequent or repeated messages
  • MD
  • 20874
Web Servicemember
XXXXXXXX XXXX XXXX, want tobe in business. so but never was in business. Insurance company XXXX XXXX XXXX XXXX XXXX ) asking fee ( over $ XXXX ) audit fee. We told them and proof them so many times we never perform any business. Their inspector also agreed. Company should not be responsible for audit fee. plus they are looking this dept from me personal. This is a closed Corporation. I was a XXXX in papers. They e mail me and harassed me every week. this is the information XXXX XXXX Senior Commercial Collections Agent Direct XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX www.caine-weiner.com
06/29/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • NJ
  • 07860
Web
An original letter dated XX/XX/2019 requesting the inaccurate entry being reported under, I have recently been informed that there is negative information reported by Public Records - USBK Court New Jersey Docket # XXXX in the file you maintain under my social Security number. Upon reviewing a copy of my credit report, I see an entry : XXXX XXXX XXXX. # XXXX {$500.00} Caine & Werner # XXXX. {$380.00} XXXX XXXX XXXX XXXX # XXXX {$1200.00} XXXX # XXXX Please feel free if you should need any additional information. I can be reach via e-mail : XXXX or mail XXXX XXXX XXXX XXXX, NJ. XXXX. Sincerely, XXXX XXXX
10/25/2021 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • NY
  • XXXXX
Web
" XXXX portrayed itself as an affordable alternative for us looking to lower their energy bills, but sales reps misled us about solar energy contracts and failed to provide essential information that would have allowed us to make informed decisions, '' robot-calls and receiving open letters in mail box allowing public shamming, exposing my personal information to public with false information from debt collection from this company " A Professional law corp '' caine & weiner XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX amount of {$28000.00}. Re : notice of default ( the customer agreement ) C & W account # XXXX
04/03/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33189
Web
Hello, The card was used for the payment of an enterprise car rental back around XXXX yrs ago, I made the complaint with the store they said that they will provide me the credit never happen I decide to contact my XXXX XXXX credit card and dispute the charge and after their investigation, the payment was back to me. Now after almost 5 yrs I decide to check my credit score and looks like the XXXX sent me to the collection and I was never informed to a company Caine & Weiner XXXX XXXX ) XXXX XXXX I call and is over 3 months and they still don sent me an official letter explaining the outstanding balance.
06/30/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • SC
  • 290XX
Web Servicemember
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
10/21/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 95833
Web
Collection company Caine & Weiner ( file number XXXX ) placed a debt on my credit report that doesn't belong to me. XXXX XXXX XXXX, the collector of my account at Caine & Weiner, informed that they provided the correct information for the person that they were looking for ( wrong address, birthdate, and license number ), but XXXX entered the wrong information and placed it on my credit report. When I talked to a rep with XXXX they blamed Caine & Weiner, and said they would have to submit information to correct it. Meanwhile i'm stuck with a negative account on my credit report that doesn't belong to me.
02/11/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • SC
  • 29229
Web Servicemember
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document of my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
02/10/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 32208
Web Servicemember
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document of my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
12/29/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • SC
  • 29072
Web Servicemember
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document of my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
10/14/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NJ
  • 08401
Web
In 2019 I sold my XXXX XXXX it had bad engine problems I sold it as junk And I cancelled the insurance on it. XXXX still billed me after I cancelled it and harassing me about it. Why should I pay insurance on a car I sold, I cancelled the account in advance so I wouldnt have a payment on a car I didnt have anymore. The woman I spoke to on phone was very rude about it and refused to hear what I had to say to her when I called to dispute the charge on my credit report. I cancelled the insurance before I even sold it because the car was undrivable and smoked because of the transmission and engine problem
08/13/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • NJ
  • 074XX
Web
On XXXX there are 5 items that must be removed because they are false. 1. {$160.00} : XXXX XXXX : It says it is from XXXX. I have a prepaid phone; meaning I pay in advance then get my service. I have no idea when and where this showed up 2. {$170.00} : Caine & Weiner Progressive. I do not owe any money to XXXX. I waited to policy completed and I renewed with XXXX. 3. {$1500.00} : XXXX : some emergency room fake charge. Listed three times with different dates exact amounts. FAKE. I have insurance 4 {$1500.00} 5 {$1500.00} Kindly remove all 5 charges listed on my XXXX report because they are false.
04/26/2019 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 77047
Web
On XX/XX/19 I sent a letter to the credit bureaus asking them to validate the debt from Caine and Weiner because I was unfamiliar with it. XXXX removed the account. XXXX continued to report the debt even though it could not be validated. On top of the debt not being validated. There is another company collecting on the same debt. How is that possible when the law states that only one collection company can collect on the debt? I requested validation from Caine and Weiner on XX/XX/19 and I never received the proper documents and they have yet to remove the account from my credit XXXX Credit report.
03/02/2017 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • MO
  • 63501
Web Older American
I contacted Caine and Weiner - XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX to discuss installments to take care of an old and disputed ambulance debt. In setting these up, I happened to ask about a settlement cost. The kid put me on hold to talk with his manager and then returned to tell me that a " settlement '' of the debt could be attained for {$920.00} and change. While this was a hideous amount for me to budget, I agree to use my XXXX XXXX card to do so. I was told the " settlement '' information would get to the credit bureaus in about a month. I checked the bureaus and they show a balance demanded.
02/05/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • XXXXX
Web
On XXXX XXXX, 2020, CAINE & WEINER COMPA ( Opened XXXX XXXX, 2020 ) add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor*s creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA CAINE & WEINER COMPA has violated my rights as a consumer and I requesting legal action to remove this account immediately.
01/22/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MO
  • 63376
Web
I disputed this debt sometime ago with this same collection agency. They could n't provide validation and this account was removed from my credit report. I paid the original creditor in full and do n't owe them a penny. After this debt was removed this was placed back on my credit today with no notification no letters no contact after removal. I do n't like there dirty collection tactics, I cant not be forced to pay I debt I do not owe I do n't not have a contract or account with this company and I need this account removed again and never put back unless they can provide me a contract with them.
06/14/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • OH
  • 44128
Web
On XXXX XXXX collection agency ( Caine & Weiner ) add a derogatory mark on my credit report per experian. Upon, further research, this account was transferred/sold and i am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there is No written communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it mines. According to the FCRA. ( Caine & Weiner ) has violated my rights as a consumer and I'm requesting legal action to remove the account immediately.
04/13/2022 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • FL
  • 33610
Web Servicemember
I was trying to add my car to the insurance company XXXX, they in turned tried to charge me XXXX and something to add a car that my policy was almost up and I told them never mind and I would get me some more insurance and I did with the XXXX paying way less than XXXX something to add a car and they still ended up trying to charge me to add the car to my insurance and now has come after my credit by putting it in collection with my credit companies using the collection agency of Caine and Weiner and all this messing up my credit for car insurance I didnt have with them but with another company
12/08/2021 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • OK
  • 74012
Web Servicemember
I have submitted several online disputes and have wrote several letters requesting information on the following account " CAINE & WEINER '' for XXXXXXXX XXXX '' that is reported on my XXXX and XXXX report. I have sent several debt verification letters asking them to prove this is my debt. This debt isn't mine! This is fraud! It will not let me open any more disputes online via the XXXX and XXXX website and that is against the law. Its been 30 days since I have sent them the debt verification letter and I'm requesting them to REMOVE CAINE AND WEINER from my XXXX and XXXX report ASAP per the LAW!
09/11/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 77338
Web
On ( XX/XX/2022 CAINE & WEINER ) add a derogatory mark on my credit report per XXXX XXXX upon, further research, this account was transferred/ sold and i am no longer responsible for the account. Debtors ' creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it's mine. According to the FCRA XXXX CAINE & WEINER ) has violated my rights as a consumer and i am requesting legal action to remove this account immediately.
09/02/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NY
  • 115XX
Web
There are a few accounts on my credit report that I've never given consent or permission to give me any lines of credit under my credit report or to run my credit or put unauthorized inquiries on my report 1. caine weiner ( XXXX XXXX ) -date XX/XX/XXXX -amount {$380.00} 2.XXXX XXXX ( student loan ) -date XX/XX/XXXX {$13000.00} 3. us dept of ed ( student loan ) -amount {$9900.00} -date XX/XX/XXXX 4. XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) -date XX/XX/XXXX - {$1100.00} 5 . XXXX XXXX XXXX -date XX/XX/XXXX - {$1000.00} 6. XXXX XXXX XXXX ( sold to XXXX XXXX XXXX XXXX ) -DATE XX/XX/XXXX - {$1100.00}
11/01/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NY
  • 14612
Web
On XX/XX/2017 XXXX added a derogatory mark on my credit report per XXXX XXXX. Upon further research this account was transferred/sold to Caine Weiner and I am no longer responsible for the account. Debtor 's creditor did not verify this account. There was NO written form of communication, contract, or signature for this accused debt at all. A bill without a written signature does not validate the debt. Anyone can send a bill and claim that it is mine. According to the FCRA act, XXXX XXXX has violated my rights as a consumer and I am requesting legal action to remove this account immediately.
09/27/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • PA
  • 19111
Web
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. The XXXX and XXXX Credit Bureaus are reporting inaccurate information on CAINE WEINER ( Original Creditor : XXXX XXXX ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
02/19/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • XXXXX
Web
On XX/XX/XXXX, CAINE & WEINER ( Opened XX/XX/XXXX ) add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor*s creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA CAINE & WEINER has violated my rights as a consumer and I requesting legal action Please remove collection from my credit reports.
04/12/2019 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • OH
  • 440XX
Web
Called Caine & Weiner to discuss an account on my credit report. was told i had two account and I asked for a settlement. A settlement letter was sent and i sent in the payment along with a letter asking ot be sent ot me that my account was settled or paid in full. Never received a letter back and the check cleared the bank. I called and spoke with a manager at Caine & Weiner and she asked if she could call me back to review my account. She stated a mistake was made with my account and that they would honor the settlement letter, Now the CFO stated they will not honor the settlement letter
06/11/2022 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • NY
  • XXXXX
Web
CAINE & WEINER violated my right on XX/XX/2022 I recently got a message on my XXXX XXXX and XXXX credit report that I had a collection account CAINE & WEINER. I have never received notification Pryor to seeing the account pop up on my credit report. there in violation of 15 U.S. Code 1692c i have no knowledge of this debt or the original Creditor. Also the XXXX XXXX is located at XXXX XXXX XXXX XXXX XXXX, CA XXXX and is not allowed to collect Debt in New York State XXXX CAINE & WEINER Opened XXXX XXXX, XXXX Account number unknown Balance {$490.00} on XX/XX/2022 Original balance {$490.00}
02/16/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • UT
  • 84070
Web
I temporarily had auto insurance on a temporary vehicle through Progressive XXXX. The policy lasted six months and was paid for and cancelled. Progressive tried to collect beyond this even though the policy was cancelled and not in effect. They were not insuring me for time that was not paid. They claim a balance of {$370.00} and sent to collections via Cane and Weiner. The policy was cancelled XX/XX/2021 fully paid, and in XX/XX/2021 they said I owed {$370.00} but could not provide me with documentation as to how that amount was owed after the policy cancelled while being paid in full.
07/20/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 76502
Web Servicemember
Since XXXX of 2022, I have been attempting to get this erroneous information deleted from my credit report with XXXX that is appearing TWICE. The amount is {$150.00}, and I have demanded verifications and investigations repeatedly, only to receive generic responses that this debt has been proven to belong to me. I have demanded information to include the original creditor, their name/address/phone number, the account number, and amount owed, the date it was transferred to them, a copy of the written agreement, and information ( name/address/phone ) of the person that verified this debt.
07/15/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • 30345
Web
I am very annoyed and disappointed when I got my credit report just today. I have researched my rights on the internet regarding whats happening on my credit report. I dont know if you are playing games with me because I KNOW MYSELF, I KNOW MY ACCOUNT, I KNOW IF I PAID ON TIME OR NOT, I KNOW IF THIS IS MY ACCOUNT OR THERES SOME ANOMALLY GOING ON HERE. PLEASE Im begging you to investigate what is happening on my credit report. Im listing down all of the information below that is clearly a 100 % inaccuracy on my credit. Account name ; CAINE WEINER Account Number ; XXXX XXXX ; {$180.00}
08/20/2021 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 33319
Web
In XX/XX/21 I sent a letter to caine and WEINER to verify this debt. The letter was received on XXXX it was sent by certified mail receipt # XXXX. I never received a response or follow up on my letter ... let me say that again I never received a response from this company. This company would love to lie and say they sent me a letter regarding this account ( I would love to see that proof ). As you can see were almost in the month of XXXX. Its been pass 30 days this is a violation Im requesting removal of this account. Not a XXXX dollars but for you guys to honor my rights as a consumer
07/03/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Credit monitoring or identity theft protection services
  • Didn't receive services that were advertised
  • DE
  • 19904
Web Servicemember
THERE IS A CAINE & WEINER WHO IS REPRESENTING THE ORIGINAL CREDITOR PROGRESSIVE INSURANCE THAT IS REFLECT ON MY CBR AS NEGATIVE IN WHICH I NEVER HAS THIS ACCOUNT ... THEIR CONTACT INFORMATION IS P.O BOX XXXX XXXX XXXX, CA XXXX ... .THERE IS ALSO AN XXXX XXXX XXXX ACCOUNT THAT REFLECTS AS NEGATIVE ON MY CBR IN THE AMOUNT OF {$1200.00}. THE ORIGINAL CREDITOR IS THE XXXX XXXX XXXX .THIS IS ANOTHER ACCOUNT THAT DOES NOT BELONG TO ME. I AM UNAWARE OF HOW THIS IS BEING ATTACHED TO MY CBR ... PLEASE DELETE THESE ACCOUNTS ASAP DUE TO THE NEGATIVE EFFECT IT IS HAVING ON MY CREDIT REPORT ....
02/08/2022 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NY
  • 11236
Web
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The 3 Credit Bureaus are reporting inaccurate information on CAINE & WEINER COMPANY. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. CAINE & WEINER COMPA ( original creditor : XXXX ) XXXX Balance {$1500.00} ; CAINE & WEINER COMPA ( original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance {$79.00}
09/19/2019 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • TX
  • 751XX
Web Older American
XXXX XXXX XXXX charged something against my credit report. When I found it, I call them right away. After they researched it they discovered there mistake. They call me and told me that they would take it off my credit report and also notified the collector. They did remove it from my credit report. The collector continues to call me. They tell me I am lying and that I owe this money. This is very upsetting and causes my XXXX XXXX to raise. They will not listen to reason. I think this is harassment. The name of the company is Caine @ Weiner XXXX. Can you help me to get this resolved?
04/25/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TN
  • 377XX
Web
I have received a collection letter from Caine & Weiner a debt in the amount of {$600.00} to XXXX XXXX XXXX. I have NEVER requested insurance from XXXX ; however, this policy covered a car which belonged to my son on which I was a co-borrower. IF I am responsible for this debt why didn't XXXX contact me BEFORE turning it over for collection!? This seems to be an unfair and deceptive practice. The debt dates back to 2017! I am asking that XXXX provide proof that I am responsible for this debt AND an explanation as to why I was not contacted prior to the debt being sent for collection.
08/12/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • CA
  • 95330
Web
I have a loan with XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ), XXXX XXXX ( Original Creditor : XXXX XXXX ), and CAINE WEINER ( Original Creditor : 01 XXXX XXXX XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, TXXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX ( Original Creditor : XXXX XXXXXXXX ), and CAINE WEINER ( Original Creditor : 01 XXXX XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.
01/11/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • IL
  • 62040
Web
On XX/XX/2019 Caine Weiner added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold, and I am no longer responsible for the account. Debtor 's credit did not verify this collection. also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, Caine Weiner has violated my rights as a consumer, and I am requesting legal action to remove this account immediately.
03/01/2021 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Impersonated attorney, law enforcement, or government official
  • AZ
  • 85308
Web
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., XXXX., in accordance with basel 3 accord and XXXX XXXX.
06/19/2022 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • IL
  • 60636
Web
On XX/XX/2022 Caine & Weiner received my demand for debt validation Pursuant 15 USC 1692g requesting a full audit trail, including a ledger signed by the accountant who oversees Account # XXXX. Caine & Weiner sent me a copy of a final bill from XXXX XXXX XXXX XXXX in response. This final bill gave me no information to verify this alleged debt, as Id never done business with them. Caine & Weiner is preventing me from exercising my right to validate a debt. This is directly impacting my ability to secure new lines of credit. California Attorney General, XXXX XXXX, has been copied.
06/24/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • TX
  • 75020
Web
I cancelled my auto insurance policy with XXXX as they unfairly raised my rates for an auto accident I wasn't even involved in. Additionally, there was no money paid out on any claims nor was I charged a deductible. They also raised my rate for a ticket I got around XX/XX/2019 and was a non-moving violation that should not have had any effect on my policy. I had XXXX for about 5 years and they have certainly made their money from me. Over thousands of dollars. Now they've sent me to this collection agency for {$150.00}. This is beyond belief!!! I absolutely will never pay this!
02/19/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • TN
  • 37042
Web
I actually have no knowledge of this account. When I log into XXXX XXXX this collection does not pop up on my report. A letter was not sent to me requesting that the debt they assume I owe be verified. They never notified me through mail stating I am responsible for a { {$100.00} } bill from XXXX. I was never sent a bill as a validation of this debt, but I need an original validation identifying of my signature stating I had an account with the company. If they can not provide original documentation bearing my signature, I want this collection item removed from my credit report
08/03/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • GA
  • 30349
Web
Caine & Weiner is reporting an erroneous debt on my credit file that I do not owe. This is for an insurance company that I switched out of but called and paid in full before doing so I called directly to the original creditor to pay the balance and I was under the impression that I took care of it. There shouldn't be a balance and this account should of never gone to collections. I was never made of aware of a balance. I never received calls, letters, or collection notices which is a violation of my 30 day right to dispute for this account that shouldn't even be in collections.
12/04/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 333XX
Web
On XX/XX/2020, CAINE & WEINER COMPA add a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor*s creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA CAINE & WEINER COMPA has violated my rights as a consumer and I requesting legal action to remove this account immediately.
01/03/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • TX
  • 75241
Web
I sent disputed to XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion
10/28/2020 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 77073
Web
I contacted Caine and Weiner about a debt and asked that they provide validation. I sent the letter certified to make sure they got it ( the certified number is XXXX XXXX XXXX XXXX XXXX ) and they got it in their office XX/XX/2020. After not hearing from them I sent another letter telling them they have to stop collection activities because they ignored my request and they trying to collect on an invalidated account. I, too, sent that certified. To this day they are still reporting this account on my credit report yet haven't provided any information about this alleged debt.
06/16/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • TX
  • 77089
Web
The company was asked to investigate and validate the accounts that are being reported to the credit reporting agencies. They failed to do so within the guidelines of the FRCA and FDCPA federal laws. I have been reaching out for months with no to minimal responses that were delayed and avoiding sending any information that has been requested. The information currently listed is inaccurate and has yet to be validated to provide accuracy. It is affecting my overall financial stability due to my credit score showing false reporting. Please see the attachments to this comment.
03/08/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • OH
  • 44135
Web
I was alerted by Caine & weiner collection agency located in XXXX XXXX, CA by XXXX XXXX that a debt was placed on my credit report XX/XX/2018. They never sent me a letter. When I asked for a copy of a contract that I supposedly signed. They decline to send it. Or provide proof I owe this bill for {$540.00}. I was a victim of identity This is not my bill. I want it off my credit report. All my debts I owe are paid on time. I have XXXX for car insurance not XXXX and they dont have no proof that I owe this cause I dont owe this bill. It was a part of a identity Theft issue.
01/15/2016 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CA
  • 92692
Web
Woman debt collector XXXX XXXX from Caine & Weiner from Kentucky. calls my home before XXXX XXXX XXXX time asking me questions about owning a company. I told her to please remove my number from the call list and that it is illegal to call my home before XXXX XXXX she starts arguing with me. She said that she can call and it is not illegal to call my residence. In a few minutes she called back again and hangs up. I then called her back and she begins to argue with me. Illegally calling my home early in the morning is harassment and if this is their practices this must STOP.
11/21/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • KY
  • 410XX
Web
Caine and Weiner keeps reporting inaccurate information on my credit for a debt that is not mine. I didnt receive any written notification about the debt. My credit file says its XXXX XXXX XXXXXXXX. They even noted on my credit report that original creditor cant find individual, yet they keep reporting the fraudulent information on my credit. When I try to call them I cant verify the personal information so they cant help me. Bottom line is its not my debt and they never provided debt validation per my request, therefore the debt must be deleted from my credit report.
04/21/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Old information reappears or never goes away
  • CA
  • XXXXX
Web
2. 15 U. S. C. 1681c section a4 states, Accounts placed for collection it charged to profit and loss which a sedate the report by more than seven years. The statute provides for a maximum length of time, not a minimum, and therefore violates the Fair Credit Reporting Act and should be removed immediately. Also, attempting to collect a debt written off by the original creditor and sold to a secondary company is unlawful and can not be collected. The continued reporting of this inaccuracy after repeated attempts to correct it has resulted in substantial personal damage.
12/23/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • OH
  • 44112
Web
On XXXX XXXX, 2020, CAINE & WEINER add a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA CAINE & WEINER has violated my rights as a consumer and I requesting legal action to remove this account immediately.
07/27/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • SC
  • 291XX
Web Servicemember
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.
07/17/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 32703
Web Servicemember
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.
05/15/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • SC
  • 29210
Web Servicemember
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.
02/07/2023 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 76012
Web Servicemember
On XX/XX/XXXX, I sent a letter to the collection company informing them of my correct address and for more information about the debt they were claiming I owe. Negative marks have shown up on my credit score and need to be removed ASAP because I am trying to purchase a home. On XX/XX/XXXX, I sent an additional letter stating that the negative marks are still on my credit report and they have not provided any proof or evidence that this is owed by me. I sent my letters with tracking and will attached that information to show that they have received both letters.
05/23/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • GA
  • 30909
Web
I received notice from XXXX that this creditor reported a collection on my report. I dont know this company and they have never contacted me. It is against the law to report information to the bureaus without it being validated. I have never heard of this creditor nor have they ever contacted me. Without validating I have any business with them they are breaking the law and I dont owe them nothing. So they need to remove this debt from my report ASAP or Id like to file charges against them for reporting wrong information to a third party in an effort to discredit me.
02/03/2021 Yes
  • Debt collection
  • I do not know
  • Threatened to contact someone or share information improperly
  • Contacted your employer
  • FL
  • 331XX
Web
XX/XX/2021 I was informed that I received a collection call at my job from MrXXXX XXXX w/ cane & wiener. They left their phone number XXXX. I have not once been contacted by them before, and my employer doesnt allow for me to have personal calls at my job. I could lose my job thanks to this. I tried calling them multiple times to ask for them to cease calling my employer as I know my rights. However they have not answered any of my phone calls. I have no prior information as to what this collection call is about, but its imperative for this harassment to stop.
11/08/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Problem with a company's investigation into an existing problem
  • Investigation took more than 30 days
  • PA
  • 183XX
Web
This company 's consistent violations of my consumer rights under the Fair Debt Collection Practices Act have caused significant financial and emotional distress They continue to report an erroneous and unverifiable account on my credit report, despite my repeated requests for proof of claim as required by the FDCPA My efforts to rectify this situation have fallen on deaf ears. Despite the existence of multiple complaints against them for Illegal and unethical practices, they continue to operates implore you to intervene and put an end to thee unethical behavior.
08/16/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • OH
  • 44120
Web
The consumer must contact the bureau regarding notification prior to an entry being re-entered on the credit report. If the consumer believes this is fraud, we ask the consumer to send us the Identity Theft reports ( police report, FTC report, etc. ). Once received by our office, we will send a request to the credit reporting agencies to have this account removed from the consumer 's credit report. As a 90-year old company, Caine & Weiner wants to help consumers in any way possible. Im attaching documents to remove this item could not find an email or fax number
10/31/2022 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Sued you in a state where you do not live or did not sign for the debt
  • KY
  • XXXXX
Web
On Saturday, XXXX, I received a noticed from a law firm stating that they were representing a former employer of mine also stating that I owed this former employer a certain amount of money. As of today 's date, XXXX, I have never received any information concerning this or any other money matter, concerning me owing this company monies. Their recruiting team has reached out to me about coming back to work for them as a XXXX XXXX XXXX and I have responded that I would be interested in a return position with this company. This comes as a very huge surprise to me.
06/27/2019 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • NY
  • XXXXX
Web
They keep mailing me now for months and months saying I owe a debt which I do not. They call my cell phone AT LEAST 6 times per day. I have reached out to them via email and told them FOUR TIMES this debt does not belong to me but they continue to harass me. Today, they called my work, I told them to stop calling me, got a manager on the phone who proceeded to argue with me AFTER I told him to stop calling. I emailed them again immediately after the call and told them that I will be retaining a lawyer for abuse, fraud and harassment. The company is Caine & Weiner
11/08/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Problem with a company's investigation into an existing problem
  • Investigation took more than 30 days
  • PA
  • 183XX
Web
This company 's consistent violations of my consumer rights under the Fair Debt Collection Practices Act have caused significant financial and emotional distress They continue to report an erroneous and unverifiable account on my credit report, despite my repeated requests for proof of claim as required by the FDCPA My efforts to rectify this situation have fallen on deaf ears. Despite the existence of multiple complaints against them for Illegal and unethical practices, they continue to operates implore you to intervene and put an end to thee unethical behavior
09/06/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • AR
  • 72076
Web
XXXX XXXX, balance is XXXX. this debt was settled caine weiner collections. this account is fradulent. XXXX XXXX inquiry was not authorized by me. XXXX inquiry was not authorized by me. XXXX XXXX inquiry was not authorized by me. XXXX XXXX inquiry was not authorized by me. XXXX XXXX inquiry was not authorized by me. XXXX XXXX inquiry was not authorized by me. XXXX XXXX XXXX has been paid in full and settled. XX/XX/2023 XXXX inquiry was not authorized by me. XXXX XXXX credit inquiry was not authorized by me. XXXX XXXX inquiry was not authorized by me.
03/11/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • LA
  • 713XX
Web
XX/XX/XXXX {$260.00} I have disputed the collection. This is negatively affecting my credit. Original creditor XXXX Account opened XX/XX/XXXX. Last reported XX/XX/XXXX. A collection agency is reporting incorrect information on my credit report. It shows an account that has a past due balance. Collection, there should be no balance, past due or otherwise on the account. I do not have a contract with the collection agency that is reporting incorrect information. Also, this collection agency brought the original contract and the debt. Commerce law 15 usc 1681.
04/14/2021 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • IA
  • 507XX
Web
On XX/XX/XXXX I received correspondence in the mail from Caine & Weiner that violates several of my federal rights. On XX/XX/XXXX I sent a notarized affidavit with exhibits to highlight the serious violation of federal law that this company committed. I intend to pursue this matter to the fullest extent of the law being that this company violated my rights and federal law in the process. Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that Caine & Weiner is in violation of 15 USC 1692b ( 2 ), 15 USC 1692b ( 5 ) and 15 USC 1692d ( 1 )
12/11/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • WA
  • 990XX
Web
On XXXX XXXX, 2020, CAINE & WEINER add a derogatory marks on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA CAINE & WEINER has violated my rights as a consumer and I requesting legal action to remove this account immediately.
04/14/2016 Yes
  • Debt collection
  • Auto
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CT
  • 06320
Web
Cain and Weiner claim I owe XXXX to XXXX for an insurance policy that appears to be either duplicate or fraud. They previously sent me a notice about a XXXX policy, however, they amount they were seeking is much higher. They claim they stopped collection efforts but have now sent me a notice looking for XXXX. My vehicle was totaled and no longer in possession of it, motor vehicle is aware and plates were canceled. I have not been in possession of vehicle since on or around XXXX, insurance with XXXX should have been canceled prior, I switched to another company.
10/15/2021 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Attempted to collect wrong amount
  • TX
  • 770XX
Web
caine & wiener send me a letter about collection of XXXX was over paid to my company from XXXX XXXX XXXX i called the caine & and wiener and spoke the person XXXX i asked her to how do i owe this company money and asked her statement. on XX/XX/2021 she send me statement i called her and asked her to show me over payment made to my company and explain to me, she unable to explain to me, she said call company directly, i told her ur collection agency u suppose to explain to me she was unable to explain to me and hangup the phone collection agency REF # IS XXXX
06/16/2017 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Impersonated attorney, law enforcement, or government official
  • WA
  • 98498
Web Servicemember
Had a false claim submitted to Caine & Wiener from seller on XXXX , which XXXX ruled stated I did not owe any money. XXXX XXXX XXXX claimed he was a lawyer, that he did not care that XXXX said I am under no legal obligations, and that I was breaking the law by not paying. When I asked for his lawyer licensing number, he then back tracked and said he never claimed that. He was trying to intimidate me and then very rude afterward, and refused to answer most of my questions. I could not get any information on the company that filed the false claim.
10/04/2016 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • TX
  • XXXXX
Web
I received a call in XXXX of 2016 from Caine Weiner saying they were debt collecting for a debt I asked for proof of a debt they said I need to request it in writing they would not accept my written request. I then faxed, emailed and mailed a request and received. Itching. On XXXX XXXX approx I XXXX a {$60000.00} collection item on my credit report stating it had been " verified '' I have never received any proof of this debt as I demanded In writing in XXXX and they have continued to attempt to collect outside of the 30 days without providing documentation
06/02/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • MO
  • XXXXX
Web Servicemember
I noticed a debt on my credit with Caine & Weiner I do not have a contract with them for any debt this is a fraudulent account. I have never heard of this company. U also do not have a account with XXXX or contract. All of my bill where also protected through Covid protection. This company is reporting I owe them a balance of {$270.00} open XX/XX/2022 I have never opened an account with Caine & Weiner. I disputed this with the credit reporting agencies & they verified this account as correct as if i had a contract with them. & left this n my credit report.
07/15/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Credit monitoring or identity theft protection services
  • Problem canceling credit monitoring or identify theft protection service
  • TX
  • 79912
Web
On XX/XX/2021, XXXX added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debt Creditor did not verify this collection. Also, there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and says it's mine. According to the FCRA, XXXX has violated my rights as a consumer and Im requesting legal action to remove this account immediately.
09/11/2020 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • CA
  • 90220
Web
I called on Caine & Weiner on XX/XX/2020 to pay a debt of {$120.00} and receive a letter of removal from my credit report. I spoke to XXXX and I was told I can not get letter unless I pay the Misc. Charges ( {$240.00} ) and the interest fee ( {$45.00} ) I expressed to them this is not whats on my Credit report. I should only be responsible for what is on my credit report. I was told that it was illegal for them to add those charges on to my credit. Which questions why is it okay to charge me and say I can only get my letter if I pay off the extra charges.
08/20/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 322XX
Web
I began questioning this organization in XXXX of XXXX into XXXX and this supposed obligation has been influencing my credit. The obligation authority hasn't given verification that the supposed obligation has a place with me. This is the fourth time this obligation was sold in the wake of demonstrating that this supposed obligation isn't mine because of the organization 's deficient evidence and a duplicate of a printout bill isn't verification this is influencing my capacity to get another home. I don't have any idea why I'm being dealt with this way.
07/08/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • GA
  • 30315
Web
In accordance with the fair credit reporting act XXXX Accounts # XXXX XXXX XXXX XXXX, has violated my rights. In accordance with the fair credit reporting act XXXX Accounts # XXXXXXXX CAINE & WEINER, has violated my rights. In accordance with the fair credit reporting act XXXX Accounts # XXXXXXXX XXXX XXXX XXXXXXXX, has violated my rights. 1. 15 U S. C 1681 section 602 A states I have the right to privacy 15 US. C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
06/25/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NV
  • 89118
Web
Caine and Weiner XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX & XXXX account XXXX Policy started XX/XX/XXXX policy canceled XX/XX/XXXX Reported to Credit Bureau : XX/XX/XXXX Original Creditor : XXXX XXXX XXXX XXXX ) I wrote them a letter on XX/XX/XXXX to verify this alleged credit, I asked documentation and or attemps of veryfying this alleged credit with me before reporting to credit bureau. This company responded on XX/XX/XXXX and all they sent is a bill of {$350.00}. I signed no contract nor agreed for XXXX to start a policy on XX/XX/XXXX.
11/22/2018 Yes
  • Debt collection
  • Auto debt
  • Took or threatened to take negative or legal action
  • Threatened to arrest you or take you to jail if you do not pay
  • CA
  • 92544
Web
Approx the end of XX/XX/2015My car had service under a warranty at a dealership in which XXXX XXXX XXXX took the agreement and rented me my loaner vehicle until mine was serviced taking a credit card deposit and my CA DL. Soon after I had received a call from XXXX saying it isnt covered and if I dont turn in the vehicle its being reported as stolen. I returned vehicle and received the bill of {$800.00}. Which in turn was submitted back n forth with no one claiming responsibility and now its been on my credit. I have already exhausted all other methods.
09/01/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • IL
  • 60657
Web
In XX/XX/2020 i sent CAINE & WEINER a debt verification letter https : //files.consumerfinance.gov/f/201307_cfpb_debt-collection-letter-2_more-information.doc by USPS certified mail with tracking number XXXX to CAINE & WEINERs lockbox address listed on my XXXX report XXXX XXXX XXXX, XXXX XXXX , CA XXXX CAINE & WEINER had received my latter In XX/XX/XXXX and they failed to respond to my verification letter with any documents after 30 days ( Why they thinks i owe the debt, Original creditor contract, Authority to collect the debt, Last statements ).
04/30/2019 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • SC
  • 29910
Web
XXXX XXXX from Caine & Weiner has contacted me via work email more than 20 times in the past 20 days in regards to a debt that is not associated with me or my company. My husband and I purchased assets only of a small business in XXXX of 2019. XXXX was notified that the company was under new ownership. The previous owner also notified XXXX that the debt had been settled years ago. Despite the fact that this debt does not belong to me or my company and we have asked that XXXX and Caine & Weiner stop contacting us about this debt, her emails persist.
11/10/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NV
  • 89145
Web
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The 3 Credit Bureaus are reporting inaccurate information on CAINE WEINER XXXX Balance Owed : {$110.00} ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
08/18/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • CA
  • 91403
Web
this was for progressive auto ins that i paid before going to collections this caine & wiener co put on all 3 credit reports im collections i sent proof many times of the payment i made before collection it was removed from XXXX XXXX but left on XXXX i disputed it then was removed then put back on 5 times taken off then put back on and this has gone on for awhile i sent proof over over and still they keep putting it on it's affected my credit where now im applying houses for rent getting denied and im about to be homeless because of these errors
06/10/2021 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • NV
  • 89074
Web
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract. Since you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.
06/10/2021 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • NV
  • 89074
Web
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract. Since you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.
02/23/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • PA
  • 19140
Web
I do not owe XXXX XXXX XXXX. I contacted the original debtor ( XXXX XXXX ) and they couldnt find how I owed them at first then they said it was for clean up. I told them to prove it because I didnt leave anything they cant cause they didnt have paper work. I also dont owe Cain and Weiner original debtor ( progressive ) they put this on my report I had insurance with another company and I been canceled them. I also do not owe XXXX XXXX they keep sending me through hoops to dispute this debt and had no account information on me when I called.
08/26/2021 Yes
  • Debt collection
  • Medical debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • CA
  • 93551
Web
CAINE & WEINER Collection Agency is deceptively and fraudulently using abusive reporting practices by reporting an already disputed AND deleted AND removed account to my credit bureau AGAIN. Account # XXXX. Address XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone ( XXXX ) XXXX-XXXX This collection agency is using intimidation, fraud, abusive tactics, and harassment by repeatedly reporting an account that is false and has already been disputed and removed from XXXX. They have now reported to XXXX to intimidate me and cause harm to my credit rating.
08/07/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • LA
  • XXXXX
Web
I have a loan with XXXX ( Original Creditor : XXXX XXXX XXXX ), XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ), and CAINE WEINER ( Original Creditor : XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ), XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ), and CAINE WEINER ( Original Creditor : XXXX XXXX ) with no successful resolution. There was definitely an error on their part.
12/27/2019 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • IL
  • 60827
Web
I was told several times that if I paid the debt that they would remove it from my credit report. I called the original creditors and they explain that it would be on my report for 5-7 years. I asked the collection agency to put it in writing and they refused. If they were going to remove it as they say then hey would put it in writing so they are lying to people to collect on these debts. Im not even sure if I owe it. I asked for a breakdown and the girl just wanted to argue. I want it in writing that they will remove the debt once paid.
01/13/2018 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • PA
  • 19120
Web
Wrote letter on XXXX to CAINE & WEINER that negative item was placed on my credit report without notifying me, which is a clear violation of the early-warning notice clause of FACTA section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit report. Advised CAINE & WEINER to removed incorrect information off my credit report. More importantly, CAINE & WEINER are in violation of FACTA section 623 ( A ) ( 7 ). Never received any correspondence from CAINE & WEINER.
11/07/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • MI
  • 49707
Web Servicemember
Credit Collections company Caine and Weiner has put on my Credit Report a debt owed of {$170.00} for XXXX XXXX. I paid them {$170.00} utilizing my prepaid debit card on XX/XX/2019 and they still have not removed it from my credit report. I have called them twice about not removing it from my credit report and they give me a different excuse each time I called but do tell me I do not owe them anything anymore. It's been 6 weeks. I can not see what their issue is but it's holding me up from getting approval from applying for a VA mortgage.
07/01/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • AR
  • 723XX
Web
After reviewing a copy of my credit report and I realize that as a consumer Caine & Weiner are violating my rights. They are defaming my character and harassing me according to 15 USC 1692d. They are harming my life and my future. As a consumer I have every right to make sure that my rights are not violate, but yet they are being violated. They continuously communicate with me at an inconvenient time about this alleged debt which is another violation according to 15 USC 1692c. I have attached my ID to help identify me and my FTC report.
08/29/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • TX
  • XXXXX
Web
I have a loan with XXXX ( Original Creditor : XXXX XXXX XXXX ), XXXX ( Original Creditor : XXXX XXXX XXXX ), and CAINE WEINER ( Original Creditor : XXXX XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ), XXXX ( Original Creditor : XXXX XXXX XXXX ), and CAINE WEINER ( Original Creditor : XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.
10/05/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NJ
  • 07111
Web
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
06/29/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 91773
Web
I have absolutely no idea what this account is, I have never opened a account with this creditor or had any affiliation with XXXX XXXX and want this removed. I have notified my local Police department ( XXXX XXXX county sheriffs ) of this fraudulent account and have made a police report ( # XXXX ), also I have taken the proper steps to report these accounts to the Federal Trade Comission ( FTC ) and filed fraud/identity theft reports with them along with contacted my local FBI field agenct office in XXXX XXXX to report these accounts.
09/30/2023 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Called before 8am or after 9pm
  • FL
  • XXXXX
Web
A phone call was placed to my personal cell phone number at XXXX XXXX XXXX time XX/XX/2023. I returned the call at XXXX XXXX XXXX Time and requested an email address and mailing address. I spoke with XXXX representatives in which directed me to the website and not grant the information collected. I asked to for proof of the a legal binding contract between XXXX XXXX and Caine & Weiner. If the debt can't be validated, I request that Cain & and Weiner cease all further collection activity and reporting of a debt that isn't owed.
08/18/2023 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NM
  • 87121
Web
THE CAINE & WEINER COLLECTION COMPANY, HAS REPORTED ON MY CREDIT IN ACURED INFORMATION, AND I SEND THEM A LETTERS ASKING FOR MORE INFORMATION ON THIS ACCOUNT, THEY HAS IGNORE MY REQUEST, THEY HAVE LISTED A XXXX XXXX CAR, THAT I HAVE NEVER OWNED, I AM REQUESTING THE COLLECTION TO BE REMOVE FROM MY CREDIT, OR THEY CAN RUN A REPORT ON THE ( XXXX XXXX XXXX ) THAT IS LISTING WITH THE COLLECTION COMPANY, AND SEE WHO REALLY OWED THIS VEHICLE. I NEED HELP WITH THIS COLLECTION DO TO LOCK OF INFORMATION, AND COMMUNICATION FROM CAINE & WAIVER
06/07/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • NY
  • 11772
Web Servicemember
I contacted XXXX and paid in full the owed amount of XXXX I then contacted the collection agency that had the account on XX/XX/XXXX and XX/XX/XXXX, to make them aware and I also emailed proof, the collection agency continued to tell me the debt is owed. I also paid XXXX XXXX XXXX in full and asked if my credit can be updated, I submitted a dispute with XXXX XXXX and was told that the debt was still not paid, and my XXXX XXXX card shows paid in full. And the credit report dispute was closed and my credit report was not updated.
08/12/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Old information reappears or never goes away
  • CA
  • 93551
Web
CAINE & WEINER Collection Agency is deceptively and fraudulently using abusive reporting practices by reporting an already disputed AND deleted/removed account to my credit bureau again. Account # XXXX. Address XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone ( XXXX ) XXXX This collection agency is using intimidation, fraud, abusive tactics, and harassment by repeatedly reporting an account that is false and has already been disputed and removed from XXXX. They have now reported to XXXX to intimidate me and cause harm to my credit rating.
07/15/2021 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • LA
  • 70301
Web
Caine & Weiner is attempting to collect a debt that is not valid. I have requested proof on XX/XX/XXXX in writing. I also disputed the account on my credit report. I requested a validation of debt along with requesting supporting documents binding me to a contract with them that they failed to provide. Instead they sent a verification of the debt letter on XX/XX/XXXX when I clearly asked for a Validation of Debt. They did not provide me the information requested and I demand the account be permanently removed from my credit report.
06/07/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • NY
  • 11772
Web Servicemember
I contacted XXXX and paid in full the owed amount of XXXX I then contacted the collection agency that had the account on XX/XX/XXXX and XX/XX/XXXX, to make them aware and I also emailed proof, the collection agency continued to tell me the debt is owed. I also paid XXXX XXXX Bank in full and asked if my credit can be updated, I submitted a dispute with XXXX XXXX and was told that the debt was still not paid, and my XXXX XXXX card shows paid in full. And the credit report dispute was closed and my credit report was not updated.
08/12/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • False statements or representation
  • Impersonated an attorney or official
  • GA
  • 303XX
Web Servicemember
Initially the company misrepresented themselves as a legal entity, then when we entered into a payment agreement and I paid the settlement amount, later I was told that they do not update with the credit bureaus when satisfactory and complete payment have been made. The balance that is showing as still owed, is the full amount BEFORE the settlement amount was granted and paid by me. I needed to clear this up in order to get my official transcripts sent to my new school, of which I completed my degree and graduated this pass XXXX.
06/09/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • MI
  • 48180
Web
Pursuant to 15 USC 1681 ( q ) ( 3 ) of the Fair Credit Reporting Act hereinafter FCRA, CAINE & WEINER used and intentional perversion of the truth to induce the consumer to be reliant upon it to deprive the consumer of it's right to privacy. CAINE & WEINER reported my private nonpublic and personal information to consumer reporting agencies without lawful authority or actual consent of the consumer thus committing identity theft. These fraudulent actions have caused me to sustain injuries such as a loss of opportunity and wages.
05/16/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33026
Web
Caine & Weiner continuously reports to all credit bureaus that I owe them XXXX dollars. Caine & Weiner has never provided me with any services or provided me with any accurate information such as an account no. that proves I owe them money. I have never done any business with this company to date. The derogatory marks has unfairly hurt my credit score. To resolve this please have Caine & Weiner to stop reporting this inaccurate information to credit bureaus. [ Caine & Weiner XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, CA., XXXX XXXX ]
04/20/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33897
Web
A company I own XXXX XXXX, has a dispute with a credit card processing company " XXXX '' I understand this is a business dispute and a business matter between XXXX XXXX and XXXX that needs to be resolve. However a collection agency Caine & Weiner has turned the business dispute into a personal matter. Caine & Weiner knowing it is a business dispute, as they affirm in their collection notice attached, has placed a collection account into my personal credit file. I contacted Caine & Weiner via telephone, they just ignore me.
01/20/2016 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • AL
  • 35244
Web
XXXX XXXX XXXX of California has confirmed several times that consumer do not owe any overpayment ; however debt collector Cain & Weiner is trying to collect. Consumer had a problem with another debt collector last year trying to collect on this bogus debt, and that matter was resolved and consumer was taken off debt collector 's list. Even though I kept telling this phone rep from Cain & Weiner that he should not be calling me and that I do not owe any overpayment to XXXX XXXX XXXX, he kept stating that I do. Consumer hung up.
12/04/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • MN
  • 551XX
Web
On XX/XX/XXXX I obtained a copy of my credit report and it reflected a debt for Caine Weiner on behalf of XXXX XXXX, however I contacted my insurance company that have been the same for several years and no debt appears on my record, therefore nothing to collect since I do not owe them nothing. Again in XX/XX/2019 I met with my financial counselor and the account still appearing on my report and reported by two of the bureaus XXXX & XXXX. This is affecting my score even more. It is not allowing me to move forward financially.
03/19/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 33067
Web
I RECEIVED A COPY OF MY CREDIT REPORT AND THERE ARE CLAIMED THAT I HAVE ACCOUNT WITH CAINES & WEINER, BUT I NEVER HAD ACCOUNT WITH THEM. I HAVE NEVER ENTERED INTO ANY BUSINESS ARRANGEMENT AND I NEVER SIGNED ANY CONTRACT TO CONDUCT ANY KIND OF BUSINESS WITH THEM. WHEN I CONTACTED THEM THEY TELL ME THEY ARE A 3RD PARTY COLLECTOR, WHOM HAVE NO PERMISSION TO FURNISH ANY INFORMATION ON MY CREDIT REPORT IN THE FIRST PLACE. I DID NOT GIVE THEM THE AUTHORIZATION TO ACCESS MY CREDIT REPORT FOR ANY REASON. PLEASE I NEED HELP. THANK YOU
10/06/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • WI
  • 53218
Web
My name is XXXX XXXX. XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX, XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
07/27/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • 304XX
Web
I am writing to address a concerning issue regarding my credit file. I have noticed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Additionally, I have serious doubts about the accuracy of the debt being claimed. Under the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Therefore, I kindly ask that you provide me with the necessary validation and take the necessary steps to resolve this matter.
07/25/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • NC
  • 28590
Web
Hello I have never had a credit WITH XXXX XXXX, Caine and weiner, and XXXX XXXX. I will like for them to show me documents proving that I have signed up for this credit with my signature. If not which they want have because I have never been with any of these companies.I want removed off my credit asap.XXXX XXXX and Caine and Wener was removed off my credit report and for some reason they were added back on my credit. I never had credit them and want removed for it is causing my credit score/ report to look bad. Thank you
01/15/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33617
Web
I have contacted the company several times about the debt asking them to provide me with a contract that I signed with them stating i owe them what they asking for and to stop collection activity. they did not deliver. the also went and put the collection on my credit report using another address of the collection company and listed it under a false name on my credit report. I sent my final communication to them to remove this account from all my reports and cease all contact and collection activity. they have not complied.
03/15/2018 No
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 75115
Web
In XX/XX/2017, I received a letter from this company regarding a debt that was supposedly owed to them. I sent a request to this company requesting verification of this debt. To date, verification has not been provided. I requested the legal documentation that shows I entered into a financial agreement with this company and theyve yet to provide. I have now received notification that theyve reported this account on my credit profile. This information needs to be removed immediately until requested documentation is provided.
11/09/2017 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • VA
  • 23322
Web
I have had dealings with XXXX XXXX, I will admit this but not once, in any written letter or e-mail sent to me, have I ever received a bill saying I owed them money. What is this debt for? With the data breach, is this debt even mine? And why have I received no letter in the mail from the collector about this debt before they are allowed to put a negative mark on my credit report. I disputed this once with XXXX already and they put it back up again and I still have no letter in the mail. I am definitely disputing this debt.
07/15/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NY
  • 10469
Web
I have reviewed my credit report, after full examination of my Consumer Report, showing inaccurate information. According to the XXXX XXXX XXXX Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information accurately to the best of their abilities. I have paid Debt Collector Caine Weiner in full and they responded with letter verifying it would be removed all of my Consumer Report immediately upon review it is negatively impacting Consumer Report, and reporting inaccurately.
05/24/2023 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Indicated you were committing crime by not paying debt
  • FL
  • 33612
Web
I am writing to request the deletion and removal of the accounts and information listed below from my consumer report. It is clear that these accounts and information should not be reported on my consumer report, and their inclusion constitutes a direct violation of the FDCPA and FCRA. Therefore, I urgently request that these accounts and information be promptly deleted and removed from my consumer report to rectify this violation of multiple laws. I kindly insist on the immediate removal of these accounts and information.
05/03/2023 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Attempted to collect wrong amount
  • NY
  • 14228
Web
As for today I have disputed this alleged debt with this creditor Caine & weiner company to investigate this alleged debt inwhich they claimed to valid this debt of XXXX dollars I asked in reply to their investigation for a method of validation of debt on which a bill was sent back as validation only to have the wrong amount on the bill as of XXXX dollars I replied to reinvestigate this matter in the meantime delete this account inwhich it was twice and as of today put back on my report despite the inaccurate information
07/12/2022 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • MI
  • 48235
Web
Approximately XX/XX/2020, I was fraudulently charged a higher Insurance rate by XXXX XXXX XXXX. I am a XXXX recipient and by law am allowed to opt out of certain insurance products, of which I chose to opt out. XXXX fraudulently applied those amounts, charging me a higher amount, even though I provided proof of my active XXXX status. Through their representative Caine & Weiner, they are continuing to attempt to collect this fraudulent debt and causing me greater hardship by entering this information on my credit report.
11/08/2021 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MD
  • XXXXX
Web
On XX/XX/2021, I received notice from XXXX that a collection account was added to my credit report from a company that I have never heard from. I never received anything from the original creditor about a debt owed to them and now this company is on my credit report stating that I owe XXXX {$880.00}. XXXX never sent a notice and then the collection agency Caine & Weiner Company Inc. I have no idea who this company is and the fact that they are reporting to my credit report and dropping my score is a big problem for me.
07/15/2020 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • MS
  • 39206
Web
Contacted company on XX/XX/XXXX about account owed, amount XXXX, asked rep to to settle at 75 %, was told can only settle at 55 % for {$300.00} or 50 % at XXXX, told me it would reflect on credit report as settle in a lesser amount, asked to if settle amount of XXXX could be accepted, Rep.said no only XXXX and removing from credit report today would only be accepted These amounts do not add up, unfair and un reasonable amounts, percents are incorrect. This account is a auto insurance policy that was cancelled in XXXX
01/27/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • NV
  • 89108
Web
I recieved a letter from a collection agency C & W Caine and Weiner in XXXX Texas stating that they were attempting to collect on a debt owed to XXXX XXXX XXXX in the amount of {$460.00}. This is erroneous. I rented several vehicles over several months from XXXX ' XXXX Airport location. ALL rentaLs were returned and paid on time via my personal VISA debit card from XXXX XXXX. I have documentation to suport this. The collection company in question is Caine & Weiner XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
12/04/2017 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • VA
  • 23322
Web
I have previously stated that I have no debt with XXXX XXXX and CAINE & WEINER COMPANY, INCXXXX has not sent me anything by mail notifying me of a debt or my right to dispute it, violating the law. If they sent the verification certified then they need to send the confirmation that the letter was delivered and to what address. I have received many things from XXXX XXXX through e-mail and regular mail and not 1 thing was a bill. Also, the collection agency has had more than enough time to provide verification of debt.
02/04/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NY
  • 11379
Web
I received a letter from Caine & Weiner that was dated XX/XX/2019 saying that they've been hired to collect debt from me. I do not recognize the company Caine & Weiner claim I owe money from. The letter instructs me to call Caine & Weiner if I didn't recognize the debt and I did call multiple times, on XX/XX/19, XX/XX/19, and XX/XX/19. All three times no one picked up and 2 out of 3 times I left a voice message with my information for them to call me back. I did not receive any phone call back from Caine & Weiner.
02/06/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 93405
Web
in XXXX i was in and out of XXXX XXXX XXXX XXXX treatment. while away my ex-girlfriend and her new boyfriend stole all of my credit cards and maxed them out. they also stole the RV i bought and was living in. i have had no contact with them since i went to treatment. i tried disputing the charges with the banks and collections companies but have been denied each time. all my info was in the RV they stole and my Ex girlfriend was the one to set up my credit card accounts. so she knew all the security information.
10/10/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • HI
  • 96744
Web
A collections from Caine & Weiner showed up on my credit report with a date report of XX/XX/2022 from XXXX XXXX. Age of account is 3 years and 8 months. I do not know what this is. Another collections with the same age date of 3 years and 8 months has already been disputed and submitted as fraud and identity theft. This collection form Caine & Weiner is due to fraud and identity theft. My credit has been frozen due to these identity thieves trying to use my information to open credit cards and financial accounts.
12/20/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Old information reappears or never goes away
  • PA
  • 19139
Web
I disputed 3 collections that was on my credit report. Within that month I decided to buy a house so I called XXXX and XXXX on XX/XX/19 to stop my disputes. It's been over 3 months and the dispute are still showing up on my credit. It's now XX/XX/19 my score dropped because every time my credit gets pulled for my loan the disputes show up. Today I called the debt collector Caine & Weiner Co and they told me either pay my debt or submit info about my dispute. I don't want to continue I want to stop any disputes.
11/06/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NY
  • 11746
Web Older American
Caine and Weiner, a collection agency refuses to remove {$240.00} from my credit report supposedly incurred in XXXX of XXXX from XXXX auto insurance. I never purchased any insurance from XXXX because I was perfectly insured by XXXX during the time they are charging me. XXXX has never communicated with me about the charge and neither did the XXXX and XXXX. When I noticed the charge on my credit report, I contacted XXXX and the charge was removed, now the charge is back on my credit report. This is totally insane.
05/29/2023 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MD
  • 20785
Web
I pulled my credit today, XX/XX/2023, and noticed this account was reporting but I never received anything in the mail about it. As far as I know, all my debt was paid in full to my insurance company so there should not be any unpaid or owed debts to any companies. I do not understand how its reporting when i have never been contacted and to my knowledge, I must get something in the mail before a collection can be reported. i did not even get the opportunity to dispute the debt in any part before it was reported
10/22/2019 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Impersonated attorney, law enforcement, or government official
  • NV
  • 89101
Web
XXXX KEEPS TRYING TO COect money for an account I never signed a contract for or a property address I have no affiliation to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX nv XXXX is not mine and I never have anyone authority to sign for me I asked XXXX for copies of the contract they denied me And my address at XXXX XXXX XXXX XXXX XXXX XXXX nv XXXX XXXX charged me 1 year after I was out of contract I emailed them over and over telling them to stop billing me and my service contract needed and I did not want to remark
11/30/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 92025
Web
I spoke with one of your representatives, XXXX XXXX, on XX/XX/2023, in regarding a debt that appears on my credit report, which I do not recognize. During our conversation, XXXX XXXX was attentive and provided me with information about the alleged debt. However, after thorough review and consultation with my financial records, I still can not identify the origin of this debt. As a result, I am formally disputing the validity of the debt and kindly requesting that it be promptly removed from my credit report.
07/13/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 342XX
Web
After reviewing my credit reports I noticed that you are alleging that the following accounts are Collections without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove these negative and adverse remarks. CAINE & WEINER XXXX ***** Balance {$1500.00} - Opened XXXX XXXX XXXX CAINE & WEINER ( XXXX ) XXXX Balance {$1500.00} - Opened XXXX XXXXXXXX XXXX CAINE & WEINER ( XXXX XXXX ) ***** Balance {$1500.00} - Opened XXXX XXXXXXXX XXXX
11/12/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 93306
Web
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I've not persuaded the 3 Credit Bureaus efficiently please the principles of the Fair Credit Reporting Act in completing their investigation. The Credit Bureaus are reporting inaccurate information on CAINE WEINER. These statuses are damaging to my report, which would not be happening if the bureaus investigated properly before posting derogatory information. Per FCRA, reporting must be 100 % accurate.
10/12/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 313XX
Web
After reviewing my credit I noticed Caine & Weiner placed a collection on my credit. I sent in a debt validation letter on XX/XX/XXXX, immediately after noticing the collection. The letter sent clearly states the timeline in which they are required to respond, as per the Fair Debt Collections Practices Act. I followed up on XX/XX/XXXX, with a letter notifying them of their nonresponse and their responsibility to comply with the law regarding collections. Caine & Weiner is now in violation of the FDCPA rules.
07/13/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 342XX
Web
After reviewing my credit reports I noticed that you are alleging that the following accounts are Collections without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove these negative and adverse remarks. CAINE & WEINER COMPA ***** Balance {$1500.00} - Opened XXXX XXXX, 2022 CAINE & WEINER ( XXXX ) XXXX Balance {$1500.00} - Opened XXXX XXXX, 2022 CAINE & WEINER ( XXXX XXXX ) ***** Balance {$1500.00} - Opened XXXX XXXX, 2022
02/15/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • IL
  • 60506
Web
This is a new complaint filed on XXXX XXXX. This information is unresponsive to my demand. So I respectfully request you to remove this incorrect information from my Credit report. Also, I demanded proof I : XXXX XXXX owe You : Caine & Weiner Company, Inc XXXX. The information you provided was not proof I owe you any money. In fact, Caine & Weiner Company, Incs name was not present once in the ledger provided. Furthermore, Every step must be taken to assure the information reported is completely accurate
10/10/2019 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • PA
  • 174XX
Web
Caine & Weiner just reported a {$150.00} collection account on my credit report. I have never been contacted by this company, and have no idea what it could be. When I call them, all they do is tell me that I can either pay it, or dispute it with the credit bureaus. They give me no details about the account, or where it came from. I recently found out that it is a violation of federal collection law to report a debt on someone's credit report, without first supplying them with a 30-day notice to dispute.
10/19/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • TX
  • 77396
Web
I'm XXXX XXXX, and I need your help getting in touch with this company. To find out who had created an account in my name and why, I made an effort to get in touch with them. I regret that my credit score is now being affected by this serious problem. Since it also breaches data privacy, I don't let anybody to use my name, birthday, or any other information. Instead of me, they need to find the person who established the account in my name and provide them the information. Please help me in fixing this.
01/28/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 33825
Web
This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The CAINE & WEINER XXXX account is not complying with federal law in regards to identity theft. Additionally, the creditor have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file. CAINE & WEINER XXXX
05/24/2023 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Indicated you were committing crime by not paying debt
  • FL
  • 33167
Web
I am contacting you to request the immediate deletion and removal of the accounts and information listed below from my consumer report. It is evident that these accounts and information should not be included in my consumer report, as their presence constitutes a direct violation of both the FDCPA and FCRA. I insist on their prompt deletion and removal from my consumer report to rectify this violation of multiple laws. Kindly take immediate action to remove these accounts and information without delay.
01/30/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 777XX
Web
Although it was understated and proven fraudulent, XXXX inquiry is STILL on my report. XXXX has not heard from me since approximately XXXX of XXXX when I specifically told them I was canceling my insurance because I felt they were overcharging me. ( I disputed this debt but am unable to see decision on my XXXX acct and don't understand the wording next to it on my credit report ). However, they have UPDATED the account to XX/XX/XXXX, though they've NOT heard from me! XXXX SHOULD BE INVESTED BY FBI!
05/02/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • NC
  • 27106
Web
I have received a copy of my credit report and it shows company CAINE WEINER ( Original Creditor : XXXX XXXX ) account numberXXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$330.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
02/23/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • VA
  • 23502
Web
I have an inquiry on my XXXX credit report for Caine and Weiner from XX/XX/2019. I did not authorize this inquiry at all. I contacted XXXX and was told to contact the company ( Caine and Weiner ) that made the inquiry to have it removed. I did reach out to Caine and Weiner and was told that they only placed a collection account on my report, not an inquiry. My XXXX report clearly shows an inquiry from this company on my report and I need help having it removed as it was never authorized. Thank you.
08/28/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • FL
  • 32819
Web
There are ( 2 ) " hard inquiries '' on my credit report that " I didn't not authorize '' or have knowledge of. ( 1 ) XXXX XXXXXXXX ... hard inquiry on XX/XX/2023 ( 2 ) XXXX XXXX ... hard inquiry on XX/XX/2023 There are also ( 2 ) " collections '' from agencies whom aren't authorized to bill me as I have had no contact with said agencies. They are " third party '' bill collectors. I have no knowledge of these agencies or their functions. These accounts were supposedly settled and closed. Thank you.
07/30/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • FL
  • 33401
Web
I have tried to dispute this account multiple times. This is not my account. In accordance with the Fair Credit Reporting act CAINE & WEINER has violated my rights. This account was opened XX/XX/2021 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions I have never received a validation letter. Could you please investigate this account properly.
08/16/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • PA
  • 19111
Web
I have been reaching out to XXXX and XXXX concerning to previous complaint about the inaccuracy being reported on my report. However, XXXX and XXXX have failed to provide me any feedback and updates with regards to my concerns. That means XXXX and XXXX has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Please see this inaccuracy I found on my report : XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXXBalance {$1900.00}
09/21/2021 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • CA
  • 920XX
Web
XX/XX/20 sent certified letter XXXX to Caine and Weiner requesting deletion for the account they are reporting with XXXX. I have never received any documentation to support that any such debt is owed. Additionally, this account reflects that it is over the 7 year statute reporting period and can no longer be legally reported. it is unknown if Caine & Weiner even had the legal authority of such alleged account. furthermore I currently have insurance with XXXX so no old debt would be outstanding.
09/02/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • XXXXX
Web
I was looking at my credit and notice this account. As a XXXX XXXX XXXX man I am not aware of this account and I have concludes this as identity theft. I was not informed if the original company at all. The credit bureau has not worked with me on this matter and has allowed what information they have of mine to be sold to other company. Which is against the law. This account needs to be removed asap. I have contact the police on this matter. I need a contract of my original signature. Thank you
04/09/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 32208
Web
XXXX XXXX # XXXX ( XXXX ) {$670.00} XXXX XXXX # XXXX ( XX/XX/XXXX, XX/XX/XXXX ) {$1700.00} XXXX XXXX XXXX XXXXXXXX ( XXXX, XX/XX/XXXX ) {$97.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX ) {$64.00} Caine Weiner XXXX XXXXXXXX ( XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX ) {$90.00} These companies keep showing up on my credit report and I don't know them with being XXXX had a big breach I would like for these items to be removed. No Actions was done because I didn't know how to locate these companies.
10/08/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • GA
  • 301XX
Web
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.
05/26/2023 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • OH
  • 45013
Web
Collections account from Caine & Weiner showed up on my Consumer Report, without ever reaching out about alleged debt out. I never received phone call or mail about alleged debt owed. I then attempted to contact the company by email and letter, requesting validation of debt owed and never received any correspondence back. I requested validation of debt. To this day, I have never received any communication from Caine and Weiner regarding this debt or any validation that I owe the alleged debt.
04/09/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 32526
Web Servicemember
I have Contacted XXXX and their collection agent Caine & Weiner about this report on my credit report and ask them to proof of this debt and have disputed it with the credit reporting agencies. All I ask is that they send me proof of the debt or remove it. As I had no relationship with XXXX at that time and was insured by a different insurance company I don't feel XXXX should be reporting this with out proving proof. I can't provide and documents as I was not a customer of theirs at that time.
04/11/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • TX
  • 77090
Web
The debt in question is for an account that was paid. I have proof that the debt was paid, receipts, confirmation and records from my bank account. The payment was made in XXXX of 2018 for XXXX XXXX. I don't know how or why this collection agency is trying to collect. The amount was paid for {$220.00}. The insurance policy is XXXX. I am not sure how they got a hold of my information, but this is being reported to my credit files and I need it DELETED ASAP as it affecting my approval rate.
10/09/2018 Yes
  • Debt collection
  • Auto debt
  • Communication tactics
  • Used obscene, profane, or other abusive language
  • NJ
  • 07304
Web
Today XX/XX/2018 I was contacted by XXXX XXXX in regards to a debt that has been pending for a few months now. I communicated that I am having financial difficulties and am not able to make a payment at the moment but that I will as soon as I have some spare money. He got upset and accused me of lying and trying to put off the debt. He continue to say is this what you tell your landlord? What more information do you need? You do know I will report this on your credit, its going to be runined.
08/20/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • WI
  • 53208
Web
I have a loan with XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ), and CAINE WEINER ( Original Creditor : XXXX XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ), and CAINE WEINER ( Original Creditor : XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.
02/24/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • GA
  • 30281
Web Servicemember
I have on several different occasion to include more that 60 days attempted to have the three items in collections removed from my XXXX and XXXX credit files. I have also contacted the companies that entered the collections. I have asked for original signatures on any loans. I have asked for original HIPPA forms with original signature on any medical collection. I have also submitted credit file disputes with the reporting agency. Please remove this unauthorized negative information ASAP.
02/15/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • AZ
  • 85051
Web
I signed up for XXXX XXXX to get a little relief on my monthly insurance premiums. I was not informed that there would be any probationary period nor was I informed that cancelling during that probationary period would cause me to owe anything extra. If I was not informed that this could happen, it should not be on my credit report. I have asked the XXXX XXXX, Caine & Weiner to provide me proof and they could not provide any proof that I was notified of any probationary period at all.
02/16/2021 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Attempted to collect wrong amount
  • TX
  • 750XX
Web
According to the State Licensing Requirements the debt collectors that's collecting on my debt for Caine & Weiner, using address XXXX XXXX XXXX, XXXX XXXX, CA XXXX, isn't registered nor have they paid their bond with the state of Arkansas, for which this where the debt collection started, nor are they up to date/ licensed with the state of Texas XXXX for which this is my current residency, to collect on the debts. By law, they're violating state requirements, making them non compliance.
01/01/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • IL
  • 60506
Web
This is a NEW Complaint filed on XX/XX/XXXX. I am in possession of the papers sent to me on XX/XX/XXXX, The information provided was unresponsive to my demands. I demanded proof that I owe you money, this is not proof that I owe you money. In fact your name is not even mentioned on any of the paper work provided. Furthermore, Please provide proof of this alleged item ... Specifically the Contract, note or other instrument bearing my SIGNATURE, before continuing collection activities!
07/22/2023 No
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TN
  • 37013
Web
I am a victim of identity theft. I had not checked my credit report in years, however I recently obtained a copy of my credit report and found several accounts that had been opened in my name without my knowledge, authorization or approval. I have never had XXXX insurance nor have I ever given authorization for any third party to open a XXXX account in my name. Whatever services XXXX previously opened in my name was a direct result of identity theft. I did not open or use this account.
12/11/2017 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • AZ
  • 85713
Web
I have spoken with several people at this company. Have even emailed information that was asked of me. I do not OWE CAINE & WEINER any money. I have contacted XXXX XXXX who is the person I owe the money to and I have been working with the directly. This XXXX XXXX XXXX company is now reporting to my credit and I want them to stop. I do not owe them ANYTHING. I am in direct contact with XXXX and they have asked me to not deal with XXXX XXXX XXXX either. TAKE THIS OFF MY CREDIT REPORT!!!!
02/16/2021 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Attempted to collect wrong amount
  • TX
  • 750XX
Web
According to the State Licensing Requirements the debt collectors that's collecting on my debt for Caine & Weiner, using address XXXX XXXX XXXX, XXXX XXXX, CA XXXX, isn't registered nor have they paid their bond with the state of Arkansas, for which this where the debt collection started, nor are they up to date/ licensed with the state of Texas , for which this is my current residency, to collect on the debts. By law, they're violating state requirements, making them non compliance.
01/18/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • WI
  • 532XX
Web
Caine & Weiner Company a collection agency has contacted me via mail and I 've never given them my address. They are reporting fraudulently on my credit report for XXXX, it was removed from XXXX. I was in chapter XXXX the summer of 2013 and did n't discharge until XXXX. The original creditor was XXXX XXXX XXXX XXXX which I rented as part of my Car insurance and they are saying I owe them. Which I do n't because anything associated with this car accident was included in my bankruptcy.
06/18/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30252
Web
There are two accounts on my report in collections that do not belong to me. They are Caine and Werner and XXXX XXXX XXXX. I have never had car insurance with XXXX and I have not ever had a XXXX XXXX account. Not only that but they were reporting these accounts on my credit report multiple times with different companies which is illegal. I need you to please help me get this removed. This is fraud. I have attached my police report as well. I look forward to this being resolved asap.
04/29/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 75287
Web
I got a derogatory mark on my XXXX and XXXX credit report stating this account got sent to collections. However, I don't have no knowledge of this debt and, that it doesn't belong to me. I would like to address this immediately and get this negative remark remove from my report. The account was removed and now has being reinserted back onto my credit report without know knowledge of this account. I've proof of account showing deleted and reappearing. CAINE & WEINER COMPANY INC
04/12/2018 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 91367
Web
I sent a debt validation letter to Caine & Weiner for a collection account found on my XXXX credit file. I sent a request for debt validation on XX/XX/XXXX via certified mail. it was received and signed on XX/XX/XXXX. It has been 30 days without communication. I have not received any documentation validating the debt belongs to me as allowed under the Fair Debt Collection Practice Act ( FDCPA ). I attached a copy of the validation letter sent and proof of certified mail received.
12/06/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • VA
  • 23452
Web
This debt collector violated the FDCPA by engaging in abusive, deceptive, and unfair activities. They provided this account on which we did not agree and on which I did not sign an agreement. A legal contract is signed by two parties, and I was not a part of any of them. Furthermore, they did not follow the necessary 5-step validation method, resulting in unfair practices. According to the FDCPA, I am entitled to {$1000.00} each infraction, and they blatantly violated my rights.
12/19/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • FL
  • 33860
Web
Cease & Desist Pursuant to 15 usc 1692c. ( c ) I AM NOTIFYING YOU IN WRITING THAT I REFUSED TO PAY THIS ALLEGED DEBT AND I AM DEMANDING THAT YOU CEASE ALL FORMS OF COMMUNICATION WITH ME THROUGH ANY AND ALL MEDIUMS WHICH I SENT CERTIFIED LETTER ASKING TO DO SO ALSO PURSUANT TO 15 USC 1692C ( C ) ( 2 ) I AM INVOKING MY SPECIFIED REMEDY AS A CONSUMER, AND THE ORIGINAL CREDITOR I AM DEMANDING ALL THE FOLLOWING : XXXX OUT THE BALANCE ON THIS ACCOUNT 2.DELETE FROM ALL CONSUMER REPORTS
02/10/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • AZ
  • 853XX
Web
Company is attempting to collect a debt that is not valid, account was paid in full and closed by me. I have submitted proof of my claim and have requested proof from collector. Collector has only provided me a statement from the original account, the original account has obviously made a mistake of over billing, not my issue. I closed my insurance account, paid the final balance and provided proof of new insurance policy to original creditor. Not reason for additional billing.
11/25/2022 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • MA
  • 02301
Web
The is collection agency noted on my credit report namely CAINE & WEINER who purchase account balances from various large insurance companies in this care XXXXXXXX XXXX XXXX Problem number XXXX : I do not owe money to XXXXXXXX XXXX XXXX company. I had cancelled the policy with XXXX due to unsatisfactory with their products and misleading advertisement. Problem number XXXX : I have not receive XXXX letter and/or notification from collection agency, CAINE & WEINER XXXX XXXX.
04/10/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • MI
  • 48141
Web
In accordance with the fair act XXXX account # has violated my rights. 15 U.S.C 1681 section 602 A. I have the rights to privacy. 15 U.S.C 1681 Section 604 A Section 2. Its also states a consumer reporting agency can not funish a account without my written instructions. 15 U.S.C 1666B : A creditor may not treat a payment on a open credit card account under an open end consumer credit plan as a late for any purpose. XXXX XXXX Caine & Weiner XXXX XXXX XXXX XXXX XXXX XXXX
01/19/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • NY
  • 132XX
Web Servicemember
CAINE and WEINER / XXXX / {$420.00} / XX/XX/2021 No contract with this company. debt was paid and sold without my knowledge. NO CONTRACT = No longer my responsibility. In accordance with the fair credit reporting act these companies ( accounts ) have violated my rights. 15 U.S.C 1681 section 602 A. states I have the right to privacy. 15 U.S.C 1681 section 604 A. section 2 : also states a consumer reporting agency can not furnish an account without my written instruction.
01/16/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • TX
  • 76013
Web
I am being reported by Caine and Weiner for an delinquent account that never was an collection. I paid the exact amount due in XX/XX/XXXX through the original Company ( XXXX XXXX XXXX ) and I was credit reported by XXXX XXXX XXXX in XX/XX/XXXX for an amount that was MORE than what I originally owed and paid in full. Both companies have been awful with communication and didnt resolve anything within a timely manner. Its still on my credit right now and affected me negatively.
12/08/2022 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • VA
  • 22033
Web
I am working on fixing my credit and not sure why this shows on my XXXX XXXX report only. XXXX car insurance is the company. Dont know account number or contact to sort this out with them. Looks like a months premium of {$110.00}. Not sure how to remit or remove to get my report to boost up. Never got a mail or call from them to remit and its already discharged hurting my report. Need to get this adjudicated please.wasnt aware of this until I checked XXXX report. Thank you!!
09/21/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • PA
  • 19146
Web
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. The XXXX Credit Bureau is reporting inaccurate information on CAINE WEINER ( Original Creditor : XXXX XXXX XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
08/19/2017 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Frequent or repeated calls
  • TX
  • 777XX
Web Servicemember
I hired XXXXXXXX XXXX to perform a task for my business. I owed them {$400.00} in which was paid XXXX XXXX, 2017. I then begun to get multiple calls from Caine and Weiner a collection agency based out of California. I advised them multiple times that I did not owe any money to XXXXXXXX XXXX in which XXXXXXXX XXXX verified. However they are still calling me all hours and times of the day from different numbers and area codes. They also have put the charges on my credit report.
12/10/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • GA
  • 30519
Web
I changed insurance companies and there was a balance with XXXXXXXX I paid XXXX once the error was explained regarding coverage. They turned over to collection prematurely when balance was paid already. Caine and Weiner was to delete the error but place a paid collection which cause my credit score to drop XXXX points. I never owed the collection agency I never paid the collection the original creditor was paid .the collection agency agreed to delete the error but did not
12/03/2020 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • KS
  • 67205
Web
I was contacted by the number XXXX and a voicemail was left indicating that they were a debt collector. My name was not mentioned in the voicemail. When I returned the call, the person XXXX requested my name. I refused to give my name, as they had contacted me. I offered the phone number that I was calling from and I was told that I had to provide my name so that I could be looked up. I refused to give personal information. This situation concerned me for a potential scam.
05/03/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TX
  • 77016
Web
This ground for removal they also violated my rights under 15 U.S.C 1681 Section 602 A States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions or consent.I don't remember sign the contract with this debt collector, where's my original signature with this company and why they decide to add to my collection without my permission? It is double jeopardy!!
02/22/2022 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Attempted to collect wrong amount
  • DE
  • 19904
Web
On XX/XX/2022 I discovered that Caine & Weiner were reporting that I owe an amount of {$310.00} and it is greatly affecting my credit report. I sent correspondence out on the same day to address the matter. I requested that they send validation of the alleged debt in a timely manner and they did not send anything that would validate that I owe them that amount. I have no contract with this company and they're reporting fraudulent information that is damaging to my person.
05/05/2021 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 77090
Web
Hello, I have reached out to Caine & Weiner several times to remove this collection account. Neither time was this company able to validate it but the account remains on my credit report. When I asked for a signed contract that is required, they were unable to provide it. They have only sent me a bill. This is not what I asked for and does not validate anything. Please have this issue resolved. If a signed contract can not be provided the debt must be removed immediately.
04/04/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • FL
  • 32305
Web
I paid {$260.00} to Caine & Weiner on XX/XX/21 and was advised by the customer service representative, XXXX XXXX that processed the payment, the account would be removed from my credit reports with al l three credit bureaus and I would receive a letter after I made the payment. I have not received a letter by email as requested. So I am disputing with your company to assist me with removing the negative item off my credit reports. The payment confirmation number is XXXX.
05/17/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 330XX
Web
I collections from Caine & Weiner Company for a XXXX account that I never had. I have also had XXXX and is confused as to why they are reporting to the bureaus falsely. I want this removed as soon as possible as it is making it difficult for me to purchase my home. I called XXXX and they couldn't provide me with any information has to whom opened the account or even go back to listen to the calls. I do not owe {$890.00} for account number XXXX that was opened XX/XX/2020.
10/12/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • DE
  • 19973
Web
I'm XXXX XXXX, I need your Help in contacting this company. I made an effort to contact them to find out who had opened an account in my name and why. I'm disappointed that this serious problem is now affecting my credit score. I don't allow anybody to use my name, birthdate, or any other details since it also violates data privacy. They need to identify the person who opened the account in my name and give them the data rather than me. Kindly help me in resolving this.
02/20/2022 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Frequent or repeated calls
  • NC
  • 28208
Web
Called me numerous of times saying I owed a debt asked them to send correspondence from The originator company and from Them numbers is of times stated that I will have 30 days to investigate and respond back! I finally receive A letter from the collection agency late XXXX but only the agency not from XXXX or from the company they say I owe the debt too! Letter is dated XX/XX/22 and they placed the debt on my account XX/XX/22! Called the phone number XXXX disconnected!
06/03/2017 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MO
  • 64804
Web
I reporting Caine & Weiner in regards to an account listed as XXXX XXXX XXXX in the amount of {$170.00}. This debt does not belong to me. I have disputed with the original creditor as well as the Credit collector agency. I am requesting that upon receipt of this complaint that the debt be resolved as it does not belong to me. If this information is incorrectly reported to the credit bureaus I will file a compliant with the BBB against the company and creditor.
10/21/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 32608
Web
I am writing to delete the following information in my file. The item ( XXXX ) I need deleted are listed in the report. I am a victim of identity theft and I did not make the charge, I ask that the item ( XXXX ) are deleted in order to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the item ( XXXX ) as soon as possible.
08/24/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • TX
  • 76028
Web
In Accordance with the fair credit reporting act XXXX account numbers XXXXXXXX Caine & weiner {$250.00} XXXX XXXX XXXX XXXX {$540.00} XXXXXXXX U.S. Department of education XXXXXXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX {$500.00} XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U. S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
11/15/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • TX
  • 751XX
Web Older American
XXXX XXXX XXXX added a debt to my credit report that was not mine. They also sent it to Crain and Weiner. I had to file a complaint against them for harassment. They have stop calling me but put it back on my credit report. I called XXXX XXXX and they are saying that the collection added it back on. I feel like this is just more harassment because I filed a complaint against them. I want this taken off my credit report completely. This form of retaliation has to stop.
07/12/2017 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 33712
Web
Caine & Weiner Company, Inc has falsely stated in response to a complaint # XXXX filed with the Better Business Bureau that correspondence was sent to my address in XXXX XXXX, XXXX XXXX and XXXX XXXX. Correspondence received ( see attached ) were only two pages, none of which outlined details from the creditor records that included policy start and cancellation dates, last payment dates and amount paid and the remaining balance due on the policy prior to cancellation.
10/19/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30083
Web
In your response to my complaint you stated : " Our office received an assigned account from the creditor XXXX XXXX with respect to this consumer in XX/XX/2016 for recovery of unpaid auto insurance premiums. Please note the balance due is not owed to Caine & Weiner. '' If the balance is not due Caine & Weiner. Why are they reporting on my credit report? This is false, misleading and harmful. You are in violation of : 15 U.S. Code 1692d ( 2 ) 15 U.S. Code 1692e ( 1 )
03/12/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • WI
  • 53208
Web
After checking my CONSUMER report I noticed a few updates with companies posting there. 06 XXXX being one of the companies. 06 XXXX is alleging that i have an alleged debt totaling {$250.00} dollars with them. I don't recognize them, nor have I received any documentation from them. Im asking that the CFPB please investigate them and remove them from my CONSUMER report. Please ask for documents showing that I agreed to them reporting on my CONSUMER report. Thank. you
07/29/2019 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MA
  • 021XX
Web
I was never notified of the debt I owed and am not sure what the debt is for. A derogatory mark was noted on my credit report and XXXX XXXX sent me an email of such. I looked on the XXXX XXXX site and found the company listed is Caine and Werner and I owe {$100.00} but I don't know what this debt is for or who it is owed to. They have not contacted me to notify me of this situation. Their contact information is : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX
05/20/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NC
  • 27610
Web
Sent A Debt Validation Letter To Company Caine & Weiner, Company Has Still Not Submitted Proof That I Ever Signed Any Documentation Or Entered Into Any Agreement With Their Company And/ Or That The Company Is Licensed In The States That I Lived. Company Is Not Licensed To Operate In The States Of FL, Texas Or North Carolina. Company Has No Legal Right To Try And Collect On Alleged Debt, This Collection Account Needs To Be Removed From My Credit Report Immediately.
03/24/2022 Yes
  • Debt collection
  • Auto debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MD
  • 207XX
Web
On XX/XX/2022, I, the consumer was contacted by Caine and Weiner by ways of mail to my dwelling, presenting as a debt collector for a " debt '' owed to XXXX. In response, I demanded the an opportunity to verify the validity of the debt, and was in receipt of the information to do so. Instead, I was sent another invoice stating their position as a debt collector. On XX/XX/2022, I certified mail an affidavit, and have yet to get a response from the Caine and Weiner.
05/18/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • IL
  • 60607
Web
Received a notification XX/XX/21 from the major 3 credit bureaus ( XXXX, XXXX & XXXX ) that a debt was owed from collection agency Caine Weiner. There's no contract with this collection agency that shows I owe a debt. Collection agency doesn't have the right to collect if there's no legal binding contract signed by me or any company I represent showing I owe Caine Weiner. This collection agency Caine Weiner also violated Section 623 of Fair Credit Reporting Act.
02/17/2023 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NY
  • XXXXX
Web
I sent a letter to this company last month requesting validation. They did not remove this account off my consumer report at all this account is in dispute and by law they have to remove it when its in dispute. Also they did not reply to my letter. They received this letter XXXX, XXXX 2023 and they did not reply to it. so its past 30 days and they need to remove this account off my consumer report. i have no business with this company. i will upload the letter.
12/23/2022 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Impersonated attorney, law enforcement, or government official
  • NY
  • 104XX
Web
I sent a letter to Caine and Weiner Company Inc on XX/XX/XXXX certified mail and I never got a response. USPS # XXXX They are attempting to collect an alleged debt I do not owe. They are not even licensed in New York State and pursuant to New York regulation rules states that a debt collector have to be licensed in New York State to even attempt to collect any debt from a New York City resident. 15 u.s.c 1681 section 602 A States I have the right to privacy.
03/29/2023 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • GA
  • 30311
Web
I couldn't afford to pay my car insurance because I was laid off so I was charged a month in advance for an auto policy. I had switched to a more affordable company but XXXX had already sold the debt to Caine and Weiner who I never had a contract with. Now they are reporting on my credit false information that has dropped my score XXXX points. It is also showing up as an open account. I haven't received any notice except the ones that are on my credit report.
01/19/2023 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened to arrest you or take you to jail if you do not pay
  • IL
  • 606XX
Web
I am a victim of identity theft. Someone rented a car in my name and I am not sure what happened to it, presumably they crashed it. The debt for that rental car was passed along to collection. I have emailed the collection company police reports and explained that I am not the person that is responsible. They call me multiple times daily threatening me with jail and telling me that they will take steps to ruin my life. I am being harassed and I am the victim.
04/12/2017 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CA
  • 94523
Web
Debt was owed from my previous employer for which I worked as XXXX employee. They somehow personally made me personally responsible and damaged my credit. We have written them via certified mail and they refuse to answer proof of debt. Never notified me of a debt owed and called family members, harassed me, threaten to sue all for a debt that is not mine and ruined my perfect credit for which I lost a home refinance and credit card due to my lowered score.
11/22/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • NY
  • 10468
Web
This debt collector engaged in XXXX, deceptive and unfair practices of the FDCPA which prohibits. They furnish this account that we didnt agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it, more so they didnt follow the proper 5 step validation procedure which makes this unfair practices. According to FDCPA Im entitled to {$1000.00} per violation and clearly they violated my rights.
07/15/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • FL
  • 32221
Web
On XX/XX/2023, I received an alert from XXXX stating the debt collection company Caine & Weiner updated a {$0.00} balance to my credit reports under collections. The balance was paid to the original company. This collection account is affecting my credit negatively. 15 USC 1692g Sec. 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ) grants me the right to request payment validation, privacy, and accurate information on all three credit reports.
06/16/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • PA
  • 19128
Web
I AM A VITCIM OF IDENTITY THEFT. I HAD NO KNOWLEGDDE OF THESE ACCOUNTS. THESE ACCOUNTS LISTED ELOW WERE OPEN FRAUDELENTLY. CAINE & WEINER # XXXX Balance {$500.00}. XXXX XXXX & XXXX # XXXX. XXXX XXXX # XXXX Balance {$2100.00}. XXXX XXXX # XXXX Balance {$24000.00}. XXXX XXXX # XXXX Balance {$84.00}. XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX. {$2500.00}. XXXX XXXX XXXX. Balance {$3300.00}. ATTACH TO THE COMPLAINT IS MY IDENTITY THEFT REPORT.
08/19/2017 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • VA
  • 23322
Web
I admit to having business with XXXX XXXX but have never once been told I owed them money and I still receive letters to this day regarding a business I once owned but not 1 stating I owed them any money yet CAINE & WEINER COMPANY INC has reported on my credit that there is a debt in collections before sending me any kind of letter or even trying to contact me by phone. Is this not illegal to take action on my credit report before notifying me of any debt?
04/12/2017 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CA
  • 94523
Web
Debt was owed from my previous employer for which I worked as XXXX employee. They somehow personally made me personally responsible and damaged my credit. We have written them via certified mail and they refuse to answer proof of debt. Never notified me of a debt owed and called family members, harassed me, threaten to sue all for a debt that is not mine and ruined my perfect credit for which I lost a home refinance and credit card due to my lowered score.
12/30/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • OH
  • 43229
Web
This complaint is regarding accounts. Per track, it's been several months with no information given, no investigations performed, and timely updates. Violates federal 15 USC 1692gf. I never authorized or given permission per 15 U.S. Code 1681 ( b ), which violates permissible purposes moreover, 15 U.S. Code 1681e ( B ) The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reported.
12/02/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • WA
  • 98107
Web
This complaint is regarding accounts. Per track, it's been several months with no information given, no investigations performed, and timely updates. Violates federal 15 USC 1692gf. I never authorized or given permission per 15 U.S. Code 1681 ( b ), which violates permissible purposes moreover, 15 U.S. Code 1681e ( B ) The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reported.
09/11/2022 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • FL
  • 32826
Web
Caine & Weiner has willfully violated me as a consumer. I did not receive a notice to dispute this alleged debt prior to them furnishing the amount on my consumer report. Our initial communication was deceptive as they did not give me the opportunity to validate or dispute this debt. They enforced payment on several occasions. They were instructed to cease communication before and have still attempted to coerce payment of this alleged amount of {$310.00}.
07/21/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • NJ
  • 07801
Web
Debt Collector : Caine & Weiner ( C & W ) Account # XXXX Creditor : XXXX XXXXXXXX XXXX I settled the referenced debt with Caine & Weiner, attached is proof the debt was paid. Today, XX/XX/22 I received a letter from C & W collecting a remaining balance of {$340.00}, letter attached. It is my understanding that once an account is settled, the debt collection agency can not contact us. Please assist us in getting this resolved. Thank you. XXXX XXXX XXXX
02/10/2021 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • WA
  • 98107
Web
The Cain and Weiner Company has been aggressively requested a debt for office space utilized last year. We fulfilled or lease agreement with XXXX, and sent all documentation to the collector who has only replied back with statements reflecting money owed with no signed agreement. We also submitted the email chain reflecting the site manager confirming our lease end and zero obligation moving forward. They call twice daily and email and threaten our staff.
06/15/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • SC
  • 29073
Web
On XXXX I requested debt validation from Caine & Weiner debt collector refused to validate this debt on my credit profile when I asked the debt collector for the contract where I signed for the debt they stated they did not have those documents I have also disputed the debt with the credit bureaus but the account remains 15 U.S Code S 1692 g states that a debt must be validated 30 days as this time has passed and my rights are being violated as a citizen
02/17/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • NY
  • 14228
Web
The following account was a charge off/collections it yet continues to display multiple inaccurates listed on all three credit XXXX XXXX XXXX XXXX XXXX inaccurate, closed account reporting open, incorrect opening date, date of last payment, or date of first delinquency, incorrect account type after reaching out to credit reporting agencies, and reaching out to the creditor itself to get a validation of debt, which two seems to be displayed as an accurate
09/24/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • OH
  • 43227
Web
I am a victim of identity theft there have been several accounts placed under my name without my consent or knowledge. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is derogatory nature. Please delete/remove the following unverified accounts : XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX.
01/09/2021 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NC
  • 27801
Web
XXXX XXXX XXXX XXXX is trying to collect XXXX dollars on a progressive account. I send them a email to validate the collection never received respond Back. File a dispute with XXXX they Get back to them verify but XXXX won't show me how it was verify so iam filing complain with the FCRA. Just want se to the proof Caine & weiner XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Account # XXXX Account date XX/XX/2017 Thank you very much XXXX XXXX
02/11/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 32835
Web
I have sent numerous letters to this company attempting to get to the bottom of the debt that appears on my credit report. i never had an account with XXXX or caine & weiner so i had no ideal where this account came from. I would appreciate your help in contacting them and retrieving a copy of the contract ( if one so exists ) that states this company and I have business together. Please, as this is an issue that has been haunting me since XX/XX/2019.
02/15/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • IA
  • 503XX
Web
The lease company ( XXXX XXXX out of XXXX Indiana ) withheld my truck at the repair shop and sold it to a different person and never let me repair it. The truck ( XXXX XXXX XXXX ) make and model was breaking down every single day eating into my savings and even had me on negative account balance. I tried talking to them but they declined and now they have me on collection without showing what their resell value was and how much I owe them genuinely.
03/29/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • GA
  • 30281
Web Servicemember
This company represents XXXX XXXX. I paid XXXX XXXX directly the {$110.00} they said was owed. I never received any correspondence from Caine and Wiener. I noticed their information when I was denied my HOME loan based off of their entry to my credit profile.Someone please help. I have made a complaint and a formal dispute with Caine & Weiner, XXXX, and Attorney General of California, Georgia, and Texas. My end resolution is to get this entry deleted.
11/06/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 347XX
Web
In accordance with the fair credit reporting act, this creditor, " CAINE & WEINER '' has violated my rights. Under 15 USC 1681 Section 602 states I have the right to privacy, 15 USC 1681, section 604 A Section 2 also states, a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open in consumer credit plan as late for any purpose.
11/06/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 347XX
Web
In accordance with the fair credit reporting act, this creditor, " CAINE & WEINER '' has violated my rights. Under 15 USC 1681 Section 602 states I have the right to privacy, 15 USC 1681, section 604 A Section 2 also states, a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open in consumer credit plan as late for any purpose.
01/30/2023 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • OH
  • 452XX
Web
I wasnt aware that the original debtor sold the debt to a third party law firm the amount they are saying is owed they never reached out to me to settle the debt. They have been reporting to my credit as well these are all false and misleading practices the amount o they are wanting to collect is only {$160.00}. I dont know any of the people involved attempting to collect the debt my information has being given away without my consent to any of this.
07/23/2022 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • FL
  • 321XX
Web
Dept collection agency contacted me requesting to pay them the amount of {$660.00} and threaten me to take legal action with their attorney and that I have to spend more money by hiring an attorney. then told me will damage my credit report if I don't pay them. I requested them to validate that the debt is lawfully mine and its contractual charges. instead ignored my request to validate the debt amount and reported negative items on my credit report.
10/16/2021 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • CT
  • 06002
Web
Caine & weiner fails to honor my rights as the natural person, Consumer, and Original Creditor. I demanded a cease and desist. Also I demand all 3rd party agencies refrain from sharing my personal consumer information. Caine & Weiner is in violation of chapter 41 Title 15 of the United States Code, The FDCPA, and XXXX. Their bad faith efforts in reporting an alleged debt owed by me is causing damage to my persons and hindering my pursuit happiness.
11/04/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt resulted from identity theft
  • NJ
  • 07050
Web
Caine & Weiner is collecting on an insurance policy that does not belong to me and was opened up without my authorization. TGhey 're collecting for XXXX XXXX. I have sent over a police report and FTC Affidavit stating this is fraud and to cease collection. The item was removed from my account on XXXX/XXXX/2016 and was re-inserted by Caine and Weiner on XXXX/XXXX/2016. They stated on a previous issue that they would be removed but they re-inserted it
11/28/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Credit monitoring or identity theft protection services
  • Problem with product or service terms changing
  • GA
  • 30344
Web
My information was sold and bought illegally because I was a victim of the XXXX breach. I want these items deleted from my credit reports effective immediately Im attaching proof that XXXX has immediately that I was, in fact of victim of his date of breach, and XXXX has done nothing, please help me delete these illegal accounts off my credit reports. ( list all those negative accounts from your XXXX credit report account names and account numbers )
10/24/2021 Yes
  • Debt collection
  • Auto debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • TX
  • 78727
Web
The XXXX of XX/XX/2021 Caine WeinerXXXX damaged my credit history and dscore on XXXX, XXXX and XXXX and threatened they would damage my credit which they did which prevents me from doing business with other and getting high rates. Caine WeinerXXXX have violated Title 15 U.S. Code Subsection 1692e, Title 15 U.S. Code Subsection 1692f and Title 15 U.S. Code Subsection 1692d and I am seeking the removal from XXXX, XXXX and XXXX and my credit history
09/27/2020 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • MI
  • 48161
Web
Caine & Weiner has place a derogatory remark on my credit report. They are collecting for : XXXX. I have no knowledge of this account and was never notified by mail or otherwise regarding this alleged account. I was never given the opportunity to either dispute or request validation of this debt, pursuant to the Fair Credit Reporting Act the Fair Credit Billing Act and the Fair Debt Collections Practices Act. Which is my legal right as a consumer
08/04/2018 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • NJ
  • 07644
Web
To Whom It May Concern : I have received a letter claiming that I owe a debt to CAINE & WEINER CO. Since this is in error, I request that you send me the following proof as you are obligated to do in accordance with the Debt Collection Practices Act, section 1692g. You have 30 days to provide full verification of this item, This entry have cause me a lot of difficulties to obtain a home mortgages. Thank you in advance for your quick responds.
04/23/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 77642
Web
FRCA Violation address and names XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX FRCA Violation loan XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRCA Violation enquiry XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Credit Unions ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Credit Unions ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Credit Unions ( XXXX ) XXXX FRCA Violation collection XXXX XXXX XXXX
10/21/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 95833
Web
Cain & Weiner is reporting a debt on my XXXX credit report that does not belong to me. The file number is XXXX, originally belonging to XXXX Rental Car. I'v contacted Caine & Weiner several times letting them know the debt is not mine and requested removal. They even verified information over the phone to prove it doesn't belong to me ( they admitted as well ) but blamed it on XXXX. I have disputed the debt twice via XXXX, nothing has happened.
11/20/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Old information reappears or never goes away
  • PA
  • 19135
Web
Here we have a paid off account with debt collector CAINE & WEINER. This debt has been paid off since XXXX XXXX, Collectors agreed to remove the account from my credit report immediately after payment, Still to this date XX/XX/2019 it is still showing on my credit thus affecting me in a negative way. Collectors state they report monthly. I have called in numerous time in attempt to get it removed, in return i get mixed responses on a solution.
03/14/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • AZ
  • 85043
Web
In accordance with the fair credit reporting act XXXX account XXXX XXXX XXXX XXXX has violated my rights. 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
12/16/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MI
  • 49009
Web
Someone from Caine & Weiner contacted me saying I owed {$390.00} to XXXX and they are collecting on their behalf. I dont owe it and I also, in writing, told them not to contact me again, but sure enough they did. And they showed me a screenshot of something that anyone can pull up on the State of Michigan business entity website. I am filing this complaint so that these predatory businesses get fined for taking illegal actions against people.
03/22/2022 Yes
  • Debt collection
  • Other debt
  • Threatened to contact someone or share information improperly
  • Talked to a third-party about your debt
  • IA
  • 50315
Web
On XX/XX/2021 this company emailed me in regards to an alleged that they claim I owe them. I responded to the email by asking them to Stop within 48hrs of receiving the email. Between XXXX XXXX I received a credit monitoring alert in regards to this company Caine & Weiner XXXXurnishing the alleged debt to the 3 Credit Reporting Agencies without my written convent which is a FDCPA Violation 15 USC 1692e ( 8 ). Please view attached Documents
10/13/2023 Yes
  • Debt collection
  • Auto debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • MN
  • 557XX
Web
I have a credit collection agency that popped up for a {$52.00} debt from XXXX XXXX XXXX Im unsure why, as I havent had progressive for YEARS and I was never once contacted by anybody about any possible past debt nor was I EVER contacted by the collection agency. I was never given a wrote to dispute or an explanation of why or what for. If I didnt have an app to watch my credit I NEVER would have even known they were dragging my credit down.
12/13/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • MA
  • 02301
Web
CFPB WRITE-UP In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 15 USC 1681 Section 602 States | have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
08/20/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33141
Web Servicemember
Caine & Weiner, the collection company is trying to collect on an invalid debt owed. The collection agency falsified balances, falsified payments and falsified records thus this collection agency has no legal rights under FCRA 621 ( a ) ( 2 and Fair Debt Collection practices. I have attempted to contact the credit bureau and the collection agency with no positive results. This collection agency is abusive and clearly in violation of the law.
07/21/2020 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • GA
  • 30314
Web
I sent this company a validation of debt letter on XX/XX/2020 and I failed to receive a response. I sent another one on XX/XX/2020 and I still have not received a response. Yet, this company continues to report this debt on my report and I am not sure if it is accurate as this company refuses to respond to any notifications about this debt. Also, this company has not made any effort to notify me that I owe this debt in any way shape or form.
10/22/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • MO
  • 64114
Web
In accordance with the fair credit reporting act, XXXX account number XXXX, has violated my rights. 15 USC 1681 section 602A states I have the the rights to privacy. 15 USC 1681 section 604A section 2 it also states, a consumer reporting agency can not furnish a account without my written instructions. 15 USC 16665 a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
06/02/2021 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 33870
Web
On XX/XX/2021 I checked my credit report and noticed Caine & Weiner reported a balance in collection of {$320.00}. On XX/XX/2021 I sent a certified letter which was signed on XX/XX/2021 with tracking # XXXX XXXX XXXX XXXX XXXX. On XX/XX/2021 I received a letter with no verification just amount due and case #. I sent a 2nd certified letter which was signed on XX/XX/2021 with tracking # XXXX. Have not received a resolution or an answer back.
12/17/2022 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • FL
  • 33160
Web
I have insurance with XXXX and i decided to end my policy due because was to high i notify XXXX and let them know i do not want to continue with my insurance so i was suggest to wait until the next month to paid for that and then terminate my policy but after do that next month was charge it again and i call to inform that i contact before with XXXX regarding my intention but they continue saying i should paid for the next month anyway.
07/14/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • NE
  • 68521
Web
I submitted a written request over 2 months ago when this account first appeared on my credit report. I asked for verification of debt and inq why I never received anything in writing. They then removed it from my credit report and then today it is back on there.. But they still have not sent me any proof or verification of this debt. I just want what I have asked for multiple times in writing, since I know that is my right as a consumer.
09/04/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • FL
  • 331XX
Web
I HAVE NOT SUPPLIED PROOF UNDER DOCTRINE OF SILENCE, ENGLEHARDT V. GRAVENS MO 281 SW 715,719.NO PROOF OF THE DEBT EXIST OR DEBT EXIST TITLE 15. CREDIT REPORTING IS IN FACT OPTIONAL, WILL MOVE TO ARBITRATION.. Under title 15 credit reporting is in fact optional. In accordance to 15 USC 1692 e, f, i. I have all rights reserved as a consumer citizen of XXXX and I do not give permission to any company to speak, embezzle or coerce any debts.
11/28/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Report provided to employer without your written authorization
  • MS
  • 38671
Web
In Accordance with the fair credit reporting Act XXXX account # XXXX has violated my rights. - 15 U.S.C 1681 section 602 A states I have right to privacy. - 15 U.S.C 1681 section 604 A section 2 ; Also states a consumer reporting agency can not furnish a account without my written instructions. -15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
07/19/2022 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MS
  • 386XX
Web
On XX/XX/XXXX, I sent CAINE WEINER a written notice asking them for validation of alleged debt. I request they provide me with PROOF OF PURCHASE AND DISCONTINUE COLLECTION OF THE DEBT IS REQUESTD, Provide a copy of consumer signature on a contract or document that holds consumer responsible for this alleged debt, and Send CONSUMER proof that you are licensed to collect debt in my state. They have fail to provide me with any information.
08/04/2020 Yes
  • Debt collection
  • Payday loan debt
  • Threatened to contact someone or share information improperly
  • Contacted your employer
  • TX
  • 77077
Web
I have repletely asked this company to stop using threating tactics. I have already told them I never opened an account online and they are harassing my friends/family, calling non-stop at my job, leaving me voicemails in which comes thru my company email, and besides threating calls that I getting arrested and I have a court date. When asked for more the details repeating I am not the correct party they just continue to harassing me.
09/10/2018 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • AZ
  • 85295
Web
On XX/XX/XXXX I received an alert stating I had a collection on my credit report. When I accessed my report I saw a collection there from Caine & Weiner who apparently are a 3rd party collection agency for XXXX XXXX XXXX. I have never had any business with XXXX XXXX XXXX and did not incur any debt with them. I have no idea how they got my SSN or enough of my personal information to report to the bureaus, but I don't owe them anything!
10/21/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • MO
  • 641XX
Web
In accordance with the fair credit reporting act, XXXX account number XXXX, has violated my rights. 15 USC 1681 section 602A states I have the right to privacy. 15 USC 1681 section 604A section 2 it also states, a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
06/11/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • WI
  • 53204
Web
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 section 602 states i have the right to privacy. 15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
05/06/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • MO
  • 631XX
Web
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
11/07/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • TX
  • 75042
Web
XX/XX/2021 CAINE & WEINER HAS PLACED A NEW COLLECTION ON MY CREDIT REPORT AND I'M CURRENTLY MAKING PAYEMNTS TO THE ORIGINAL AGENCY AND BY LAW THIS IS VIOLATION OF MY RIGHTS AND 2 COLLECTIONS CAN NOT BE HONORED CAINE & WEINER SHOULD NOT HAVE MY INFORMATION TO REPORT FALSE DEBTS AND DAMAGE MY CREDIT AS THIS IS DEFAMATION OF CHARACTER AND I HAVE PROOF OF CURRENT PAYMENT, I HAVE REQUESTED INFORMATION AND HAVE NOT RECEIEVED ANYTHING BACK.
11/07/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • TX
  • 75042
Web
XX/XX/2021 CAINE & WEINER HAS PLACED A NEW COLLECTION ON MY CREDIT REPORT AND I'M CURRENTLY MAKING PAYEMNTS TO THE ORIGINAL AGENCY AND BY LAW THIS IS VIOLATION OF MY RIGHTS AND 2 COLLECTIONS CAN NOT BE HONORED CAINE & WEINER SHOULD NOT HAVE MY INFORMATION TO REPORT FALSE DEBTS AND DAMAGE MY CREDIT AS THIS IS DEFAMATION OF CHARACTER AND I HAVE PROOF OF CURRENT PAYMENT, I HAVE REQUESTED INFORMATION AND HAVE NOT RECEIEVED ANYTHING BACK.
01/30/2018 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • AZ
  • 85713
Web
I have asked Caine and Weiner repeatedly to stop contacting me. I do not owe them any of my money. The original debt came from XXXX XXXX which I have spoken with directly. I am on a payment plan with them and making active payments. So I would like Caine and Weiner to stop contacting me because I was told I am not doing business with them. Also they are reporting on my credit report and they shouldnt be!!!! I am sick of this company.
11/15/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • LA
  • 70118
Web
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The XXXX and XXXX Credit Bureaus are reporting inaccurate information on XXXX XXXX XXXX XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
10/16/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33179
Web
I checked my credit report last month and noticed a collection account from Caine and Weiner Company for some type of insurance policy that I am not aware of. I contacted the collection agency to notify them that this is not my account and they refused to remove the collection account from my report. This falsified collection account is currently preventing me from getting approved for a mortgage. This collection account needs to be
02/17/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 32789
Web
This collection agency never had a current address when they received this debt. They had a very old address and I never knew this existed until it was slapped on my credit report. I never had a chance to dispute this with the original creditor and with this agency when they received it. I have yet to get verification from this agency w/ proof that I owe this amount. Constant harassment with phone calls but no proof the debt exists.
04/20/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • VA
  • 23228
Web
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
05/01/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • SC
  • 298XX
Web
In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under + open end consumer credit plan as late for any purpose.
08/14/2020 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Attempted to collect wrong amount
  • PA
  • XXXXX
Web
XX/XX/2020 mailed validation letter to confirm what they say I owe that's on my credit report. I told them I did not agree with the total and please validate based on my enclosed uploaded items. Certified mail # XXXX XXXX XXXX XXXX XXXX Delivered on XX/XX/2020. Unvalidated Debt Amount : XXXX XX/XX/2020 sent letter to XXXX, XXXX, and XXXX. I would like the following to happen : 1. Removal of errant account from credit report.
01/06/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 32708
Web
Caine & Weiner flagged my account and opened a collection on my credit report that has severely affected me! It says the account was opened on XXXX, 2019. This is the second time they have done this. Last time was removed and now they opened again! I have no knowledge of this account nor do I have any contract with this company! The amount says {$380.00} original balance and {$390.00} past due. Please remove from my credit report
03/11/2022 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NC
  • 28208
Web
Was contacted back in XX/XX/XXXX asked for proof of debt from the company and it was never sent just a letter from the collection agency! Was contacted again in XX/XX/XXXX and asked for proof of debt and not proof just leered form debt collector! Debt hit my credit report XX/XX/XXXX and the company just sent proof of debt XX/XX/XXXX when I requested it 2 times and they failed to provide it to me until after it it my credit report
05/26/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 326XX
Web
I opened up dispute with credit bureaus last month in XXXX regarding this alleged debt, ,and I was sent a letter with no documentation stating that they have the legal right to come after me for debt. There is no proof I owe this alleged debt and and just a regular computer generated statement is not proof i owe debt. I want this account removed before I take legal action with my Consumer attorney XXXX XXXX, XXXX in XXXX, Florida
12/10/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Old information reappears or never goes away
  • NC
  • 28105
Web
I have two companies that are still showing open on my credit report. The accounts have been closed and the companies are no longer active. This is showing derogatory and needs to be removed. XXXX XXXX XXXX XXXX XXXX this was taken care of already with insurance and was settled closed. XXXX XXXX XXXX XXXX XXXX I have called the company and settled the debt already. And it was considered paid off and was suppose to be removed.
09/10/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • CA
  • 90036
Web
Name : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX : XXXX Account name : XXXX XXXX Date reported : XX/XX/XXXX In Accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 Section 602 A states I have the right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 ; It also states a consumer reporting agency can not furnish a account without my written instructions
06/14/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NC
  • 274XX
Web
In accordance with the fair credit reporting act, these companies have violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
11/15/2017 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CT
  • 06010
Web
TO WHOM IT MAY CONCERN - I HAVE BEEN TRYING TO RESOLVE A DEBT SHOWING ON MY CREDIT REPORT FROM XXXX AND XXXX. I HAVE DISPUTED THIS ISSUE NUMEROUS TIMES WITH COMPANY AND STILL HAVING NO LUCK. I HAVE SENT A CERTIFIED DEBT VALIDATION LETTER ON XXXX WITH NO RESPONSE FROM THIS COMPANY. I AM REQUESTING YOUR SUPPORT IN GETTING THIS ITEM REMOVED FROM MY CREDIT REPORT PER THE FCRA. THANK YOU IN ADVANCED FOR YOUR ATTENTION IN THIS MATTER.
11/09/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • HI
  • XXXXX
Web
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The 3 Credit Bureaus are reporting inaccurate information on CAINE & WEINER ( Original creditor : XXXX ). Per FCRA, reporting must be 100 % accurate or the information must be deleted.
11/02/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • PA
  • 19147
Web
I wrote to Caine & Weiner on XX/XX/XXXX of 2020, notifying them that I am disputing the debt they are trying to collect. I requested in writing that they verify the debt as required by the Fair Debt Collection Practices Act, and that they do not contact me about this debt aside from verifying the debt. The company has not verified the debt, and has not desisted contacting me and other members of my organization about the debt.
09/30/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • PA
  • 19148
Web
On XXXX XXXX 2020, I spoke with Caine & Weiner about losing my job due to Covid-19 pandemic which caused me to not make payments. However, Caine & Weiner made an agreement with me to pay the full balance of {$670.00} for deletion from my credit report by XXXX XXXX 2020. On XXXX XXXX 2020, an incorrect derogatory balance of {$750.00} was placed on my credit report for the second time in which the correct balance is {$670.00}.
08/21/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 32927
Web
OnXX/XX/2016 i called XXXX insurance and told them to cancel my insurance on XX/XX/2016 as i got insurance with XXXX, i called back on XX/XX/XXXX to make sure it was canceled, they told me i had to have my new insurance company send them a letter confirming i had insurance with them. XXXX faxed them a letter and sent me a copy, they still continued to bill me for two additional months after XX/XX/XXXX resulting in this charge.
10/11/2018 Yes
  • Debt collection
  • Auto debt
  • False statements or representation
  • Attempted to collect wrong amount
  • MI
  • 48174
Web
XXXX XXXX XXXX said I owe XXXX the XXXX stated now {$270.00}. Posted on my credit report earlier this year, disputed amount now XXXX says I owe {$270.00} before it was more than that. I do not owe them anything, I sent back the tracker last year and now I have a collection on my account. Disputed to remove because debt not owed and all they did was adjusted the amount. I am requesting this item be removed off my credit report
03/09/2023 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • CO
  • 812XX
Web
Upon checking my credit reports I found a new collection from Caine & Weiner on behalf of XXXX XXXX XXXX, XXXX. I never received notice to dispute this collection as it is a fraudulent charge and would have immediately disputed it. Caine & Weiner is likely aware of the dubious nature of the company and their charges and that is why they conveniently failed to send the proper notice before preceding to damage my credit rating.
09/09/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • PA
  • 190XX
Web
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved.The XXXX Credit Bureau is reporting inaccurate information on CAINE & WEINER COMPANY INC Opened XX/XX/2017. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
12/15/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Credit monitoring or identity theft protection services
  • Billing dispute for services
  • SC
  • XXXXX
Web
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
03/06/2017 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt resulted from identity theft
  • CO
  • 813XX
Web Servicemember
A computer showed up at my home that I did not order. Contacted the sender ( XXXX XXXX ) and they said they would send someone to pick it up. XXXX arrived and I gave them the package. I canceled the credit card the computer was ordered from and was issued a credit back for this amount. This all happened last XX/XX/XXXX and now I am getting a letter from a collection company in California who is trying to collect this amount.
07/31/2023 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • MS
  • 394XX
Web
Progressive sent over a debt to collection for {$420.00}. I called them to let them know that the amount was wrong as well as the debt collector and even disputed it because the amount was incorrect with bureaus. Progressive reached back out and sent an email with the new balance of {$190.00}. Today the amount was back updated to {$420.00} on each bureau which is not correct and I have the email from progressive stating so.
05/19/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TX
  • 750XX
Web
In Accordance with the fair credit reporting act XXXX account XXXX XXXXXXXX, has violated my rights 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose
10/01/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TN
  • 38116
Web
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This collection was a corporate account and mistakenly reported on my profile. XXXX and XXXX had their record-keeping been accurate, and NO complete payment history was provided. The XXXX Credit Bureau is willfully in violation of FCRA and condoning illegal behavior, MUST correct or remove this collection account immediately.
05/06/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • AZ
  • 85353
Web
Ok this debt was acquired by ms. XXXX XXXX phone, email address is XXXX she got a XXXX insurance policy without my notice months after we broke up we only dated for about 2 months her vehicle is a XXXX XXXX XXXX XXXX but since she needed a XXXX on top of that insurance cards she decided to put my vehicle and my name without my consent now Caine and Webber have me in collections because of her fault which I think is unfair
11/16/2021 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 93722
Web
MY IDENTITY WAS STOLEN SEVERAL YEARS AGO BUT THIS IS THE FIRST TIME I NOTICED ANYTHING ON MY CREDIT REPORT WHEN THE PERSON HAD AN ACCIDENT AND HAD MY ID AND SOCIAL SECURITY CARD WITH HER. THE XXXX XXXX CALLED ME THINKING THEY WERE GETTING IN TOUCH WITH MY FAMILY BUT IT WAS ME. I WAS FLOORED TO KNOW THE PERSON HAD BEEN CAUGHT. I'M STILL DEALING WITH THIS ISSUE FROM A COLLECTION THAT HAS TO DO WITH MY IDENTITY BEING STOLEN.
09/16/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NJ
  • XXXXX
Web
I RECEIVED AN ALERT FROM MY CREDIT REPORT THAT THERE WAS A NEW COLLECTION ACCOUNT POSTED TO MY CREDIT REPORT. I LOGGED ON AND DISPUTED IMMEDIATELY WITH THE CREDIT REPORTING AGENCY AND NOW I AM FILING A COMPLAINT. THIS ACCOUNT I DID NOT AUTHORIZE NOR DID I KNOW ANYTHING ABOUT IT. I WANT THIS COLLECTION ACCOUNT REMOVED FROM ALL THREE CREDIT BUREAUS AS FRAUD. I HAVE ALSO FILLED OUT AN FTC AFFIDAVIT AND POLICE REPORT AS FRAUD
08/21/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Problem with personal statement of dispute
  • FL
  • XXXXX
Web
This is being sent in response to notices sent to me from " Caine & Weiner '' and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed, and validation is requested.
06/22/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • NJ
  • 07108
Web
These Three company have deliberately had unauthorized inquiry on my credit report, I need to be deleted IMMEDIATELY XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX. XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX These are the following dates of unauthorized inquiries
09/26/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • FL
  • 32277
Web
XX/XX/2021 i sent a complaint to CAINE & WEINER through the consumer financial protection bureau along with a cease and desist notice. CAINE & WEINER have defaulted on providing the proper validation of this alleged debt yet continue to pursue collection. They failed to comply with the fdcpa and are now civilly liable to me. i have attached a notice of default and affidavit along with an invoice for all damages incurred.
01/20/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • GA
  • 30014
Web
Caine & Weber has been contacting me concerning a debt transferred from XXXX.XXXX failed to communicate and validate I owed this. I canceled XXXX before this balance was due and acquired more affordable insurance through XXXX. Caine & Weber are now threatening to report this on my credit. If this is reported on my credit, it will affect my ability to get a job and many other products. I have XXXX credit & this is unfair.
06/20/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CA
  • 946XX
Web
I called XXXX University while enrolled at XXXX for my XXXX -- Checking on their class schedule for comparison ; The sales person enrolled me in an intro class -- I did not authorize, did not attend. -- I spoke to school business management -- who told me that the charge would be removed. The school after several attempts has failed to remove charge and sent to collections : Caine Weiner ( they told me to call school. )
08/23/2017 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TN
  • 37115
Web
I sent letters requesting debt validation to Caine & Weiner in XXXX XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX. In XXXX Caine & Weiner provided me with a document with my name and address and an amount that they saying I owe them {$170.00}. I responded in XXXX asking for more details. Caine & Weiner has not responded to any of my other letters however on XXXX XXXX XXXX this company placed a collection on my credit report.
01/11/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • OH
  • 43062
Web
This is my THIRD time disputing these negative account on my credit report. I have a legal right to dispute anything on my credit report that was not authorized by me. I AM NOT AN ATTORNEY OR THIRD PARTY REP. The accounts are not mines : -XXXX XXXX XXXX # XXXX -XXXX # XXXX XXXX XXXX XXXX # XXXX -XXXX XXXX XXXX # XXXX -XXXX XXXX XXXX XXXX # XXXX XXXXCAINE & WEINER # XXXX XXXX XXXX XXXX # XXXX -XXXX XXXX XXXX XXXX XXXX
02/19/2019 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MI
  • 48313
Web Servicemember
Company falsely reported to credit reporting company that account was disputed. Never received communication from this company showing the total debt and a contract signed by myself stating that I owed the debt. Recent harrassing calls from a woman who is very rude and threatening. I have disputed with all credit bureaus and company stated that information was correct but again I was notified in writing about the debt.
11/30/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • CA
  • 95823
Web
In accordance with the Fair reporting Credit act, this creditor has violated my rights. Under 15 USC 1681 Sec 602 states I have the right to privacy. 15 USC 1681 Sec 604a Sec 2 it also stated a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.
04/17/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • NY
  • 11722
Web
I sent a Letter on XX/XX/2023, here is my Certified Mail Number XXXX, to remove an inaccurate account that I do not want on my credit report. According to the Fair Credit Reporting act 15 USC 1681 I have the right to privacy. Also according to 15 USC 6802 No financial institution is supposed to share my information to third party people, much of this information was fraudulent or perhaps even possible identity theft.
05/07/2021 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 77016
Web
I sent 2 certified letters to Caine and Weiner and still no response.The allege debt is for the amount of {$280.00}, Twice I have asked them to validate their claim and send supporting documents to me. They have failed to do so, time and time again. Its past the time for them to respond and yet they are continuing to report this bad debt on my credit report. This action is against the FCRA and I need it to stop asap.
09/24/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • SC
  • 295XX
Web
The alleged debt is being reported by XXXXCaine and Weiner claiming that I owe a balance of {$440.00}. The policy was paid 6 months in advance and was terminated 2 weeks prior to the end date. So Im owed money. I also stated this to the insurance company. Im requesting a full description of the procedure of reinvestigation once completed. I demand that this negative mark be removed from my credit report immediately.
12/04/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • PA
  • 190XX
Web
I used to have insurance with progressive and then I got a cheaper rate so I cancelled them but the didnt canceled and kept it on and called multiple times to get it turned off but they never did and now they are charging me for something I didnt want. They are charging a lot of people for wrong reasons. Firstly they said I owed them {$1000.00} and then when I called disputed that they still charged me this amount.
03/03/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • FL
  • 33166
Web
I worked for XXXX XXXX XXXX XXXX XXXX as a XXXX. Due bad business management, the XXXX branch practically despaired. First, the more experience employees leaved the company and after that, gradually many others toke the same decision, including my self. As a result, the company charged their looses to the personal that no longer continued working for them, and now are affecting our credit, in this case, my credit.
08/06/2023 Yes
  • Debt collection
  • Auto debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • SC
  • 293XX
Web
I reported to the police that my identity was stolen along with reporting to the company that I did not authorize this account but they still continued to apply the negative impact to my credit after receiving an aggressive letter saying that I did authorize the account and it will impact my credit. And I told them you can tell my identity was stolen because the person who did it didnt even spell my name correctly
05/06/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30096
Web
I looked on my credit report and noticed that there is alleged debt that hasnt been validated placed on my credit report.. I do not owe any debt and this alleged debt is being advertised on my credit report to force me to pay this alleged debt. This debt collector is civilly and criminally in violation of the FDCPA laws. I have attached documents in hope to get this issue resolved or i will be seeking litigation.
10/06/2022 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • MA
  • 02301
Web
I close out an account with XXXX auto insurance due to the misrepresentation, high fees, hidden charges, lack of over all integrity in proper clear communication with consumers. The account was closed timely- with non existing contract- zero balance. It disturbing to encounter that XXXX auto insurance company is coming after me for monies I DO NOT OWE. Extremely dissasified with their services policy ect.
05/02/2022 Yes
  • Debt collection
  • Payday loan debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • MS
  • 39503
Web
This was not sent in error XXXX XXXX XXXX consumer by law at ang information XXXX XXXX XXXX misused at XXXX I have some false at not 100 % accurate sa credit XXXX. Unauthorized use of my credit report. Here again is the incorrect information being reported : FDCPA XXXX XXXX Violation Misleading False Reporting Account Number : XXXX This Account is inaccurate and I'm seeking litigation. Please delete at once.
06/02/2023 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt was paid
  • NY
  • 121XX
Web
Hello, I currently have a debt with a company called Caine and Weiner. It originally came from XXXX XXXX XXXX. That vehicle was totaled out in a car accident, so I do not understand why I have a debt with XXXX? Also, they're trying to say that I did not send back their XXXX device that monitors your driving, and I absolutely did mail it back. That alone costs {$50.00}, and is hurting my credit also. Thank you.
03/14/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MO
  • 641XX
Web
I sent a certified letter to have debt validated. They were unable to properly validate date. The validation that was sent belongs to another individual. Attached : original letter from me, letter from the collection agency and the verification with the name, ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX AZ ). The name has been circled in the document. Please have company remove from all credit bureaus.
09/23/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • PA
  • 19121
Web
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on CAINE & WEINER. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
03/29/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 90001
Web
On XX/XX/21 a collection account was placed on my credit report for {$200.00} dollars. I was never notified about the account until I called Caine & Wiener, spoke to a representative named XXXX and she wasnt helpful at all or gave any informal regarding this account. I have no knowledge of this account and I am a victim of identity theft. I want this resolved immediately, this is affecting my credit history.
03/29/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 90001
Web
On XX/XX/21 a collection account was placed on my credit report for {$200.00} dollars. I was never notified about the account until I called Caine & Wiener, spoke to a representative named XXXX and she wasnt helpful at all or gave any informal regarding this account. I have no knowledge of this account and I am a victim of identity theft. I want this resolved immediately, this is affecting my credit history.
04/23/2020 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NJ
  • 07307
Web
1 ) XX/XX/20 debt notice due XXXX, client progressive insurance. 2 ) XX/XX/20, paid XXXX toward balance, check # XXXX, new balance XXXX XXXX ) called and explained to me I would get payment reminders on balance, RECEIVED NOTHING 4 ) on XX/XX/20, account was reported to ALL major credit bureaus as a " delinquent collection '' account 5 ) DEMANDING THIS ACCOUNT TO BE REMOVED FROM ALL CREDIT BUREAUS AT ONCE!!!
09/08/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • MD
  • 20748
Web
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on CAINE WEINER ( Original Creditor : XXXX XXXX ) XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
06/14/2023 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • AR
  • XXXXX
Web Servicemember
Caine & Weiner is reporting a debt in the amount of {$210.00} on my credit report. I do not know anything about this debt. The debt was assigned XX/XX/XXXX and has been refreshed to XX/XX/XXXX. Per the Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies.
05/02/2022 Yes
  • Debt collection
  • Payday loan debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • SC
  • 29209
Web
This was not sent in error ako ay isang consumer by law at ang information ko ay na misused at ngayon I have some false at not 100 % accurate sa credit ko. Unauthorized use of my credit report. Here again is the incorrect information being reported : FDCPA Section 807 Violation Misleading False Reporting Account Number : XXXX This Account is inaccurate and I'm seeking litigation. Please delete at once.
02/03/2016 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • DC
  • 20001
Web
Services were rendered at XXXX XXXX XXXX XXXX in XXXX XXXX. I paid XXXX XXXX XXXX XXXX with check number XXXX dated XXXX in the full amount of XXXX. The check cleared my bank on XXXX. According to XXXX, the amount of {$140.00} was reported as unpaid debt in XXXX, AFTER I paid the amount in full. XXXX XXXX XXXX XXXX reported me to collection agency Caine & Weiner Company Inc when they should not have.
06/16/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • MD
  • 20774
Web
CAINE WEINER ( Original Creditor : PROGRESSIVE ) BALANCE : {$460.00} STATUS : OPEN ACTIONS TAKE : I have attempted multiple times to communicate with the debt collector and the original company. All attempts have been received with aggression and harassment. They have made it very clear they are not willing to work with me in clearing up this situation. It is effecting my personal and professional life.
05/20/2023 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • SC
  • 293XX
Web Servicemember
I ordered a copy of my most recent credit report and discovered that there is a collection account on my credit agency report that I do not recognize, I have never had an account with them, and I have not received any communication from them in reference to this supposed account. Upon further investigation on my own this collection agency is not licensed or registered in South Carolina to collect debts.
05/05/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Report provided to employer without your written authorization
  • GA
  • 30253
Web
I recently received a copy of my credit report and found proof that Caine & Weiner is illegally reporting inaccurate information about me. The following alleged collection account is listed as being open. This is a violation of the FCRA and is in violation of requisite XXXX Compliant reporting standards. According to the Fair credit Reporting Act I have a right to a completely accurate credit report.
03/10/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • CA
  • 90022
Web
I have disputed XXXX $ since XX/XX/22 for debt having a negative impact on my credit. This is a debt for service never rendered. I reached out in emails and spoke to the service provider I thought she understood and updated there information but then they still sent it to debt collector that I have emailed my concerns in detail and I got no response so I disputed in XXXX XXXX and XXXX multiple times.
12/28/2021 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • WA
  • 98499
Web Servicemember
I received a letter from Caine & Weiner indicating that I owed an alleged debt. Caine and Weiner obtained my home address in which I never gave this information to them. Caine and Weiner violated numerous consumer laws in the letter they sent to me. I sent Caine & Weiner written notice to cease and desist and an Affidavit containing violations of the FDCPA. Caine & Weiner have yet to honor my demands.
12/11/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • MD
  • 210XX
Web
Multiple attempts have been made to clear my credit report from third party reporting agencies that I have not, nor had any prior business with. The report keeps coming back as verified and no solutions to my complaints. My fair consumer rights have been impacted because of false information, non privy information and outdated information. Caine & Weiner Co. INC Has no business agreement with myself.
12/21/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Improper contact or sharing of info
  • Talked to a third party about my debt
  • PA
  • 17543
Web Servicemember
My son is XXXX, in the US XXXX. I still receive mail addressed to him once in awhile and have his permission to open mail and deal with any issue that might arise. I received a letter from a collection agency requesting a balance owed for automobile insurance. They also sent another clients debt and personal information in the same mailing. I tried to negotiate a settlement with them and they refuse.
11/02/2017 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • CT
  • 06010
Web
TO WHOM IT MAY CONCERN - I HAVE BEEN TRYING TO RESOLVE A DEBT SHOWING ON MY CREDIT REPORT FROM CAINE AND WEINER. I HAVE SENT A CERTIFIED DEBT VALIDATION LETTER ON XXXX WITH NO RESPONSE FROM THE COMPANY. I HAVE DISPUTED THIS NUMEROUS TIMES IN THE PAST. I AM REQUESTING YOUR SUPPORT IN GETTING THIS ITEM REMOVED FROM MY CREDIT REPORT PER THE FCRA. THANK YOU IN ADVANCED FOR YOUR ATTENTION IN THIS MATTER.
10/29/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • False statements or representation
  • Attempted to collect wrong amount
  • CT
  • 064XX
Web
I took my pet to the XXXX XXXX XXXX, after the second visit my pet died and I notified the VCA XXXX. I then received a document from the XXXX XXXX XXXX XXXX stating I have {$0.00} amount due on XXXX/XXXX/16. I then received another document from Caine & Weiner stating they are attempting to collect a debt of {$220.00} on behalf of XXXX XXXX XXXX XXXX dated XXXX/XXXX/16. I will attach both documents.
05/25/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • NC
  • 28052
Web
According to the FCRA, I have the right to an accurate credit report. Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. This company isnt the original creditor. Im no longer liable for this debt, being that the original creditor already sold my debt to you. Meaning youve been paid for my debt and Im no longer liable for this debt
02/23/2019 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • IA
  • 502XX
Web
In XX/XX/2018 I pulled all 3 credit reports from all 3 credit bureaus. I noticed CAINE & WEINER listed as a collection. In XX/XX/2018 I disputed alleged account with all 3 credit bureaus. It came back as verified in XX/XX/2018. I have not received a dunning notice. I also was not informed within 30 days of placing negative information into my credit file. You have trampled my rights to due process.
11/12/2018 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • OH
  • 449XX
Web
I received a letter advising me that Caine & Weiner had acquired a debt in my name. I immediately respond by USPS that I disputed the debt and I requested that they send me an itemized statement so that I could/could not validate the debt. I was NEVER provided with anything, I was also never contacted again and only found out this debt was still active when I received an alert from my credit file.
12/11/2017 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • NC
  • 27834
Web
I am concerned because I have been paying a monthly payment to XXXX XXXX XXXX to pay off a debt and they still put on my credit report showing as a collection. I thought as long as they are receiving a payment they ca n't add to my credit report. I want deleted off my credit report since I pay them monthly. I am in the process of purchasing a house and this has dropped my credit score tremedolous.
12/21/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Improper contact or sharing of info
  • Talked to a third party about my debt
  • PA
  • 17543
Web Servicemember
My son is XXXX, in the XXXX. I still receive mail addressed to him once in awhile and have his permission to open mail and deal with any issue that might arise. I received a letter from a collection agency requesting a balance owed for automobile insurance. They also sent another clients debt and personal information in the same mailing. I tried to negotiate a settlement with them and they refuse.
12/02/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Problem with a company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • MD
  • 20877
Web
I am in process of purchasing a home and have found multiple accounts under my name that I had no knowledge of. I did have to get my bank account updated several times due to identity theft. After denying the said accounts, the companies not only not provide accurate information proving the account to be mine, but failed to show investigation evidence of doing so. This is defamation of character.
04/05/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • OH
  • 44121
Web
The following companys are using my information without my consent. I asked each and every company to validate proof that I gave them consent to use my information and place negative information on my credit profile. After numerous complaints to the companys no action was taken. I demand that these companies remove these negative remarks off of my credit file due to the fair credit reporting act.
04/14/2021 Yes
  • Debt collection
  • Auto debt
  • Communication tactics
  • Used obscene, profane, or other abusive language
  • MI
  • 48224
Web
I XXXX XXXX entered into a consumer agreement with XXXX for car insurance and was a college student at the time. Caine & Weiner opened a collection account on XX/XX/2020 for $ XXXX.XXXX illegally sold my debt to Caine & Weiner ( which is a third party ) .Caine & Weiner is violation of the following 15 USC 1692d ( 2 ) ,15 USC 1681a ( 1 ), 15 USC 1692d ( 1 ), 15 USC 1692b ( 5 ), 15 USC 1692b ( 2 ).
03/15/2023 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • TN
  • 38125
Web
I received notification on XXXX for {$230.00} of debt owed that I did not know ; Caine Weiner violated the law and placed it on my credit report on XXXX without prior notification. Collections CAINE & WEINER Opened XXXX {$230.00} I did not know of this and demanded that it be removed from my credit report. I had no time to dispute this and would like for them to pay a fine to me of {$1000.00}.
02/14/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • 30236
Web
I have no agreement nor account with CAINER & WEINER. They are continuing to report to non-affiliated third parties that I owe a debt to them. Ive never gave them permission to report and or communicate on ALL mediums including to non-affiliated third parties they continue to communicate. They are continuing to demean inaccurate information. They are hindering my ability to provide for my family
06/08/2022 Yes
  • Debt collection
  • Auto debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • IN
  • 464XX
Web Servicemember
Someone used my information for these account I didn't authorize no one to use my information, these is consider fraud. At the time I was diagnosed with XXXX so I wasn't able to open these account. I was in the XXXXXXXX XXXX XXXX XXXX XXXX, I couldn't XXXX XXXX XXXX XXXX and I can XXXX XXXX because XXXX XXXX XXXX XXXX. can you please act on this matter as soon as possible please and thank you.
05/23/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • LA
  • 70360
Web
XX/XX/2021 Caine & Weiner was sent a debt validation letter along with a cease and desist letter through certified mail. Ive requested proper validation pursuant 15 usc 1692g of the FDCPA. Ive also requested to see a contract between Caine & Weiner and I showing that Ive agreed to pay an alleged debt. I did not consent to, authorize nor benefit from Caine & Weiner account on my consumer report.
08/01/2017 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was paid
  • NC
  • 278XX
Web
This company, which I hold no contract with nor have received services from, reported a collection account against my ssn in the amount of XXXX. I filed a dispute requesting validation of the debt and account however they have not provided any proof. I am not obligated to this alleged debt because I have no signed or verbal contract with this business nor have I received any services from them.
09/16/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • IL
  • 60616
Web
This company is attempting to collect additional charges for services not rendered. This policy was canceled in XX/XX/2023. The final payment was made in XXXX of 2023. The company generated a new charge and billed for XX/XX/2023, at which time I did not have an account or billable services. I have attached supporting documents and would like this account removed from all credit agency reports.
07/27/2023 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Indicated you were committing crime by not paying debt
  • LA
  • 71303
Web
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
07/14/2023 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Indicated you were committing crime by not paying debt
  • MI
  • 48204
Web
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
12/01/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • MS
  • 38654
Web
I am not looking for this complaint to be changed to a request for a dispute. Ive done that already. I am looking for this information to be DELETED per the XXXX. The creditors have had XXXX days and XXXX dispute letters sent to resolve this and they have failed. Now it is time to DELETE the accounts per the XXXX. Please do not close this complaint without resolving this completely. Thank you
03/07/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • IA
  • 500XX
Web
This company is reporting constant late payments on my account, however the account is not mine whatsoever, I called and spoke to them and told them they were reporting incorrectly, they then told me they were going to continue to report anyways. I asked for the original documentation and contract that was supposedly mine and they emailed me a blank pdf file with some non-sense written on it.
05/16/2023 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Indicated you were committing crime by not paying debt
  • TN
  • 37221
Web
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
05/14/2023 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Indicated you were committing crime by not paying debt
  • PA
  • 19468
Web
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
05/14/2023 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Indicated you were committing crime by not paying debt
  • WI
  • 53210
Web
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
05/08/2023 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Indicated you were committing crime by not paying debt
  • FL
  • 33612
Web
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
04/20/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • IL
  • 605XX
Web
On XX/XX/20, i submitted a correction to my credit report to all 3 credit bureaus online & in letter form. Both, XXXX XXXX XXXX have fixed problem. However, to my surprise XXXX refuses. They closed my case, and I have have to resubmit online again. They are reporting an account with a balance of XXXX $ from Caine & WieneXXXX, which is negatively affecting my credit report for the last month.
10/19/2021 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 34212
Web
HELLO MY NAME IS XXXX XXXX AND IVE BEEN ATTEMPTING TO TRY AND RESOLVE THIS MATTER WITH CAINE & WEINER. PLEASE READ THE FOLLOWING NOTICE THOROUGHLY AND CAREFULLY BEFORE RESPONDING. IT IS A NOTICE. IT INFORMS YOU. IT MEANS WHAT IT SAYS. FOR THESE REASONS IT IS RECOMMENDED THAT YOU CAREFULLY CONSIDER THIS NOTICE AND RESPOND IN SUBSTANCE, WHICH MEANS ACTUALLY ADDRESSING THE POINTS RAISED HEREIN.
05/22/2022 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 33009
Web
As a business owner, I signed up for credit card processing and paid fees and membership. When I cancelled the service - returned the equipment, soon thereafter I received notification someone purchase this collection debt - that I owed them XXXX. I complied with their demands- do not understand why they are billing me XXXX- i received no billing and do not understand why I owe them money.
04/22/2022 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 92584
Web
I received an invitation to enter into a contract by way of accepting terms by my silence if not replied within 30 days in XXXX of XXXX by Caine & Weiner, I disputed this companies validity of debt XX/XX/XXXX by Certified US mail. Merchant never validated the ownership of this debt, XX/XX/XXXX creditor illegally reported this account to credit bureaus without validating ownership of a debt.
08/28/2021 Yes
  • Debt collection
  • Other debt
  • Threatened to contact someone or share information improperly
  • Talked to a third-party about your debt
  • CO
  • 80911
Web
This company has commuted third party disclosure fraud twice. They initially sent me an email with no security protections that led to third party disclosure describing my debt owed. They then called a number associated with me, and again withough verification of the consumer, began releasing private information to a third party. When questioned about the disclosure, they hung up the phone.
11/05/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CT
  • 068XX
Web
XXXX put me in collections and is hurting my credit big time my ex husband used my name for insurance and was not responsible to take care the payments so now As a XXXX parent I am supost to pay some bill that is not mine! Caine & wainer is putting my credit score down and I dispute this many times and nothing ia getting done! If was my bill no problem but I cant pay some that is not mine
01/29/2023 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • AL
  • 36117
Web
Caine & wiener is reporting a debt on my credit reports. XXXX is listed as the original owner. However, XXXX was notified that the vehicle was repossessed XX/XX/2021 and therefore there should be no balance owed. Documentation to support this was sent to XXXX However, this is reporting as valid and it has not been validated or verified. It is causing issues with me getting an apartment.
07/06/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • IL
  • 601XX
Web
I've recently reviewed my credit report and noticed that an account from an debt collector that i never entered a consumer credit transaction with. I have reason to believe they have violated privacy and my consumer rights under the FDCPA and FCRA. I never gave consent or been in contact with this company for them to furnish an account or send information to the credit reporting agencies
08/02/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • MO
  • 640XX
Web
My husband and I owed a balance to XXXX XXXX XXXX. On XX/XX/18 I mailed a check to them paying this balance. After I had paid the debt we received letters from a collection agency telling us we need to pay them. I sent them a copy of the cancelled check, but they will not remove it from our credit reports. The collection agency is Caine & Weiner, XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX.
07/20/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • OH
  • 44120
Web
I had an insurance policy with progressive that was on a prepayment system. I cancelled this policy before the start of the next billing cycle however I was billed for an additional month. I was able to settle this with progressive however a debt collection agency began reporting this as a past due debt. I tried disputing this with the debt collection agency however they didn't respond.
05/20/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CT
  • 062XX
Web
I had automatic payments coming out of my account from XXXX. I canceled the insurance when i got rid of the car. I Just got a credit report and seen that XXXX was on there through Caine Weiner saying I owe them Money. I never got any notice or phone calls or anything and there is no last activity date or a contact phone number. I Should n't owe anything because I had automatic payments.
09/23/2021 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NC
  • 275XX
Web Servicemember
XXXX account was canceled on XX/XX/21 in writing and with in 30 days Cain & wiener placed a Collectsion on my XXXX XXXX and XXXX credit report. Please request progressive to supply you with the amount owed in writing because I feel they have an inaccurate amount as per their early cancellation policy. XXXX or XXXX, My credit damaged and it could take seven years for it to be removed.
02/17/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • TX
  • 77065
Web
XX/XX/2020 We paid the debt directly to XXXX XXXX XXXX. We were assured all was paid and they would immediately have it removed. We had no idea we still owed them we went to another insurance company. Now 11 months later I get an alert on my credit of a collection agency saying I owe them {$130.00}. This debt should have never been on my credit and now it's effecting us greatly.
10/04/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • FL
  • 32304
Web
The collection agency CAINE & WEINER are not license to collect in the state of FLORIDA. The address listed on my credit report is NON EXISTENT. It belongs to a self storage unit. Both FLORIDA licenses from CAINE & WEINER have EXPIRED meaning they CAN NOT collect in the state of FLORIDA. I have disputed the account multiple times with no results and the account keeps getting updated.
07/24/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • SC
  • 29407
Web
Caine & Weiner put a debt collection on my credit report from XXXX XXXX XXXX now I cancel my policy with XXXX XXXX XXXX and went to XXXX XXXX. Now. You pay from the month ahead with auto insurance. So I cancel my policy with XXXX so I do not own them anything! Again you pay for auto insurance for the month ahead!! So I own them nothing. Thank you for any help to resolve this matter!
08/27/2017 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 76705
Web
I discovered this tradeline on my credit report so I requested validation in accordance of FDCPA and Texas Debt Collection Act onXX/XX/XXXX ( attached ). OnXX/XX/XXXX Caine & Weiner responded ( attached ) but did not provide me with any proof of validation or any proof they are even allowed to collect debt legally in Texas. I have also disputed directly to credit bureaus under FCRA.
01/16/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • NY
  • 11722
Web
I sent a validation letter to Caine & Weiner Company Inc via registered mail # XXXX XXXX XXXX XXXX XXXX on the date of XX/XX/2022 to validate the debt they claim I owe. I have no knowledge of a debt or obligation so I asked them to kindly validate it in a notice. They didn't respond. They are currently causing financial injury to me and making it difficult for me to acquire credit.
11/29/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • SC
  • 29730
Web
I have been receiving nasty calls from Caine and Weiner since mid XXXX. When I ask what is the nature of the calls the agents get upset and rude. Today on XX/XX/22 I received mail. I called and advised that the debt was paid. The agent still insisted that I pay. I spoke with XXXX who advised me that I no longer owe the debt and correspondent has been sent to Caine & Weiner company.
04/23/2018 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • FL
  • 32824
Web
XXXX XXXX originally advertised {$150.00} for the services I needed, only to come back to charge an additional XXXX dollars that made my credit card go over its limit, and now its reported as a negative derogatory on my credit report. XXXX XXXX falsely advertised the cost for its services. Amount : {$260.00} Please help me remove this false claim against my credit Best regards,
05/05/2023 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Indicated you were committing crime by not paying debt
  • FL
  • 33167
Web
I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.
04/27/2023 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Indicated you were committing crime by not paying debt
  • CA
  • 949XX
Web
I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.
03/18/2023 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Indicated you were committing crime by not paying debt
  • TX
  • 76017
Web
I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.
10/21/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33572
Web
Loan was for a company which was shut down during covid and has been forclosed. Caine & Weiner Is a debt collection agency which has reported debt to my personal credit even though it was not personal debt and did not have a personal guarantee signed on the debt. If anything they need to be reporting it to company credit and not bully me personally to pay debt that is not mine.
02/25/2021 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • PA
  • 19320
Web
Is reinsertion illegal? I believe it is. Back in XXXX I wrote Caine Weiner a basic dispute letter I found on XXXX. They removed the account from my credit between then and XXXX. That item has reappeared out of no where on my credit, same company and everything. This is totally illegal. They can not reinsert an item after they requested account deletion from the credit bureaus.
08/26/2020 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • IL
  • 616XX
Web
I checked my credit report online and saw a collection account listed by Caine & Weiner for XXXX XXXX in the amount of {$99.00}. I never received any communication from this agency relating to this alleged debt prior to it being put on my credit report. I do not owe XXXX any money and I would have told them that if they would have notified me in advance as per FCRA guidelines.
03/26/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Taking/threatening an illegal action
  • Attempted to/Collected exempt funds
  • CA
  • 91762
Web
CAINE AND WEINER SUED ME WITHOUT PROPERLY NOTIFYING ME AND COLLECTED ALL OF MY MONEY FROM MY BANK ACCOUNT ON A TIME-BARRED DEBT TWICE. I FILED A CLAIM OF EXEMPTION BOTH TIMES BUT EVERYTHING HAPPENED SO FAST I JUST DID NOT KNOW WHAT TO DO AND THE JUDGE DENIED MY CLAIMS. NOW WITH TIME I REALIZED THAT THEY VIOLATED CODE OF CIVIL PROCEDURE BY COLLECTING MONEY THAT IS TIME BARRED.
09/26/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Problem with personal statement of dispute
  • GA
  • 30016
Web
I sent a validation letter to this collection agency twice requesting validation. The most recent validation letter was presented to this collection agency XX/XX/2021. The letter requests validation within 30 business days. I have yet to receive the validation and they are continuing to report negative information on my credit report with all three credit reporting agencies.
05/10/2021 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • FL
  • 33713
Web
I received a letter from Caine & Weiner about a debt that I do not owe to XXXX XXXX company in the amount of {$280.00}. I mailed Caine & Weiner debt collector a debt validation letter so that they may validate the debt that is stating is owed by the XXXX aka XXXX XXXX XXXX XXXX The {$280.00} has been discharged or written of by XXXX XXXX XXXX and can be confirmed by them.
06/30/2022 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • NV
  • 89117
Web
The debt is disputed ( see attached letter sent ) and asked to not contact me again. Not only did Debt collector called again, she left voice mail lecturing me on how I need to pay this purported debt. Then she called again ( this time I saved an image of the call and voicemail to evidence the abusive practice - see attached ). Please help make this abusive behavior stop.
03/03/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Was not notified of investigation status or results
  • DE
  • 19720
Web
This company continues to report false information on my credit report. this company claims to be allowed to collect on this alleged debt. This company can not provide the contract that I signed that states I owe this debt. Further more this company can not produce actual proof that they purchased this debt from anyone. I demand to see the proof, if not i want this deleted.
11/30/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30324
Web
I'm not liable for this debt with progressive. I do not have a contract with CAINE & WEINER, they did not provide me with the original contract as requested. I orgianlly sent a certified letter XX/XX/2023 and have not heard back from them which is past 45 days as the law requires. i require Correction to my credit report. I demand this account be removed from credit report
11/16/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Problem with a company's investigation into an existing issue
  • Investigation took more than 30 days
  • AR
  • 72076
Web
Recently noticed and inaccuracy and FDCPA violation from Caine & Weiner attempting to collect a debt that doesn't belong to me. Caine & Weiner is reporting an inaccurate date of last activity for XX/XX/2022 on my XXXX Credit Report and a date of XXXX on my XXXX credit report. Under the Fair Credit Reporting Act inaccurate and incomplete accounts must be removed or deleted.
03/21/2019 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • OH
  • 45247
Web
XXXX XXXX continued to bill me after I cancelled my insurance policy years ago. I told them more than once that I no longer wanted their insurance and they said on multiple occasions that I would not be billed. However, they billed me anyways and sent the bill to debt collection without contacting me. I had no idea until I ran a credit report recently. I do not owe them.
02/19/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • NC
  • 28352
Web
Cain and Weiner are reporting inaccurate information on my credit report. I cancelled my policy with XXXX XXXX on XX/XX/2017. I received my final bill notice on XX/XX/2017 that I had a final balance of {$100.00}. I paid XXXX directly on XX/XX/2017 and have a receipt. I never had a debt with Caine and Weiner therefore I am asking for the immediate removal of this reporting.
02/23/2018 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • CO
  • XXXXX
Web
XXXX XXXX XXXX I have never signed up with XXXX XXXX. Please provide me showing a hand written signature that I signed up for this company. Also I want a contract showing that I have any legal obligation into paying you guys for this debt. If you can't provide me with that then I want you guys to remove this from my credit report immediately. Please don't try and call me.
07/05/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Old information reappears or never goes away
  • SC
  • 29212
Web
I came across my credit report recently after I have filed a dispute in regards to incorrect items on my credit report with Caine & Weiner and it was removed on or around XX/XX/XXXX however ; this account has reappeared back on to my XXXX credit report despite the fact that its against the law to replace a negative item back on to my credit report after it was removed.
06/28/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Old information reappears or never goes away
  • ID
  • 83651
Web
On XX/XX/2021 an item on my credit report listed as Caine & Weiner was removed. It has now reappeared on my credit. This item was not verified and valid under the FCRA and by law had to be removed and cease all further collection and reporting actions. This has not been followed. This needs to be removed permanently, immediately, and as this is pending legal action.
10/31/2019 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • VT
  • 057XX
Web
Representative by the name of XXXX XXXX called my personal mobile number to attempt to collect debt that is not mine. I address the concern and asked not to call again, but she was rude and abrupt. I asked to speak to a manager but she released the line. I want to address the compliant and request that her and/or the organization does not call me. Thank you, XXXX XXXX
08/02/2021 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 33060
Web
I sent letter on XX/XX/21 certified receipt # XXXX it appears it was received on XX/XX/21. Caine and wiener is not license to collect debt in the state of Florida. They have NOT responded to MY COMPLAINT so I went on XXXX document and I ALSO NOTICE THERE WAS NO NOTICE OF DISPUTE PLEASE REMOVE THIS ACCOUNT INSCREEN RECORDED MY XXXX REPORT showing no notice of dispute.
11/01/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • NJ
  • 07050
Web
CAINE & WEINER has submitted to the XXXX credit bureaus a collection account for XXXX that does n't belong to me. I have had XXXX communication with them and all of a sudden there appears this collection account. The account does not belong to XXXX it is fraud and needs to be removed. I have attached a police report and FTC affidavit. Please remove and cease collection
03/08/2016 Yes
  • Debt collection
  • Auto
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • TN
  • 37172
Web
This debt collector represent an auto insurance company. The insurance was cancelled before the next billing date. They insist that I owe them a bill. When they called, I tried to explain to them that I did not owe the payment, the caller had a rude and out rate attitude. Later I started getting harassing phone calls where they would call me and hang up when I answer.
02/03/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • GA
  • 30126
Web
On XX/XX/2022 I sent Cane & Weiner collection agency a cease and desist later since they were trying to collect a debt XXXX through XXXX. I they didnt provide me with an original contract and they are violating the Fair Credit Act. I am liable for this debt and will not do business with them. They must delete this collection account from my credit report immediately.
12/16/2022 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Indicated you were committing crime by not paying debt
  • FL
  • 331XX
Web
After trying to fix this with the company that is on my credit I was told that I will be committing a crime if I dont pay this debt. My identity was stolen many years ago and after them telling me they got this debt from XXXX XXXX XXXX has told me I dont hold him nothing and they never sold my information. I need this off my credit/debt collection as soon as possible
03/16/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • CA
  • 91303
Web
Hello, Credit agency did not update credit file properly. I have not signed any written or verbal agreements with signed companies below : XXXX XXXX, Caine & Weiner, any other collection and incorrect reporting as lost or stolen. This is incorrect and I did not sign any contracts with the stated agencies. These items should automatically fall off : XXXX XXXX XXXX
05/26/2021 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 33613
Web
I have reached out to this company two times with a request for validation and I have yet to receive any correspondence in regards to the alleged collection account on my file. I have been able to resolve every other account, however, they will not respond to any of my debt validation requests. I have reached out to them on the following dates XX/XX/2021, XX/XX/2021.
08/10/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • KS
  • 66502
Web
I am asking to be removed from my credit report, because they received my personal information fraudulently. The received it from a company that was supposed to protect my privacy. I would like them to provide the 3 signed documents, I must sign before my personal information could be shared. This information can be found under U. S. Code 15 Commence and Trade 6801.
08/05/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • AL
  • 350XX
Web
I reached out to Caine and Weiner via phone call and asked them to verify the debt belongs to me They listed and address that isnt mine and something pertaining insurance with progressive but I dont have any cars in my name. They told me to file a police report and itll be removed it, it hasnt been removed and below I have an updated copy of the filled police report
07/08/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NC
  • 27262
Web
On XX/XX/2023 I asked that these items be investigated and removed from my report In accordance with the Fair Credit Reporting Act. Caine & Weiner XXXX, has violated my rights. 15 U.S.C 1681 602 A. I have the right to privacy. 15 U.S.C 1681 section 604 A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions.
06/12/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33610
Web Servicemember
I do not know who this collection agency is not have I ever done business with them or been lent any way by this agency for me to owe such debt nor do I agree with this debt on my report as I have never signed anything with such agency. I have told them to not contact me about said debt because I do not owe it yet they still report this debt on my XXXX credit report
04/06/2021 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • TN
  • 380XX
Web
Caine and Weiner added an account from XXXX Insurance to my credit report. Caine and Weiner violated the FDCPA by not notifying me before placing the debt on my credit report nor giving me the opportunity to dispute the debt or have it validated. I am currently disputing this debt with XXXX and filing legal action against XXXX involving this account that I canceled.
12/05/2022 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • GA
  • XXXXX
Web
This debt collector is attempting to collect a debt I don't owe, the insurance company progressive who had insurance with I canceled policy, and want to say I owe them which I don't. Please send me authenticated validation of alledge debt. This is Defamation of character according to 28 usc 4101 ( 1 ) 15 usc 94 6801 CEASE AND DESIST from contacting me in all forms.
04/20/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was paid
  • AZ
  • 85719
Web
Caine Weiner is reporting a debt on my credit file I do know owe. I didn't know about the debt until I checked my credit. As soon a I found out I paid the debt. I never received a phone call or letter regarding this debt. They are in violation. Also, they continue to report the debt and hurt my credit after it's been paid. This is erroneous! It needs to be removed.
09/09/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • FL
  • 34957
Web
I have a debt collection on my credit report for two years i put multiple disputes in for it and still got no where. I called caine weiner who told me i dont owe XXXX XXXX and sent me a letter to have it taken off and i dont owe them please take off my credit report asap. Case number is XXXX for the dispute i put in XX/XX/XXXX that is still open and its XX/XX/XXXX.
04/27/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • NY
  • 14228
Web
The lack of support during the tedious process I have felt extremely violated and compromised and as well as devalued as a consumer the following inquiries XX/XX/XXXX XXXX XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX unknow creditor inquiry XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX all the following inquiring reports was made without proper permission on my behalf
03/26/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Taking/threatening an illegal action
  • Attempted to/Collected exempt funds
  • CA
  • 91762
Web
XXXX SUED ME WITHOUT PROPERLY NOTIFYING ME AND COLLECTED ALL OF MY MONEY FROM MY BANK ACCOUNT ON A TIME-BARRED DEBT TWICE. I FILED A CLAIM OF EXEMPTION BOTH TIMES BUT EVERYTHING HAPPENED SO FAST I JUST DID NOT KNOW WHAT TO DO AND THE JUDGE DENIED MY CLAIMS. NOW WITH TIME I REALIZED THAT THEY VIOLATED CODE OF CIVIL PROCEDURE BY COLLECTING MONEY THAT IS TIME BARRED.
03/26/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 90001
Web Servicemember
I received notification through XXXX from Caine & Wiener which dropped my credit score 74 points for a balance of {$200.00}. I have been a victim of identity theft. The account was open on XX/XX/21. I have never received any information regarding the account until I called them on XX/XX/21. Speaking to the manager XXXX she didnt do anything to resolve this issue.
05/08/2018 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30034
Web
I am not indebted to Cain & Weiner Company, nor XXXX XXXX. The policy that had with the alleged company I canceled after 10 years. I immediately purchased another insurance policy with another company, which I currently still have. I DO NOT OWE {$130.00}. I disputed this with them and they are still sending letters, and appearing as a negitive on my credit report
07/10/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 34953
Web
Wrote companies on XXXX, XXXX, XXXX, XXXX, and XXXX, informing them that these accounts are not mine and requested that the original contract with my wet signature and date be sent to me, and I have not received them. I also discovered that neither company is authorized to collect in the state of Florida. Companies that are wrote : XXXX XXXX XXXX XXXXXXXX XXXX
01/13/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Difficulty submitting a dispute or getting information about a dispute over the phone
  • MD
  • 21234
Web
I have been trying to dispute an collection account with Caine & Weiner. I do not have a contract with this company so they should not be reporting to the credit bureau. I have tried to logon to my XXXX account and have been unsuccessful in doing so. It is telling me that my logon information is not correct and I have been using the same email account for years.
12/02/2021 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • XXXXX
Web
I have disputed directly with the credit bureaus to make them aware that the collection agency does not have a surety bond on file and is definitely in violation of the XXXX XXXX XXXX. As usual, XXXX continues to report. I have attached proof from the Secretary of State. The collection is a third party and is in violation. XXXX insists on reporting this account.
07/20/2020 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 33165
Web
I sent out a dispute letter on XX/XX/2020 directly to the creditor regarding the validity of this debt. It has been more than 30 days and I have not received any information with proof of this alleged item, specifically the contract, note or other instrument bearing my signature. They have failed to respond and are violating my FCRA 30 day investigation right.
11/02/2021 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • VA
  • 23669
Web
I am demanding removal of this collection from Caine & weiner. My debt is not with them. I do not owe them the {$510.00} that is reflected on my credit report and it is deeply impacting my credit score. Caine & weiner claims that the debit is from XXXX, but can not show proof that I owe them this debt or that I have ever had any contractual obligations to them.
05/29/2017 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • TX
  • 78660
Web
This debt was paid on XXXX XXXX , 2017, directly to Caine & Weiner. ( See attached ) copy of certified funds ( that was cashed ), copy of credit report entry, certified USPS slip and delivery confirmation of the funds. The balance needs to be reported as paid in full per OCC and FDCRA regulations or reported to the appropriate authorities for sanctions.
11/22/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • OH
  • 45458
Web
CAINE & WEINER Original creditor : XXXX Has put a collections on my credit report. I would like this remark removed from all credit reporting agencies. I have no knowledge oft this debt nor own it. Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Collection account. {$510.00} past due as of XX/XX/XXXX. Status updated XX/XX/XXXX XXXX
05/24/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • TX
  • 752XX
Web
I have been disputing this account on my credit reports for a few months now to no avail.This account was removed and then placed back onto my credit report. I have sent a reinvestigation letter, letter to the collection agency as well as method of verification and factual dispute. The date of last activity continues to be updated while in the dispute process.
12/04/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NC
  • 283XX
Web
Credit reporting improper use 15 US 1681 section 2 states I have the right to privacy In accordance with the fair credit reporting act XXXX has violated my rights. 15 US 1681 section 2 states a consumer can not furnish a account without my written permission 15 US 1666 B : A creditor mXXXX not treat a payment on a credit card account under any circumstances.
02/24/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30019
Web
In accordance with the Fair Credit Report Act XXXX Account : XXXX Amount Collect : {$780.00} from Creditor : CAINE & WEINER, has violated my rights. 15 U.S.C 1681 Section 602 A, States I have the right to privacy. 15 U.S.C 1681 Section 604 A, Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
12/30/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • MD
  • 21117
Web
I've been trying to get this charged off account removed since XXXX, this account is showing inaccuracies, wrong dates and wrong amounts owed is not matching, this account clearly shows that it's been charged off and debt was sold, this been appearing since 2017 and it's been a nightmare trying to repair my credit just to be financially stable for my family
09/18/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NY
  • 11510
Web
in accordance with the Fair Credit Reporting act XXXX Account Caine & Weiner has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.
06/09/2022 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • OR
  • 977XX
Web
They said I owed more than I do!!! And then after they stop picking up my they give me a Service interrupt charge of {$35.00}, and didn't start my service back!!!! Charge me {$35.00} if you are continuing services but not if you stop!!!! I have several letters from them and there's nothing about a back payments being missed!!! Until after they cut me off!!!
05/05/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NJ
  • 08831
Web
n accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX account # XXXX, XXXXXXXX XXXX XXXX XXXXXXXX account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
05/17/2021 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Attempted to collect wrong amount
  • GA
  • 30144
Web
I received alert notifications from XXXX and XXXX. I have NEVER received a notification in the mail nor phone call from this company. I have no idea who they represent and they are adding derogatory to my credit report every day. I would like to take this investigation further as I am trying to rebuild my credit. I want to have an attorney involved as well.
07/18/2020 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • XXXXX
Web
This company reported an account from XXXX on XX/XX/2018 in the amount of {$490.00}. This collection agency is in violation of FDCPA 809 ( a ) for not providing a collection notice within 5 days after initial communication. The company repeatedly called me at my workplace as well. This was not done 5 days after reporting it to the Credit reporting agencies.
01/08/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TN
  • 37217
Web
I AM BEING CHARGED FOR INSURANCE COVERAGE THAT I DO NOT OWE. MY POLICY WAS A PREPAID POLICY AND I CANCELED MY COVERAGE AT THE END OF THE TERM. YET XXXX IS BILLING ME FOR COVERAGE THAT I DID NOT HAVE NOR AGREED TO EXTEND. THEY HAVE SINCE SOLD THE DEBT TO A COLLECTION COMPANY ( CAINE & WIENER CO. ) THAT IS REPORTING IT AS UNPAID AND IS COMPROMISING MY CREDIT.
07/28/2023 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Impersonated attorney, law enforcement, or government official
  • CA
  • 94582
Web
Debt collection agency has refused to validate debt. They have called and refused to state the nature of the call. They use deceptive techniques and harassment. They present themselves as an attorney, but our only debt collectors I have repeatedly told them that I needed to see a validation in order for me to speak with them, and they have not provided
10/06/2022 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened to arrest you or take you to jail if you do not pay
  • CA
  • 92683
Web
From the onset I do not recognize this account the date of the account was your sign of the it count nor do I recognize being notified of its past due status. That was the victim of the equal facts that had reached 2017 whereas most of my information and they're upon the dark net and I've been paying for it ever since. This is a direct result of I'd theft.
02/18/2022 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • KY
  • 40356
Web
I saw this collection from Caine & Weiner on my credit file for a XXXX XXXX claim. I mailed letters to the credit bureaus and directly to Caine & Weiner twice for debt validation. The accounts on my credit file were marked " customer disputes this account '' but Caine & Weiner never responded with any factual documentation for proof this is my obligation.
09/30/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Problem with a company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • FL
  • 34759
Web
I requested for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully requested XXXX XXXX & XXXX to provide me with competent evidence that I have any legal obligation to pay. I get no response from the company, but they continue to report invalidated information to all of the three major credit bureaus ( XXXX, XXXX, XXXX ).
03/14/2023 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • TX
  • 75189
Web
I have attempted to have them verify this debt due which they have not and have threatened me verbally that if I do not pay this debt they will sue me. I have asked for validation of debt and they have not responded with proper documentation. They have also said to pay debt in full but they will not remove debt which is a violation Under 15 US Code 1681b.
01/17/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • NY
  • 11722
Web
I sent a validation letter to Caine & Weiner Inc. via certified mail # XXXX XXXX XXXX XXXX XXXX on XX/XX/2022 to validate the debt they claim I owe. I have no knowledge of a debt or obligation so I asked them to kindly validate in a notice but they didn't respond. They are currently causing financial injury to me and making it difficult to acquire credit.
03/23/2022 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NC
  • 27587
Web
Received letter advising that debt was for XXXX insurance. Did not have any of my information on the letter. Only 2 vehicles and payment dates. No information verifing or validating that the vehicles belonged to me. Additionally, no payment method advised to confirm payment was made by me. Again, this company is in violation of FCRA reporting standards.
05/27/2017 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • MA
  • 01906
Web Older American, Servicemember
Account Details Last Reported XXXX XXXX XXXX Collection Agency CAINE & WEINER COMPANY INC Original Creditor XXXX XXXX Status Open Opened Date XXXX XXXX XXXX Closed Date -- Responsibility Individual Account. Balance {$3700.00} High Balance {$3 700.00} Remarks Consumer disputes this account information No Idea about this account
05/27/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • DC
  • 20001
Web Servicemember
upon reviewing my credit file on XX/XX/2023 I noticed this Collection account that appeared on my credit file that's the result of fraud and identity theft I continued to reach out to the company so they may investigate this collection account and remove it from my file as of date no one has reached back to me I have never done business with this company
08/24/2020 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Attempted to collect wrong amount
  • TN
  • 384XX
Web
Caine & XXXX continue to send an account with my name on it to collections affecting my credit score and the amount I owe keeps changing the most recent was {$660.00} and but just a couple months ago it's was {$230.00} which makes no sense and they have yet to contact me in any form at all and I believe this a very unprofessional way to conduct business.
07/19/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Was not notified of investigation status or results
  • FL
  • 336XX
Web Servicemember
Caine & Weiner made a report to my credit report without notice to me first once again without allowing me to dispute the charge prior to it being reported to my credit report. This is not the first time they have done this, as there have been times before where they negatively reported to my credit without proper notice and then notified me afterwards.
09/22/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TN
  • 371XX
Web Servicemember
This insurance was set up when my husband was getting a truck from a XXXX dealership. They needed proof of insurance so he set it up really quick under my name ( because we keep accounts logged in ) on accident. When numbers were finalized my husband ended up not getting the truck at all that was paired to insurance and it still sits on the dealer lot.
01/26/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NV
  • 89101
Web Servicemember
XX/XX/2020 someone stole my identity and rented cars from XXXX, XXXX, and XXXXXXXX XXXX the police caught the person in the rental car and XXXX prosecuted the person and worked with the detective on my case XXXX XXXX is the offer number who worked the case and almost 2 years later XXXX sends me to collection trying to collect a debit that I do not owe
01/15/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 32303
Web
the following companies are reporting information on my credit reports that do not belong to me. i have been incarcarated and have not opened any of these accounts. 1 ) CAINE WEINER # XXXX XXXX ) XXXX XXXX # XXXX And also the below listed company is reporting flase late payments on my credit reports which is false information. 1 ) XXXX XXXX # XXXX
07/04/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • NJ
  • 070XX
Web
There was a wrong and fraudulent collection on my credit report from XXXX for the amount of {$430.00}. This is a collection agency that seems to be engaged in XXXX. I made many requests and efforts to clear the information since XX/XX/2020, but credit bureaus just confirmed with the collection Agency, the XXXX, and reported the collection as correct.
07/20/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • MI
  • 48093
Web
Account Number - XXXX Caine and Weiner XXXX is in violation of multiple laws set by Congress under the FDCPA : 15 USC 1692 ( a ), 15 USC 1692b ( 2 ), 15 USC 1692b ( 4 ), 15 USC 1692b ( 5 ), 15 USC 1692c ( a ), 15 USC 1692c ( a ) ( 3 ), 15 USC 1692d ( 1 ), 15 USC 1692f ( 8 ), 15 USC 1692g ( b ) ; As the consumer I have a right to privacy and fairness.
04/03/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MA
  • 021XX
Web
I had a contract with XXXX XXXX space that was supposed to end on XX/XX/19/. I have an email confirming that the contract ends at XX/XX/19, however, XXXX XXXX refuses to end the billing cycle and billed me into XXXX. I did miss two payments for XXXX and XXXX, however, I should not be responsible for further payments. They refuse to correct the bill.
09/30/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • TX
  • 77504
Web
In order to get my new policy I had to {$150.00} plus {$35.00} in fees and I paid XX/XX/22 Payment credit card of {$180.00} to start my new policy. Once I paid the representative said it would be removed from all 3 of my credit reports in 30-60 days from the day it was filed. It is still on my credit report and I am a current policyholder with XXXX
12/28/2022 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • MI
  • 48307
Web
I never received any notification from XXXX and XXXX about this alleged debt - only to find out on my credit report. XXXX and XXXX are illegally reporting this alleged debt on my credit report- have never provided anything in writing to me. When I called to dispute it, they gave me the run around. This has caused my XXXX XXXX to take a nose dive.
06/07/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Credit monitoring or identity theft protection services
  • Billing dispute for services
  • MA
  • 02145
Web
I disputed a collection account from Caine and Weiner with XXXX. I was able to prove I canceled my XXXX account XX/XX/XXXX but was continued to be billed till XX/XX/XXXX. These are fraudulent charges. The item was removed from XXXX report on XX/XX/XXXX but showed up again. It did not stop being fraud! I should not have to dispute over and over.
06/16/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 77469
Web
I noticed the following collection accounts on my credit report that does not belong to me. XXXX XXXX XXXX ... XXXX ... XX/XX/XXXX Caine & Weine XXXX XXXX ... XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ... XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX
11/29/2023 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • PA
  • 187XX
Web
Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to send a notice of cease and desist on all communications. This is a notice to cease all communication both directly and indirectly on all mediums including credit reporting except that this company may only communicate with under the stipulations of responding to a cfpb complaint.
06/21/2022 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • KY
  • 401XX
Web
RE : Violation of 15 USC 1692 ( a ) and 18 USC 1961 Racketeering Discovery Since 2021, CAINE & WEINER has been ruining my reputation. As a result of CAINE & WEINER illegally and unlawfully furnishing such negative reports to my consumer report, some of the following has occurred. Please see attached for further details regarding this matter.
05/05/2021 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Notification didn't disclose it was an attempt to collect a debt
  • FL
  • 33155
Web
ON XX/XX/XXXX I WROTE A LETTER TO PROGRESSIVE CAINE & WEINER, XXXX, XXXX AND XXXX. THAT WHEN I HAD PROGRESSIVE WE HAD JUST ENTERED A WORLD WIDE PANDEMIC AND I NEEDED TIME TO PAY. UNFORTUNELTY I HAD LOST MY JOB AND WAS GOING THROUGH HARDSHIPS IN MY FINANCES. THEY HAVE NOT RESPONDED TO ME IN ANY WAY. ACCNT # : XXXX DATE OF INQUIRY : XX/XX/XXXX
07/27/2023 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Sued you in a state where you do not live or did not sign for the debt
  • SC
  • 291XX
Web Servicemember
This company has a collection that is not mine that is reporting on my credit report. However it's also been discovered that this company does not even have a collection agency license in my state of South Carolina. They only have a license to collect in the states listed on XXXX This is a violation of the Fair Debt Collection Practices Act.
07/18/2023 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Sued you in a state where you do not live or did not sign for the debt
  • FL
  • 32703
Web Servicemember
This company has a collection that is not mine that is reporting on my credit report. However, it's also been discovered that this company does not even have a collection agency license in my state of South Carolina. They only have a license to collect in the states listed on XXXX This is a violation of the Fair Debt Collection Practices Act.
09/16/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • CA
  • 90008
Web
I contacted each company and requested under USAC 1681c2 to stop sharing my information due to identify their. I never had an account with any of these company nor did I authorize my credit to be pull and used. I kindly ask for items to be removed due to information mismanagement I filed a report with FTC already along with credit companies.
07/10/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • 30253
Web
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.
07/09/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • WI
  • 53209
Web
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.
07/09/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • WI
  • 53209
Web
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.
06/23/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NC
  • 28214
Web
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.
06/07/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Old information reappears or never goes away
  • FL
  • 33572
Web
I co ntacted Caine and Weiner o n XXXX XXXX 2017 re garding a collection account debt on my credit report which is not mine. I sent a letter certified/read receipt which they accepted and signed for. For XXXX 2017 , the collection account debt was removed from my credit report.. However, it reappeared on my XXXX credit report.
11/09/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • FL
  • 33460
Web
I settled a debt with the creditor XXXX from XXXX and told me they will change the status to settled in full but shows a balance on my credit report please fix this issue its inaccurate and please report this problem to all of the 3 bureaus XXXX XXXX and XXXX have them change the account status on my credit report or Ill take legal action!!
05/03/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Was not notified of investigation status or results
  • AZ
  • 85120
Web
On numerous occasions I have requested an accounting of payments made and an original signed contract from this debt collector, yet it has been over 60 days and they have not provided this information. They were send a letter and were also asked via phone. After asking via telephone the customer service representative laughed at my request.
05/10/2017 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • NJ
  • 07871
Web
I recently filed a complaint Caine and Weiner. They responded that they sent a letter. I did not recieve such letter or I would of asked for a validation/verification and then in turn, pay if the debt was validated. This is a violation of my rights. How can they lie and get away with it. I will exercise my rights and then they will owe me.
12/12/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • RI
  • 02893
Web
15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat, payment on a credit card account under an open end consumer credit plan as late for purpose. 362
10/16/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • MD
  • 21217
Web Servicemember
As a young lady I was never educated about my credit or even checking my credit. Now that I am older and want to purchase a home I Started educating myself more about my credit and Started to look at my credit more. I realized that my identity was used, which I do not understand how people or a person was able to open accounts in my name,
02/08/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 75056
Web
Caine & Wainer Company collection posted since XX/XX/2020 for XXXX $ that was deleted some months and came back to my credit report with unproven that debt that i never owed again. account number is XXXX the insurance company was already closed XXXX years ago when i got the collection again with a unverified debt that need to be deleted.
08/01/2017 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Seized or attempted to seize your property
  • GA
  • 30127
Web Servicemember
I have a fraud case against the company that sold me the truck. Classic bait & switch. After returning there equipment to them, they sent my information to a collection agency through a finance company that is now threatening to take personal belongings. XXXX XXXX XXXX -XXXX XXXX was the salesman who purposefully lied and switched trucks.
03/05/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • 30038
Web
Was billed for insurance I dont have and someone from a address Im not familiar with. Someone used my identity to get insurance and Ive shown proof of my address through email with licenec and other documents.. I have never been associated with the adrsss at all in my life. Its also hurting my credit and ability to obtain my first house
09/13/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • PR
  • 00921
Web
The debt collector Caine & Weiner reported a negative debt in the amount of {$1200.00} reported on XX/XX/2018, XXXX and 4 months ago I didn't have a vehicle on my name and didn't have any type of vehicle insurance because at that time I wasn't located in the state of Florida and was going through a family hardship in a different state.
11/21/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • IL
  • 60827
Web
The company was double paid when I requested a refund of the payment they sent me 2 payments backs I canceled then they went into my account and tried to take the money back, they were successful, but the payment was not authorized so I disputed the charge with my bank because the charge was unauthorized an the account had been closed
12/29/2022 Yes
  • Debt collection
  • Other debt
  • Threatened to contact someone or share information improperly
  • Contacted you after you asked them to stop
  • FL
  • 33860
Web
I HAVE NO AGREEMENT OR CONTRACT WITH COMPANY WHO I HAVE STATED ON MULTIPLE OCCASIONS THAT THIS NEEDS TO BE REMOVED IMMEDIATELY THIS DEBT CAN NOT BE VALIDATED BECAUSE THIS COMPANY HAS NOT PROVIDED THE ORIGINAL CONTRACT WITH MY ORIGINAL SIGNATURE NOR ANY KIND OF PAYMENTS THAT WAS MADE TO THIS ACCOUNT PLEASE PROVIDE OR DELETE IMMEDIATELY
08/03/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • CA
  • 90043
Web
Account Number : XXXX Paid in FULL ON XX/XX/2020 AMOUNT PAID : $ XXXX {$6.00} ( fee ) = {$170.00} Requested to be removed from my credit report. The company 's site still shows a balance. I have contacted Caine & Weiner Collection agency and they refuse to show proof that the credit agency was notified of my XXXX ( XXXX ) balance.
08/08/2022 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • PA
  • 19120
Web
I've already tried to dispute this false charge and sent proof I had an active account at the time so could not be accurate according to XXXX 's company policy on continued service. Further more a lie was stated in the response as I've never spoken to anyone saying " I never had XXXX '' that was a lie an now harassment and slander!
09/16/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • CO
  • 80033
Web Servicemember
I have received numerous calls from a source I know nothing about. The last two calls referred to me as an attorney which I am not. The person who gave his name as XXXX XXXX is saying I have unsettled legal matter with some payday loan company. Twice he referred to me as counselor which I am not. He threatened me with legal action.
02/22/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NJ
  • 08021
Web
I paid XXXX XXXX and they are showing on my credit report as I still owe them I paid them on XX/XX/XXXX they reported on my report as I still owe them and its a charge off. I sent in documents through XXXX to fix the situation and the still are reporting a balance. They where to take this off my credit report and did not do it.
09/18/2020 Yes
  • Debt collection
  • Auto debt
  • False statements or representation
  • Attempted to collect wrong amount
  • MA
  • 026XX
Web
I had taken an insurance policy out on my XXXX XXXX XXXX through XXXX. I spoke with an agent during this process at which time I inquired if I could cancel the policy at any time and was told I was able to do so. They have attempted to retrieve the remainder of the policy amount after cancellation with them back in XXXX of XXXX.
07/07/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • FL
  • 33705
Web
this inquiry was put on my credit report illegaly by a company i have never done business and shared my personal information. i do not remember owning this account nevertheless a status appeared stating XX/XX/2019 i opened this account, it does consist with other consumer reports i have, the company is Caine & Weiner Company.
06/14/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NJ
  • 086XX
Web
XXXXCaine & Weiner reported to XXXX, and XXXX a debt of {$700.00}. I am unaware of such debt. The creditor failed to contact me prior to placing such derogatory remarks on my credit file. It failed to follow the Fair Credit Reporting act prior to report such to the credit bureaus. Please delete the item from my credit report.
01/31/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Was not notified of investigation status or results
  • MI
  • 48146
Web
The CAINE WEINER ( Original Creditor : XXXX XXXX ) was never reported on the other credit bureaus which I why I am totally unsatisfied with the result of your investigation. This was all incorrect and not acceptable. I am asking for you to reinvestigate and remove this account accordingly if no valid proof will be presented.
07/01/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 92308
Web
XXXX XXXX by XXXX billed me for water I never received. When the account was first open I received one case of water and a cooler bought. They billed me for water that they never delivered. They never came back to my address. I remember clear as day the driver was complaining about the drive which was in the year XX/XX/2009.
11/24/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • PA
  • 191XX
Web
I asked XXXX to remove this incorrect information off my credit report as it is slowing down my process of succeeding & not only that the information is not mine nor have a got ta validation or it has been verified and its been over 90days of disputing.. please help immediately Caine & Weiner is the account for {$660.00} ..
08/18/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33032
Web
The following account is reporting on my credit report. I've requested numerous of times to provide validation from this collection company. This collection company has not provided me with any contract agreements towards this. I've been back and forward for over 1 year. This account was removed from my XXXX / XXXX Report.
07/11/2017 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 32218
Web
This is reporting on my credit bureau file with XXXX and I need it removed immediately. I do not have a contract with this company nor have I ever had a contract with this company. Under the FCRA this company has to validate ( provide proof of my contract with them to the credit bureaus ) which they have not complied with.
07/18/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • IL
  • 60620
Web Servicemember
Out of nowhere this XXXX debts is added to my credit files from a collection company called Caine & Weiner. I tried calling them but they are stuck on their own beliefs without any proof of what a actually owe. Contacted them on XXXX, 2021, and again on XX/XX/2021 to no avail. I want this removed from my credit file ASAP.
06/18/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TN
  • 37209
Web
After reviewing my most recent report, I discovered some items for which I had never applied or received any correspondence. A bill sent without a signature does not suggest that the debt is legal, and anyone can claim ownership of a bill. Be warned that this is an effort to violate FDCPA 1692, which is a federal statute.
09/17/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CA
  • 95815
Web
while i was purchasing my home i applied for homeowner insurance i submitted XXXX different quote from XXXX different companies naturally my lender went with the lower of the XXXX the other company was notified they are trying to collect XXXX dollars for covering the house when in fact it was insured by state farm already
12/04/2021 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • PA
  • 19146
Web
Third party agency furnished an account for me using my personal identifying information. Which is identity theft! There is no binding contract between me and this third party agency. This agency is also participating in solicitation as my personal information was sold to them or transferred. Pursuit 18 U.S.C. 1029
09/14/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • SC
  • 29488
Web
I called and sent in police report that my information was stolen and these items keeps coming up verified, of course it would they had my birth certificate, social security card, and ID. I asked for proof of a signed contract by me plenty of times but never got it! Please validate with a signed contract by me or delete!
11/15/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 301XX
Web
upon trying to resolve this debt with this company that i dont know or signed any contract with they have been bothering me by mail and phone calls to collect over XXXX dollars that i do not owe them again i have never signed a contract with them in person or electronically for any reason neither any of there affilliates
09/25/2018 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • MA
  • 01906
Web Older American, Servicemember
There is a collection for {$3700.00} from XXXX XXXX on my report that I never incurred or signed for, can't imagine what it is. I'm XXXX yrs old and this is very distressing. The collection agency is listed as : CAINE & WEINER COMPANY INC an internet search comes up with their site as : https : //www.caine-weiner.com/
11/20/2022 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • NY
  • 10550
Web
I recently pulled a copy of my credit report and notice and caine & weiner there I have no idea what this debt is about or what it is for this is a company I have never done business with. I wrote them and to date I have not received a response from them. At this point I just need them to be delete from my credit report
05/15/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • XXXXX
Web
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
10/11/2017 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NC
  • 27127
Web
Ive sent out a debt validation to Caine and Weiner company on XX/XX/XXXX/17 they could not validate this debt for {$120.00} because it wasnt mine so therefore they removed it. XXXX removed it off my credit report but XXXX did not! The debt is not mine and I would like it removed from my credit report as soon as possible
05/14/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Right to dispute notice not received
  • VA
  • 22031
Web
XXXX from XXXX debt collection agency called me XXXX month ago about a debt owe to XXXX XXXX. She told me they got the letter back which they send to my old address and asked for new address. She said they are going mail me the documents, but I never got the letter from them. Now they do n't want to send me any letters.
03/08/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • PA
  • 19120
Web
I askedcompany to cease and desist at least 3 times by mail, they are still sending me letters in regards to the debt. I asked company to validate debt over 3 times, they couldnt. They are still reporting debt and in violation of the fcra. I would like debt removed and settlement in regards to their numerous violations
10/27/2021 Yes
  • Debt collection
  • Auto debt
  • False statements or representation
  • Attempted to collect wrong amount
  • PA
  • 19135
Web
Caine & Weiner at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX has been sending me collection notices in the amount of {$1100.00}. The collection has been reported as past due balance. i do not know this company. I have never done any business with this company. this company does not have a contract with my signature.
08/09/2020 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • IN
  • 47630
Web
This company pulled my credit before ever contacting me, I learned about there attempt to collect via credit monitoring service. I have requested documents to confirm debt both by phone and certified mail. They have continued to call without providing proof of debt. They have also called family members related to debt.
09/24/2021 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • PA
  • 191XX
Web
Cainer and Werner Company INC of XXXX XXXX XXXX, XXXX XXXX, CA XXXX, has been sending me collection notices in the amount of {$240.00}. This balance has been reported as a past due balance. I do not know this company. I have never done business with this company. This company does not have a contact with my signature.
08/03/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • MD
  • 20748
Web
I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The 3 Credit Bureaus are reporting inaccurate information on CAINE WEINER ( Original Creditor : XXXX XXXX ). Per FCRA, reporting must be 100 % accurate or the information must be deleted.
08/31/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CT
  • XXXXX
Web
I spoke to the company and provide documentation that I had other insurance. I filed a small claims writ and summons against the company to appear in court. The company never sent a debt validation or any policy documents obtaining my signature of insurance acceptance from progressive which is mandatory by state laws.
06/11/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 77045
Web
Just saw Caine & Weiner pop up on my credit report, tanking my credit report XXXX points. I have never done business with them nor have I authorized them to report on my credit, Im sending this letter because I dont believe they have a signed contract or a past invoice with their company letter head on the top of it.
07/02/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • IN
  • 46222
Web
After reviewing my most recent report, I discovered some items for which I had never applied or received any correspondence. A bill sent without a signature does not suggest that the debt is legal, and anyone can claim ownership of a bill. Be warned that this is an effort to violate FDCPA 1692, which is a federal law
07/28/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • LA
  • 708XX
Web
I had my credit report recently pulled, and there were multiple duplicates I've already reported, then there were 4 other companies on my credit report that ive never done any business with. XXXX # XXXX CAINE & WEINER # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX I've never did any business with these companies.
12/04/2023 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • OH
  • 446XX
Web
Caine and Weiner gave me the amount I actually owe XXXX and XXXX and I wanted to make payments ( 3 in total for both but had to split it in two because of separate accounts for a total of 6 payments ) and are charging me an additional {$7.00} per payment for a convenience fee. So XXXX XXXX in total conscience fees.
04/07/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • MO
  • 64014
Web
n accordance with the Fair Credit Reporting act XXXX Account Caine & Weiner, XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
04/25/2019 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • WI
  • 53151
Web
Just got off the with a female representative who refused to disclose any details or send me any information in the mail regarding two accounts I have with them. Todays date is XX/XX/2019 and the phone call was at approximately XXXX XXXX cst. I am disputing both of these accounts and they are refusing to cooperate.
10/24/2023 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • NY
  • 11706
Web
CAINE & WEINER COMPANY you have communicated with me a consumer in connection with the collection of a debt Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction in failed the requirements imposed pursuant to 15 usc 1692c ( a )
09/06/2023 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 77459
Web
The amount of {$92.00} collection was placed on my credit report. With no letters or calls to state debt owed. I sent out a debt validation letter after the collection was placed onto the credit report and received no response back after 30 days. I also have disputed this with credit bureaus as an invalidated debt
05/09/2019 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • CA
  • 92411
Web
California has a statute of limitations of four years for all debts except those made with oral contracts. For oral contracts, the statute of limitations is two years. This means that for unsecured common debts like credit card debt, lenders can not attempt to collect debts that are more than four years past due.
01/25/2019 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • UT
  • 84047
Web
Caine & Weiner CO is attempting to collect on a debt that is not mine, for XXXX XXXX. I have never had XXXX XXXX. I have never received any notices from either of them. I noticed this collection on my credit file. Caine & Weiner is in violation of my 30 day right to dispute, as I have never received any notices.
11/08/2017 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CO
  • 80204
Web
Caine and Weiner have sent me a debt collection letter me regarding a non-existing debt for $ XXXX XXXX XXXX I contacted XXXX XXXX twice, on XXXX and XXXX XXXX, XXXX and they confirmed i did n't owe them any money. Caine and Weiner refuse to close the account, and insist that XXXX XXXX referred the debt to them.
02/15/2016 Yes
  • Debt collection
  • Auto
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • CT
  • 06320
Web
Caine and Weiner claim I owe XXXX for a Progressive policy that was paid via money order, the amount is also incorrect. I do not have a copy of money order to provide as it was paid well over a month ago. I believe the amount paid was in the XXXX range, not sure. I do not know how they come to an amount of XXXX.
11/22/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • FL
  • 331XX
Web
This company reported an incorrect collections account on all three credit bureaus. I called them and requested they delete the entry and they agree that they would delete it but have not done so. I have the phone conversation with the company representative recorded and intend to present it in XXXX Civil court
01/28/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • MI
  • 483XX
Web
I paid the final bill to XXXX XXXX XXXX, and apparently, as I was making that payment, they sent my owed balance to some caine & weiner collection agency who insists I still owe it. When I call progressive they act like the payment must not have been made because of the fact that it's with a collections agency.
04/14/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • OH
  • 43110
Web
I previously sent a debt validation letter to Caine & Weiner Company regarding an illegally inserted debt the company is reporting on my credit profile. They never replied to my request for validation and still continue to report said debt to the bureaus. I do not have a debt owed to Caine & Weiner Company Inc.
10/19/2023 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • CA
  • 93704
Web
On XX/XX/23 I sent a letter via US postal service certified mail to Caine & Weiner requesting to validate a debt. Tracking number ( XXXX XXXX XXXX XXXX XXXX XXXX ). The letter was received on XX/XX/2023 at XXXX. There has been no response or debt validation letter sent to my address I provided in the letter.
08/10/2023 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NJ
  • 07018
Web
Please see attached, I looked at my credit report & saw this account on my report that was inaccurate, I sent out numerous requests to the debt collector and credit bureau to reinvest this account with no success. Im in the process of buying a home for my family & this item on my credit report is hindering me.
06/30/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • IN
  • 46224
Web
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.
08/15/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Credit monitoring or identity theft protection services
  • Billing dispute for services
  • NJ
  • 08401
Web
I have XXXX. I live in New Jersey I also have XXXX A, B. All my bills are covered it is illegal in nj to balance bill a XXXX recipient I explained this numerous times over the years to the biller. They have my insurance information. They removed the bill from my experience then added it to my transition file.!
05/06/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • FL
  • 32526
Web
I canceled my insurance with XXXX XXXX in a timely manner so I will not be charged. I went with another company. Which is XXXX. I attached documents showing that I had insurance with XXXX. I shouldnt have a debt in collections with progressive insurance. By law a driver can only have one form of car insurance.
02/19/2022 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • NJ
  • 080XX
Web
Caine & Weiner has reported an adverse action to CRA without notifying the consumer of the debt 's existence and has not notified consumer of their Rights under the law. This is the second violation of this kind by Caine & Weiner against me. This company refuses to adhere to Title 15 of the United States Code.
06/20/2019 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • WI
  • 53151
Web
I have a previous complaint against this company that is now closed. XXXX. After my last complaint, the company closed both accounts and removed the negative marks form all 3 credit bureau 's. Last week both accounts reappeared on my XXXX credit report. The amounts are {$120.00}, and {$640.00} for XXXX XXXX.
12/05/2022 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • SC
  • 29625
Web
I am disputing charges with this account. I was told they sent me a letter and have been sending letters about recurring draft that I di not set up. On a call today, I was told they did not have to send to me, but then later in the conversation it was then said they sent it but have no copy to send to me. ]
06/15/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • CA
  • 92708
Web
Inaccurate Account - XXXX XXXX XXXX This account is reported as 2 entries in XXXX. One entry stated open account. The second stated this account as a collection. No report of this account in XXXX or XXXX. I have no knowledge of this account. Please delete as this violates the FCRA in reporting. see attached.
08/15/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TX
  • 77515
Web
XXXX accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX
07/09/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • OH
  • 43615
Web
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States have the right to privacy. 15 U.S.C 1861 section 604 A Section : It also states a consumer reporting agency can not furnish a account without my written instructions
06/02/2020 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • LA
  • 70791
Web
I have sent two verification letters to Caine and Weiner to verify the debt that they say I owe them. Once in XXXX and again last month and I have not gotten any written response. The amount they are claiming I owe them is {$1000.00}. I do not have a signed contract with this company binding me to any debt.
06/08/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 33069
Web
I have not had any dealings with XXXX XXXX . I have not had a reason to utilize any of their services. Without any prior contact, they are reporting false information on my credit report. They have not responded to my previous request for information regarding this inappropriate reporting of information.
03/06/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30253
Web
On XX/XX/2023 I submitted the attached letters to Caine Weiner & XXXX requesting them to validate the information they are reporting. To date, I have yet to receive a response from either company regarding this reporting. This item needs to be deleted from my report as it was not verified within 30 days.
08/13/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 93710
Web Older American, Servicemember
This debt just showed up on my credit report today. It was first reported by XXXX XXXX XXXX XXXX Now it is in the hands of Caine-wiener. The amount is for {$500.00} and from what I understand this is an online betting debt and that is something that i have never done. I dont know how to work a computer.
04/19/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • CA
  • 95901
Web
XXXX XXXXnsurance company was supposed to give a at home order refund per the insurance commissioner. For XX/XX/2020 to XX/XX/2020. They never gave me my credit and when I left the company they stated I owed them. They actually owe me a balance for refund under governments order to stay at home for covid.
10/13/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • NC
  • 28212
Web
Submitted a dispute online and it was denied. I was informed I would be able to make a complaint based on the criteria after dispute denial. Say the acct is from XXXX this year I have XXXX XXXX and before that direct for 3 years..not XXXX which is the main creditors the debt company bought my info from.
08/24/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Was not notified of investigation status or results
  • NV
  • 89129
Web
I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, ENGELHARDT V/ GRAVENS ( MO ) 281 SW 715, 719, I MAY PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE AND SUCH DEBT, IN FACT EXISTS/ FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.
08/22/2021 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Attempted to collect wrong amount
  • MO
  • 63109
Web
Cain and Weiner is a debt collections company used by XXXX XXXX XXXX XXXX. Caine & Wiener been contacting myself and stating a company that I was affiliated with owed a much larger balance to the original creditor. They stated the balance was a certain amount and in fact the actual amount is much lower.
05/02/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • MI
  • 48340
Web
In accordance with the Fair Credit Reporting Act XXXX account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
04/14/2022 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • LA
  • 70115
Web Older American
I have this collection agency ( Caine & Weiner ) trying to collect a debt they allege I owe to XXXX XXXX but I have asked more than once on the phone and by email what this debt is for as I have no clue and I can not get an answer. When I talked to them on the phone they threatened to mess up my credit.
01/18/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • WA
  • 98107
Web
No information was given regarding the account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
07/09/2022 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Notification didn't disclose it was an attempt to collect a debt
  • FL
  • 347XX
Web
n accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C1681 section 602 A states I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions
10/21/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 92544
Web
My car insurance policy ended. But XXXX decided to renew my policy without my knowing while I called them and told them that I did not want to renew the car insurance because I found different car insurance. And they said that I owed them when I did not renew my policy and they put it to collections.
09/22/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • GA
  • 30907
Web Older American
I had paid for a year in advance for garbage disposal from XXXX XXXX, their service was horrible so after a year I did not renew. They came and got the garbage cans. They are now demanding more money {$120.00} and have turned this or to Caine and Weiner. who are harassing me. I paid XXXX XXXX in full
02/23/2022 Yes
  • Debt collection
  • Auto debt
  • False statements or representation
  • Attempted to collect wrong amount
  • TX
  • 76208
Web
I have called and tried to pay this amount that is showing on my credit but when I log in it shows my balance is {$0.00}. They won't remove this from my report and it doesn't show I have an outstanding balance when I log into my account, they continue to harass me about a payment that doesn't exist.
02/11/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • GA
  • 30318
Web
I've reached out and settled the debt in full with the collection company who provided a receipt of payment and a deletion letter that the account will be removed from all reporting credit agencies, including XXXX XXXX, and XXXX I have attached the deletion letter from the collection company below.
05/01/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • XXXXX
Web Servicemember
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : also states a consumer reporting agency can not furnish an account without my consent.
12/02/2020 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • PA
  • 195XX
Web
I paid Caine and Weiner for this debt, and at the time I was assured it would be deleted from my credit report. That was six months ago! I wrote Caine Weiner a letter last month demanding the removal of the account, they have not responded, and the account is still being reported. PLEASE HELP ME!
02/01/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • NC
  • 283XX
Web
company is attempting debt that does not belong to me which is causing a tremendous decrease in my credit score. I value my credit and have put blood, sweat and tears and achieving the positive score that I have. The agency is collecting for XXXX XXXX XXXX whom i currently have auto insure with.
06/07/2016 No
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • FL
  • 32751
Web
I sent the company a letter requesting validation of the debt. This was sent at the beginning of XXXX. To this date the company has not sent evidence that this debt is mine nor that I am responsible for payment. Today, I received a phone call for the company attempting to collect the debt again.
07/08/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 77043
Web
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
03/10/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 79424
Web
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
02/02/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • MD
  • 21229
Web
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
02/02/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • MD
  • 21229
Web
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
01/04/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30344
Web Servicemember
CAINE & Weiner at XXXX XXXX XXXX XXXX XXXX CA XXXX has been sending me collection notices in the amount of {$910.00} the collected has been reported as past due. I do not know this company. I have never done business with this company. This company does not have a contract bearing my signature.
10/13/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • OH
  • 43004
Web
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
09/01/2021 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 31093
Web
Caine & Weiner at XXXX XXXXXXXX XXXX, XXXX KY XXXX. Has been sending me collection notices in the amount of {$430.00}. The collection has been reported as past due, I don't know this company. I have never done any business with this company. This company don't have a contract with my signature.
08/26/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • PA
  • 19146
Web
I am a victim of identity theft and did not make these charges. The items that need to be removed from my report are listed in my supporting documents. I do not know these companies. I have never done any business with this companies. These companies does not have a contract with my signature.
03/20/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • CA
  • 93534
Web
On XX/XX/2018, i settled a debt with cain & wiener collection agency for {$96.00}, original debt was {$120.00} they in turn reported on my credit report that gher was a balance of {$31.00}, also they reported on my XXXX report a mew dept of {$31.00} also a balance on my XXXX report of {$31.00}
12/08/2016 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt resulted from identity theft
  • IL
  • 60659
Web
A debt collector Caine & Weiner XXXX XXXX, has a fraud account on my Equifax credit report. I have police reports along with my ID and Passport proving I was living out of the country for several years. This is some kind of Fraudulent Identity theft/Financial theft. I do n't owe this company.
06/22/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • VA
  • 23462
Web
In accordance with the Fair Credit Reporting Act XXXX Account XXXX has violated my rights. 15 U.S.C 1681 Section 602 A. I have the rights to privacy. 15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
03/30/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • SC
  • 295XX
Web Servicemember
In accordance with the Fair Credit Report Act, Caine & Weiner has violated my rights. 15 U.S.C. 1681 section 602 A states I have the right to privacy. 15 U.S.C. 1681 section 602 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
02/15/2020 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • MI
  • 48642
Web
I was contacted about a collections account and I reached for verification of debt and explicit request to make sure this was verified and not reported to my credit pending proof. Company did not respond nor verify and have the information on my credit. Will sue if not removed immediately
08/29/2023 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • MD
  • 21075
Web
This agency is reporting an inaccurate account which does not belong to me. I have not supplied proof under the doctrine of estopper by silence, Engelhardt v Gravens ( mo ) 281 SW 715,719, 1 presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
04/03/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • PA
  • 19142
Web
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. I recently received a copy of my consumer reports and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
02/12/2018 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Frequent or repeated calls
  • MA
  • 019XX
Web
I am writing to you because this debt is too much for me to repay at this time as I am unemployed and I was recently badly injured because I was hit by a XXXX driver. As a result I can not work and I am asking for a deferment and to have the derogatory marks removed from my credit report.
09/29/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • MO
  • 641XX
Web Servicemember
Submitted complaint on or about XX/XX/23 it has been over 30 days and I have not received a written validation/ contract containing my wet ink signature ( Failure to transmit statement 1637 ( b ). XXXX XXXX and Caine and weiner are in violation. Both entities are in Default and Dishonor.
08/29/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NC
  • 28216
Web
Caine and Weiner at XXXX XXXX XXXX XXXX, KY XXXX has been sending me collection notices in the amount of {$100.00}. The collection has been reported as past due. I do not know this company & Ive never done business with them. This company does not have a contract with my signature on it.
05/04/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MO
  • 641XX
Web
This account ( CAINE & WEINER ) XXXX XXXX XXXX XXXX XXXX, CA XXXX account # XXXX was placed on my credit report XX/XX/2022 with a negative balance of {$830.00}. I do not recognize the account nor do I recognize the account number. I would like this account removed form my credit report.
08/14/2020 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Attempted to collect wrong amount
  • PA
  • XXXXX
Web
XXXX/XXXX/2020 mailed validation letter to confirm what they say I owe that's on my credit report. I told them I did not agree with the total. Certified mail # XXXX XXXX XXXX XXXX XXXX Delivered on XXXX/XXXX/2020. XXXX XXXX XXXX : XXXX XX/XX/2020 sent letter to XXXX, XXXX, and XXXX.
02/17/2022 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Attempted to collect wrong amount
  • SC
  • 29414
Web
This letter is a formal complaint against CAINE WEINER ( Original Creditor : XXXX XXXX ). They have repeatedly violated the Fair Debt Collection Practices Act. A lot of mistakes look as if they exist within this account. Review the status, creditor, account number, and payment status.
09/03/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30115
Web
I sent a certified letter to Caine & Weiner requesting verification that I owed this debt. I never received a response and the account was removed from my credit reports. the account has been re added without proper notice and without ever properly providing verification as requested.
12/09/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Problem with a company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • GA
  • 30909
Web
From a dispute placed in XXXX 2023 The Collection Agency CAINE & WEINER COMPANY INC, was removed from my credit report. As of XX/XX/2023, on XXXX somehow this collection is continuing to reappear with the same inaccurate information on my credit report. Account Number # # # # # # XXXX
03/10/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • PA
  • 19122
Web
this has been going on for way too long. i have filed many reports to the bureaus and have been in contact with the creditors. none of which resulted in anything getting done. there are falsely reported accounts on my credit from someone else and is really making my life inconvenient.
12/31/2015 Yes
  • Debt collection
  • Auto
  • Disclosure verification of debt
  • Right to dispute notice not received
  • PA
  • 19124
Web
I never received the right to dispute these accounts. The early warning - notice clause of FACTA section 623 ( A ) ( 7 ) .his law requires all creditors and collectors to notify me by mail before placing negative items on my credit report. Caine & Weiner are in violation of the FCRA.
10/30/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • MA
  • 01605
Web
Caine Weiner is reporting a fraud account on my credit. This account was opened by someone other than me. I am respectfully requesting the immediate removal of this account from my credit profile as this account is not mine. Please note the attached FTC report and my driver license.
10/07/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Was not notified of investigation status or results
  • DE
  • 19720
Web
This company is reporting a collection account on my credit report. I have reached out and ask them for debt verification, it has been almost 3 months and i have not heard back from them. This is a violation of my rights under the FCRA! I would like for them to be held accountable.
08/17/2023 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Frequent or repeated calls
  • LA
  • 70360
Web
I am not liable for this debt with XXXX, I do not have a contract with Caine & Weiner, I requested a copy of contract I never received. This company has been removed off my consumer report 2 times and keep coming back. They keep harassing me and disturbing my life with this issue.
07/08/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Old information reappears or never goes away
  • OH
  • 44102
Web
This account is unauthorized and has invalid information and violates my privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681 Section 602 States I have the right to privacy.
08/14/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NC
  • 27703
Web
According to XXXX XXXX XXXX, Caine & Weaver is not authorized to collect debt. Therefore, they are operating illegally. After calling them to verify the debt, I was transferred three times providing each agent with my information, and they were unable to locate the debt anyway!
06/15/2021 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • IL
  • 60504
Web
The company Caine & Weiner is attempting to collect a debt from me. In which case I do not know this company and I do not have a contract with this company. I am looking for immediate remove of the following account which is not mine nor is this account associated with me ; XXXX
09/30/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • MO
  • 641XX
Web Servicemember
Ref case # XXXX Companies response says 60 days to investigate. Unacceptable. It's been over 60 days. Both companies has had ample time to provide the requirements of this complaint and correct this matter violating FCRA Section 623 ( a ) ( 1 ) ( B ) and 15 USC 1681 ( A ) ( i )
09/10/2022 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • OH
  • 44095
Web
Caine and wiener have been harassing me via phone and mail and also added a collection account to my credit report for {$180.00}. I have been dealing with this harassment for over 3 years now and I still have not received a clear answer as to why I am being charged and harassed
08/13/2022 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • NJ
  • 078XX
Web
1. Caine & Weiner has been harassing me by phone, text and email. 2. Caine & Weiner is attempting to collect on an alleged debt that is not my obligation. 3. Caine & Weiner DID NOT provide to me the notice of debt contents within five days after initial communication with me.
02/22/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • MI
  • 48505
Web
I don't owe anything to CAINE & WEINER with account number XXXX. They should have confirmed this from the Original Creditor XXXX since I have made my payment to them. Investigate this account thoroughly and make the necessary correction or just remove the account automatically.
07/02/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TN
  • 37209
Web
After viewing my credit report, I found this item reporting negatively an account that I have never applied for. In my recent letter I mentioned that I want you to send to me a proof or documentation bearing my signature that I have legal binding agreement to pay your company.
11/02/2019 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 76016
Web
I was never notified to verify to verify the validity of this debt..My insurance policy was up for renewal i decided to go with a different insurance company.and never should have been billed for new charges.and i still today have the same insurance company that i changed to.
05/20/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • IN
  • 46220
Web
This company has been putting things on my credit report that I do not owe for. Originally my debt was sent to another company. I paid XXXX originally back in XXXX of 2016. Now they have sent this to another company. In all this has cost me nearly XXXX point on my XXXX score.
04/04/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • MD
  • 21204
Web
Finished paying my car insurance for the year but they charged me {$260.00} for a renewal fee and I decided to not renew but I completed my payment and transferred to a new insurance company that same month Then they sold the debt to a third party company and is harassing me
06/27/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • FL
  • 33032
Web
I was XXXX when my mom placed car insurance under my name. I did not sign nor was I aware of this. By law they can not report me to credit bureau. AXXXX XXXX XXXX can not be reported. I will pay what is owed but they need to remove from my credit or I will take legal action.
07/05/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NY
  • 11234
Web Servicemember
I am not liable for any debt with CAINE & WEINER. I did not and do not have any business with CAINE & WEINER. I do not have a contract with CAINE & WEINER and they have not provided a original contract as I requested. This company is violating my consumer right to privacy.
08/15/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 76107
Web
I tried to reach out to this company through mail on multiple occasions to try and rectify the situation over the last 6 months and I have yet to receive an response. I feel this account is affecting my credit and hindering me from being able to obtain a loan to buy a home.
12/06/2017 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 94561
Web
Caine & Weiner Company Inc falsely claims that I owe {$390.00} to XXXX XXXX XXXX XXXX on XXXX XXXX. I recently opened up my first credit card with XXXX XXXX Bank on XXXX XXXX so this debt is unquestionably invalid. This debt was owned by my father with the same name as me.
11/12/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • CO
  • 80015
Web
On XX/XX/XXXX, XXXX I sent Caine and Weiner a letter to validate an account they have placed on my credit report that is NOT mine. It is now XX/XX/2022, and I still have not received a response. Ive included the certified letter I sent as well as the credit bureau report.
04/09/2017 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • OK
  • 73012
Web
I received a letter in the mail from Caine & Weiner on XX/XX/2017. The letter claimed that that I owe XXXX {$520.00}. I do not owe XXXX any money. I called XXXX to verify that no one opened an account in my name. XXXX confirmed having no record of me owing them any money.
11/30/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • IN
  • XXXXX
Web
this company is reporting to the credit bureaus as a colletion account as XX/XX/2022. this is the result of identity theft. i have disputed this account several times have requested validation to no prevail.this company has caused severe damages to my XXXX credit report.
08/15/2022 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • GA
  • 30310
Web Servicemember
Tried to call the company XXXX XXXX several times in the month of XXXX about them canceling my insurance and was told my insurance was paid and and was sent a bill. I was then told it was sent to collections for auto coverage I no longer had. XX/XX/XXXX Amount {$580.00}
01/01/2022 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • TX
  • 751XX
Web
A collection account was placed on my credit in the amount of XXXX. However, after I inquired about validation of amount. The company was unable to provide validation of the amount. Additionally, they did change the amount to XXXX. These actions are suspicious in nature.
04/15/2021 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Attempted to collect wrong amount
  • PA
  • 19320
Web
THIS IS OUTRAGEOUS! I have disputed this account with you before, and thanks to your hard work and investigation, the inaccurate account was removed from my credit. Caine Weiner has since reinserted the item onto my credit. THIS IS A VIOLATION OF THE LAW! PLEASE HELP ME!
02/25/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • OH
  • 440XX
Web
This account was opened by someone other than me. I have had it gone under investigation and erased from my credit report with XXXX. I am asking you to look into this fraudulently opened account- erase it from my credit reports as it was not me whom opened this account.
04/22/2020 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • NC
  • 27540
Web
Caine and Weiner just reported a {$310.00} collection account on my credit report. Prior to the appearance of this collection account on my report, I did not receive a 30 days notice of my right to dispute. If I did, I would have contested this debt, as I do not owe it.
05/19/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • NJ
  • 07753
Web Servicemember
Car insurance companies are reporting accounts that are paid off. I have paid these in full. And I am still insured with the company. I would need to back the t=debt back before they would insure me again. Please remove this this is an error harming my credit severely.
06/11/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • IN
  • 46254
Web
I paid this account in a settlement I was told in exchange for the settlement the account will be removed from my credit report but it is still reporting I have tried to resolve this issue with the company directly and they refuse to talk to me by hanging up the phone.
03/19/2018 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • WI
  • 54751
Web
caine and weiner {$90.00} they say i owe them for car insurance when i didnt even have a car at the time and nver had insurance for over 2 yrs because i lost my licence. i dont know who was claiming to use my social security number but this is errant and not my debt.
06/21/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • TN
  • 374XX
Web
I do not own or know these accounts. I demand an investigation and removal of these collections accounts that does not belong to me. The Monthly Payment, Terms, Credit Limit, Past Due and Date of Last Payment are missing in this report. I demand this will be deleted.
08/13/2023 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NY
  • 11364
Web
No actions taking my company unknown debt XX/XX/2019 {$350.00} have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore
03/16/2019 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • FL
  • 34957
Web
This is a violation of the FCRA Section 609 ( a ) ( 1 ). This debt has been illegally reaged according to the original creditor 's date of first delinquency. I am attaching documentation with the DOFD and a copy of my report that shows that the debt has been reaged.
04/17/2022 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • PA
  • 19140
Web
Caine and Weiner placed alleged debt on my XXXX, XXXX and XXXX credit reports without modifying me. This is a violation of the Early Warning Clause which states that debt collectors are to notify debtors in writing before placing account on consumers credit report.
10/02/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • OH
  • 43230
Web
There is a collection account held with Caine and Weiner from XXXX XXXX XXXX XXXX for {$270.00} reporting on my credit reports that is inaccurate. This account was paid in full, prior to ever being sent to collections, and should be removed from my credit reports.
07/15/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • AL
  • 355XX
Web
My credit was hit with a insurance company XXXX in which I did not renew with them and went with another company. XXXX went up and I did not resign with them. I did not sign a new contract with them. I let this one go and signed up with another insurance company.
01/06/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30906
Web
CAINE & WEINER HAS BEEN SENDING ME COLLECTION NOTICES INTHE AMOUNT OF {$100.00}. THE COLLECTION HAS BEEN REPORTED AS PAST DUE BALANCE. I DO NOT KNOW THIS COMPANY. I NEVER DONE ANY BUSINESS WITH THIS COMPANY.. THIS COMPANY DOES NOT HAVE A CONTRACT WITH MY SIGNITURE
01/30/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • LA
  • 708XX
Web
I do not now nor have I ever had a contract with XXXX XXXX and these clowns are trying to make me pat money I do not owe! It was removed from my XXXX credit report but still remains on the other two. This is outrageous and a violation of my rights under the FCRA.
12/28/2020 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • PA
  • 178XX
Web
I have disputed this account multiple times with Caine Weiner and what they sent me in return was not at all what I asked for. They have violated the FDCPA and FCRA by sending me incomplete validation after I disputed the account. I DEMAND JUSTICE! PLEASE HELP ME!
02/14/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • DE
  • 19702
Web
Disputed information several times explaining I am a victim of identity theftand asked to remove this from file credit file. I am asking to validate debt by providing me with PROOF of original signed document I am demanding this Account BE DELETED IMMEDIATELY!!!!
11/11/2021 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • NY
  • 10469
Web
A collection was put on my account by Caine and Weiner. I never ever received any notices, or phone calls from them regarding this debt. I was never ever given the opportunity to dispute the debt, and this was put on my credit report without my rights to dispute.
05/04/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NV
  • 89103
Web Servicemember
I reported the fraudulent account it was removed from my XXXX Credit reports The fraudulent charges are still being reported by XXXX. Ive filled a report with XXXX and the collection agency. My score went back up but the collection account is still on my record.
03/25/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • TX
  • 75204
Web
I have debt collection from Caine & Weiner Account No. XXXX & original creditor is XXXX ( address id number XXXX that appear on my credit report. I have contact both lenders about this matter and seem to get nowhere about getting this matter cleared off my name.
06/30/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Communication tactics
  • Threatened to take legal action
  • TN
  • 37919
Web
Frequently called asking for the contact info for my " legal counsel ''. Have not responded to my multiple requests for detailed documentation that I owe this debt. Have continued to call and leave threatening and vulgar messages even when I requested they not.
09/01/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Old information reappears or never goes away
  • CA
  • 93722
Web
I paid my debt in full XX/XX/2022, I have contacted this company ( Caine and Weiner ) several times and no one picked up, or they told me to leave a voice message, I left a voice message and no phone call back, I also emailed them and no response on the email.
06/11/2020 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Attempted to collect wrong amount
  • MS
  • 39501
Web
i recently reviewed my credit report and seen it had a collection from caine and Weiner on there, so i sent them a verification letter on XX/XX/2020 concerning this item and alleged balance that i don't recall owing.i also have the letter attached that i sent.
10/22/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • SC
  • 295XX
Web
Im demanding that this company remove this negative item from my credit report, as it was paid in full. Im also requesting a full detailed itemized report of the process of reinvestigation if they insist on reporting inaccurate information on my credit report
02/18/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • TX
  • 751XX
Web
I had rental insurance with this company. I called and cancelled insurance because i bought a home. Upon reviewing my credit report, I came across information from this company claiming I owe monies for rental insurance for I place that I no longer lived in.
03/08/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MD
  • 20782
Web Servicemember
A collection account from CAINE & WEINER appeared on my credit report and do not have any knowledge of it nor do I have any written and signed contract with the mentioned company and have they have failed to present the contract which I dont have with them.
01/26/2021 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • CA
  • 90301
Web
When asked how was the amount owed, {$37000.00} calculated, they said they spent too much time on my file and if I don't respond today they will move to legal. XX/XX/2021 They offered my {$7700.00} settlement but I am not sure if original amount is correct.
08/26/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NC
  • 27616
Web
on XX/XX/2022 i spoke with XXXX on behalf of XXXX XXXX XXXX XXXX she refused to accept my passport card and ftc report to have fraudulent accounts removed and said she would only do so if i sent my social security card in to them which i said was personal.
06/15/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • LA
  • 70560
Web
I have been trying to find out how this Caine & Weiner debt collection agency got my information and alleges that I owe them a debt. I have tried disputing it with the three credit companies only to receive a response that the information is accurate. How?
01/22/2018 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MI
  • 48076
Web
Caine and weiner was contacted by me in XX/XX/XXXX and XX/XX/XXXX.I still have yet to get any responses from them. This debt is reporting inaccurately and they have continuously failed to contact me regarding where they are verifying this information from.
06/13/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 33143
Web
I recently got a copy of my credit report & I saw a company " Caine & Wiener '' stating I owe them {$5700.00} for XXXXXXXX XXXX XXXX XXXX. I've never rented a car from them. I contacted the police & they told me I may have been a victim of identity theft.
08/06/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 77008
Web
I disputed this as identity theft. Caine and Weiner have no rights to my privacy. Yet they, stated, meets FCRA requirements. They received my information without my permission. Where is the proof I signed over permission for them to access my information?
11/22/2023 Yes
  • Debt collection
  • Telecommunications debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • AL
  • 368XX
Web
I requested that Caine and Weiner validate an account with documentation that they are reporting on my credit reports. The company did not validate the account and the account remains on my credit reports. This goes against the Fair Credit Reporting Act.
09/09/2021 Yes
  • Debt collection
  • Medical debt
  • False statements or representation
  • Attempted to collect wrong amount
  • CA
  • 93551
Web
THIS ACCOUNT IS INVOLVED IN LITIGATION. I HAVE NOT BEEN SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE. ENGELHARDT v GRAVENS (mo) 281 SW 715,719. I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THERFORE EXISTS.
02/24/2018 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 92596
Web
I dont know why XXXX XXXX XXXX XXXX is stating that i owe them XXXX for the vehicle? I returned them this car years ago. It was never repoed. I could afford the car so i gave it back to the bank. I called them and had the vehicle picked up by there boss.
06/26/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • IA
  • 52803
Web
There are more inaccuracies than correct info. XXXX accounts are not even my name. My ex added me to multiple accounts and I 'm having a hard time getting rid of her info on my credit report. Also I 've had medical insurance since before the bill accrued
01/18/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NJ
  • 08104
Web
Per certified mail tracking, It's been 2-3 months. No information was given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On CopyXXXX XXXX, Attorney General, and FTC
08/18/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 77090
Web
all 3 credit bureaus reporting different account information about account. I have reached out to creditors and credit bureaus about getting the information 100 accurate because all 3 reports have different information so how would i know what is valid.
10/02/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • False statements or representation
  • Attempted to collect wrong amount
  • PA
  • 18974
Web
They never sent any info. the amout is completely wrong. Had credit berau verify to no advail. These people need to be more accurate and send proper info.. They need to remove from my credit. They should not just be able ro pit on someone credit report.
12/09/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Old information reappears or never goes away
  • FL
  • 32068
Web
Caine & Weiner keeps reporting a debt for Progressive car insurance for {$390.00} that I do not owe. The account was closed years ago. I have disputed this charge at least three times and it was removed. The debt collector just keeps adding it back on.
01/26/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • 30328
Web
Per certified mail tracking, It's been XXXX months. No information was given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On XXXX, XXXX, Attorney General, and FTC
01/25/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • OH
  • 43229
Web
Per certified mail tracking, It's been XXXX months. No information was given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General, and FTC
08/16/2016 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CO
  • 809XX
Web
I ordered a XXXX Storage Unit in XXXX 2015 ; I cancelled the XXXX unit prior to them delivering the unit. I cancelled well before their required cancellation time frame. They are now having a collection agency send me a bill for non-rendered services.
06/18/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • AL
  • 366XX
Web
XX/XX/2022 {$1800.00} the company is claiming i owe a hospital bill and i do not i told them i had a settlement with the attorney and they paid all the bill during a the insurance settlement so mits fraud and i told them to call the attorney office
03/24/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • 30084
Web
My identity was stolen and I need help getting this removed from my name and credit report. I've attempted to contact Caine & Weiner and haven't heard back from them yet. I need this resolve ASAP. This is starting to affect my life very negatively.
02/26/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MI
  • 48083
Web
The company that is attempting to collect from me is Caine & Weiner. After inputting their information into the Department of Licensing and Regulatory Affairs I was informed that the company is not licensed to collect debt in the state of Michigan.
01/17/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 958XX
Web
Continuous phone calls all day from a collection agency. When I answer they hang up. When I call the number back they say I owe money to XXXX insurance which I do not. They are incorrectly reporting on my credit report and it's causing a hardship.
07/18/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 77304
Web
This collection just popped up on my credit. First I was NEVER informed of it and I have an active policy with XXXX XXXX. I do NOT owe them any collection amount. This is inaccurate, false and needs to be removed off of my credit file please help
05/06/2019 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • OH
  • 44143
Web
To whom it may concern, upon the review of my credit report on XX/XX/XXXX I noticed the following organization Caine Weiner listed an entry on XX/XX/XXXX. I have never done business with this organization and would like to see this entry removed.
04/27/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33135
Web
After reviewing my credit report i have noted some discrepancy Caine & Weiner INC Account Number XXXX XXXX validation was requested and none was provided. I have not received any correspondence from them only harassing calls.This is not my debt
03/25/2023 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • NJ
  • 07047
Web
I logged into my XXXX credit 10 days ago just to check on my credit and noticed a collection amount of XXXX from Caine & Weiner. I had no prior contact and didnt get the opportunity to verify this debt only the report that appeared on my credit.
12/21/2017 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • NY
  • 11237
Web
I went bankrupt because I lost two jobs that sustained my family. and they discharged me from bankruptcy. I had informed the company that I could not continue with them, but they did not want to stop the process. {$150.00} for RA renewal 1 year
05/02/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Old information reappears or never goes away
  • RI
  • 02860
Web
I had disputed a collections I didnt not recognize. I contacted the collection company and they were unable to provide the original information. The collection was taken off my credit report. Today it reappeared and my score dropped XXXX points
11/20/2022 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 33713
Web
Have not validated debt under the FDCPA, and has violated the FDCPA rules regarding contacting me before validating the debt. Debt validation letters has been sent to furnisher and credit bureaus for debt validation and they have not responded.
12/07/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • CA
  • 94115
Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 604 " States rights to consumers privacy. '' Reporting agencies can not furnish an account WITHOUT my WRITTEN consent.
08/04/2023 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • SC
  • 29605
Web
Debt collector, CAINE & WEINER has violated my right to privacy and is also in violation of FDCPA 1006.30a and its rule by parking an unverified, alleged debt on my consumer reports without taking required actions. Please see the attachments.
03/10/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • FL
  • 346XX
Web Servicemember
Caine & Weiner XX/XX/2021 {$3100.00} I have called and asked this company to provide me proof that I opened this alleged account that was opened under a different company name while I was in bankruptcy and they refuse to provide me any proof.
09/12/2022 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • CA
  • 95820
Web
This company has been calling me making threats via robo calls. Company has threatened legal action. Debt does not belong to me. They claim to purchase debt from XXXX insurance. The vehicle does not belong to me. It belongs to another person.
04/02/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • NY
  • 10472
Web
Date : Amount : I have sent two disputes and they have been negligent in regards to responding specifically to what I have been asking for. They send general automated responses which are being negligent for what I am asking for specifically.
04/19/2021 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • GA
  • 30297
Web
I have sent Caine and Weiner the following.Pursuant to 15 USC 1692c ( c ) I am notifying you in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with me through any and all mediums.
10/29/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • WI
  • XXXXX
Web
I have contacted Caine & Weiner regarding this debt but I have been unsuccessful. They are unable to provide me with any information regarding where the original debt came from. The amount of the debt shows on my credit report is {$580.00}.
04/02/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NC
  • 28215
Web
collection as an " OPEN ACCOUNT '' which is not under FCRA compliance. This is inaccurate reporting and needs to be removed immediately. After you have finished with my request, send me a copy of my credit report reflecting these changes.
09/15/2021 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • MI
  • 48205
Web
There is negative information reporting on my credit report for collections that I have no knowledge of. I have not received written notification therefore Ive been denied my right to the timeframe allowed to request validity of said debt.
08/14/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Improper contact or sharing of info
  • Talked to a third party about my debt
  • OK
  • 73099
Web Servicemember
The Debt collector Caine and Weiner contacted an emergency contact to get in contact with me. I do not feel that this was professional. The original debtor should have gave them all of the pertinent information to try and solve this issue.
10/03/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • MN
  • 554XX
Web
On my credit report, XXXX, XXXX XXXX XXXX XXXX, account number XXXX XXXX XXXX, XXXX, XXXX XXXX. My account was charged off for {$12000.00}, but my credit report is stating the full amount {$20000.00}. I opened the account on XX/XX/2015.
04/26/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33135
Web
After reviewing my credit report i have noted some discrepancy on Account Number XXXX XXXX CAINE & WEINER COMPANY INC validation was requested and none was provided. I have not received any correspondence from them only harassing calls.
04/15/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • 30039
Web
XXXX. XXXX, XXXX ( XXXX XXXX XXXX XXXX ) Account status Open Type Derogatory Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original Creditor Name XXXX XXXX {$110.00} Closed No Info
05/23/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • NC
  • 28376
Web Servicemember
On my credit report today Caine and Webber posted a negative item they claim I owe. The name and social do not match. Further I settled with XXXX in court over this issue before as well as XXXX And both admitted this was not my account
07/20/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • XXXXX
Web
Caine & Weiner need to understand that I do not owe XXXX insurance. I called to stop the insurance, they mistakenly did not stop it. So they wanted to charge me a full premium for one month. I called and said they would arrange to fix.
04/09/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • OK
  • 740XX
Web
This is my second complaint as you all investigate in. 2019 abd I was told it was closed snd removed I have paid this account in full with Caine and Weiner fir 142.00 and it is still showing on my CBR. I need this removed for accuracy.
07/21/2020 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • MD
  • XXXXX
Web
The company called Caine and Weiney called me several times, and I do not have business with them. They use forceful tactics and try to create a business relationship with me. They are trying ti make me do business with them. I refuse.
02/26/2023 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • NJ
  • 080XX
Web
I never received any notice or notification by mail stating I owed a debt nor did I have the opportunity to dispute the debt that I do not owe. I was never contacted by this creditor either yet they put this claim on my credit report.
07/12/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • OK
  • 740XX
Web
I have asked Caine and Warner to validate their claim of an old insurance debt. They have not done so. Therefore I believe that this debt does not belong to me or is not valid. I am asking for it to be removed from all credit reports.
08/29/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • NJ
  • 080XX
Web
Caine and Weber reports on my credit report that I owe XXXX dollars whicjywas paid to XXXX XXXX. I have current insurance with XXXX and also a XXXX dollar XXXX policy. If I did owe that I wouldnt have insurance with them common sense.
11/20/2019 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30809
Web
I received the notification from XXXX that I have a debt of more than {$200.00} for a some kind of unpaid insurance. I don't owe that! I've never recieved neither a call nor a letter from any insurance company. There's a big mistake!
01/16/2019 Yes
  • Debt collection
  • Auto debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • UT
  • 84405
Web
This collection company stated I owe {$110.00} dollars which I know that don't owe. Called this company an asked to show proof that I owe this debt. This was reported XX/XX/2017. I request that this company show proof I owe this debt.
04/13/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was paid
  • MO
  • 631XX
Web
Caine & Weiner had deleted this from my account and here 's the proof and they must of sold it to a cash buyer and it came back 5 months later and they added a charge doesn't suppose to have a balance on it no way so please delete it
05/30/2021 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 33130
Web
I have written Caine and Weiner about a collection on my report asking them to verify this debt as mine. They have not sent back any proper paperwork showing this is mine. They sent a bill, which anyone can make up a bill and send.
05/07/2020 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • CA
  • 92882
Web
I have had this {$300.00} in collections on my credit report for over 4 years. I've attempted to contact the collections agency several times without any success. My last attempt was on XX/XX/20. I have yet to receive a response.
11/09/2018 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • IL
  • 60636
Web
XXXX XXXX failed to cancel my policy when asked. Out of nowhere this debt is listed on my credit without any written notification. How can XXXX XXXX XXXX report a collection on someone's credit when this is not a financed account?
04/12/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 77043
Web
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
02/19/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 33417
Web
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
02/02/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • OH
  • 43220
Web
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
07/18/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • 310XX
Web
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
07/14/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • OH
  • 43209
Web
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
10/17/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • SC
  • 295XX
Web Servicemember
I reported the following information to get these alleged debts removed from my credit report I requested validation debts and more information and all agencies did not provide and attached is the complaint to identity theft.org
04/12/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • MS
  • 39206
Web
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX Attorney General and FTC
09/09/2020 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • DC
  • 20020
Web
I am a federally protected consumer and I am requested validation of the alleged debt with Caine and Weiner. The document was received on XX/XX/2020 and I have not received a response from the company regarding the alleged debt.
07/06/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • GA
  • 30253
Web
DEBT COLLECTOR IS A THIRD PARTY TRYING TO COLLECT MONEY THAT WAS RESOLVED/PAID WITH A 1099A & PAYMENT LETTER WITH XXXX XXXX XX/XX/2022. I DO NOT HAVE A SIGN CONTRACT WITH THE DEBT COLLECTOR NOR XXXX AND THEY WERE PAID INN FULL.
05/04/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • NC
  • 27127
Web
Hello, I reviewed A copy of my credit report and it shows Caine Weiner reporting a balance of {$420.00} on all 3 credit report. This is a violation of the Fdcpa based on the charge of f/collection being reported with a balance.
12/23/2015 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Called outside of 8am-9pm
  • RI
  • 028XX
Web
XXXX called at XXXX XXXX saying only following- '' my Name is XXXX call me back as soon as possible at XXXX XXXX XXXX XXXX XXXX regarding personal business. No other information. I looked number up and says is a debt collector
01/18/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • AZ
  • 85040
Web Servicemember
Ive requested specific information to be provided : Original contract with signature, creditors information, payment history with itemized billing associated and proof of owner. It has been well over 30 days with no response.
06/16/2016 Yes
  • Debt collection
  • Auto
  • False statements or representation
  • Attempted to collect wrong amount
  • CA
  • 93010
Web
very confused about this remark, progressive XXXX states that I owe XXXX and not sure why as I pay any balanced owed if needed. this was a total blind sided. I need this taken off my record ASAP. please help me on this issue.
06/15/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • NJ
  • 08104
Web
I have attempted to resolve this account with the creditor directly because this isn't a balance that is owed. Creditor sold this to Caine & Weiner which is not a balance that is owed. The account was closed at XXXX balance.
06/15/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • NJ
  • 08104
Web
I have attempted to resolve this account with the creditor directly because this isn't a balance that is owed. Creditor sold this to XXXX XXXX XXXX which is not a balance that is owed. The account was closed at XXXX balance.
04/19/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • VA
  • 23601
Web
I was checking on credit karma and see where this company using my name with a dead collection that I dont know nothing about so can you please delete it for me and remove it from my credit thank you I really appreciate it
08/04/2020 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Impersonated attorney, law enforcement, or government official
  • CA
  • 90220
Web
This company has never sent an itemized invoice to collect a payment. I've reached out to the company a few times no one returns my calls. I have never taken out any loan or dealt with this company for a financial reason.
08/28/2018 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • FL
  • 34769
Web
this company first obtain my credit report with out my authorization and now put a collection on my report that affect me to get a mortgage loan in the one i working for so long to have and i do not recognize this company
11/12/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • KY
  • 40509
Web
Caine and Weiner are reporting a debt from Progressive Insurance to the credit bureaus.. I've NEVER had Progressive insurance. Remove this immediately or I'll seek damages bureaus you are responsible for what you report.
10/17/2022 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • MI
  • 48089
Web
Caine and Weiner has violated my Federally protected rights under the FDCPA. I never received a letter to dispute before furnishing this account. Cease communication from me from all mediums including my consumer report.
01/11/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30134
Web
After reviewing my latest credit report i noticed there is a company trying to collect a debt i have no knowledge of i have never signed a contract with them in person nor electronically nor any of there affiliates ever.
02/23/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • WI
  • 532XX
Web
XXXX XXXX XXXX was removed from my XXXX XXXX account for fraudulently reporting. This was included in my bankruptcy in 2013. This should be removed from XXXX AND XXXX as well. The file attached shows XXXX XXXX removed.
04/10/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • OH
  • 441XX
Web
The original creditor reported that I was married, which sky rocketed my insurance premium. They never sent any information so I can defend the dispute. As a result they placed a XXXX account in collections on my credit.
03/08/2023 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • TN
  • 38115
Web
On XX/XX/XXXX, I sent a letter to Caine Weiner asking them to validate the debt. As of XX/XX/XXXX Caine Weiner have fail to respond and they have also fail to update my consumer report that this debt have been disputed.
05/01/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 92011
Web
There is a collection account on my credit files that is fraudulent and currently reporting by Caine & Weiner. This account XXXXX {$80.00} is reporting on my report via XXXX XXXX. I have attached the FTC Identity Theft.
10/14/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 92570
Web
I never have an account with these collector/creditor. I tried to contact them several times and ask for proof of ownership but they are failed to send me necessary documentation to prove that I really own this account.
01/14/2019 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • SC
  • 295XX
Web
I was never contacted about this. I have received no verification of this. I can not believe that someone can damage my credit like this without talking to me first. I never spoke to anyone nor did I receive any letter.
11/09/2017 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NC
  • 283XX
Web
On XXXX/XXXX/XXXX I checked my report to see that this company has destroyed my credit report for a debt that I am not liable for. I hold " NO CONTRACT '' for the alleged debt that this company is attempting to collect.
12/03/2021 Yes
  • Debt collection
  • Auto debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • FL
  • 32607
Web
I checked my credit report for accuracy and noticed an account for CAINE & WEINER COMPANY in the amount of {$100.00} for XXXX. This account is inaccurate and never sent me validation, verification or notice to dispute.
02/22/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • FL
  • 33610
Web
This company is reporting inaccurate information on my credit report! This debt is being thru XXXX XXXX trust with monthly installments of XXXX per month. This information needs to be removed from all credit reporting
09/07/2017 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • TX
  • 75219
Web Servicemember
XXXX XXXX XXXX XXXX XXXX posted a {$310.00} debt to my credit report. I have disputed with collection company and they still posted to report. By law I have a right to dispute debt within 30 days of receiving letter.
05/10/2016 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • NY
  • 114XX
Web
This is the second time company put negative info on my credit report. This debt is not mine even the collection representative cold not validate this debt. This company cost my business loan rejected because of this.
02/22/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • FL
  • 33610
Web
This company is reporting inaccurate information on my credit report! This debt is being thru XXXX XXXX XXXX with monthly installments of XXXX per month. This information needs to be removed from all credit reporting
01/31/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NV
  • 89103
Web Servicemember
Identify was stolen I provided XXXX XXXX XXXX with the police report. XXXX XXXX XXXX verified that they received the report and would remove the charge off. The credit agencies are still showing the charge off.
09/20/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 95355
Web
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects.
07/06/2021 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • OH
  • 44118
Web
I am not liable for this debt with XXXX XXXX and I do not have a contract with CAINE WEINER plus they did not provide me with the original application like I asked. Account No : XXXX Amount Disputed : {$120.00}
02/22/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NY
  • 115XX
Web
# 1 - Creditor Name : XXXX XXXX - Amount : {$1100.00} - Date Opened : XX/XX/XXXX - Account Number : XXXX # 2 - Creditor Name : Caine & Weiner - Amount : {$380.00} - Date Opened : XX/XX/XXXX - Account Number : XXXX
02/18/2022 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • UT
  • 84020
Web
The company never sent notification to dispute debt and has been unable to verify debt. This is in violation of the Fair Credit Reporting Act and has caused substantial damage as a result of the illegal reporting.
06/18/2021 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 325XX
Web
I am not liable for this debt with XXXX XXXX and I do not have a contract with CAINE WEINER plus they did not provide me with the original application like I asked. Account No : XXXX Amount Disputed : {$1200.00}
08/22/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • PA
  • 19150
Web
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore and such debt, in fact therefore exists
08/03/2023 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • NY
  • 11364
Web
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
05/18/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NC
  • 278XX
Web
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Heavens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt nor therefore any such debt, in fact therefore exists
07/20/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • NJ
  • 07017
Web
Dates : XX/XX/2020 Amount : {$510.00} I disputed twice with credit bureaus and they are still reporting false report. I called for them to verified these items. There was no proof that these items where verified.
01/31/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NV
  • 89103
Web Servicemember
Identify was stolen I provided XXXX XXXX XXXX with the police report. XXXX XXXX XXXX verified that they received the report and would remove the charge off. The credit agencies are still showing the charge off.
03/01/2022 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NC
  • 27587
Web
Received notice from Caine & Weiner about an allegation of a debt owed. There was no sufficient evidence to support or verify the debt belongs to me. This company is in violation of the FCRA reporting standards.
02/19/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NJ
  • 080XX
Web
Caine & Weiner accessed my Consumer Credit Report without permissible purpose on XX/XX//21. Caine & Weiner did violate my privacy, and does not and has never had my permission to access my personal information.
07/26/2021 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • OH
  • 444XX
Web
I am not liable for this debt with XXXX and I do not have a contract with CAINE & WEINER plus they did not provide me with the original application like I asked. Account No : XXXX Amount Disputed : {$180.00}
01/12/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TX
  • 77033
Web
This company Caine & Weiner that I have no financial obligation to is reporting negative information on my credit report. I never heard of this company. I did not give no one permission to share my information.
02/18/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • FL
  • 330XX
Web
Caine & Weiner, amount {$300.00} This company removed this item off my credit report due to the fact that it didnt have the proper information to verify. Then put it back on my credit report, which is illegal.
11/13/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • VA
  • 22306
Web Servicemember
CAINE & WEINER XXXX INSURANCE XXXX XXXX, XXXX Original Balance {$410.00} Past Due Amount {$360.00} Account is not past due and the company stated they would not place in collections once an agreement was made.
09/09/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • MI
  • 48127
Web
I have not supplied proof under the doctrine of estoppel by silence XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt in the fact therefore exists
12/09/2022 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • MI
  • 48326
Web
CAINE AND WEINER has stolen my identity and is defaming my character by furnishing fraudulent information to consumer reporting agencies. I do not now, nor have I ever had any contract with CAINE AND WEINER.
09/08/2022 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 77381
Web
Pursuit to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4
05/19/2020 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • NV
  • 89106
Web
Have been called repeatedly by this company non stop for three months and have informed them to do any further communication by mail and to cease phone calls and now being threatened by mark on credit report
12/16/2021 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MA
  • 02119
Web
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
11/12/2021 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MA
  • 02119
Web
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
07/22/2021 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NY
  • 12601
Web
I am not liable for this debt with XXXX XXXX and I do not have a contract with CAINE WEINER plus they did not provide me with the original application like I asked. Account No : XXXX Amount Disputed : XXXX
07/12/2021 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MA
  • 02119
Web
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
06/27/2021 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MA
  • 02145
Web
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
05/28/2021 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MA
  • 02072
Web
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
05/04/2021 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • RI
  • 028XX
Web
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
04/08/2021 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • RI
  • 02860
Web
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
04/07/2021 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • GA
  • 30339
Web
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
04/01/2021 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MA
  • 02126
Web
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
03/31/2021 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 953XX
Web
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
03/09/2021 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • RI
  • 02860
Web
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
12/29/2020 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • RI
  • 028XX
Web
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
11/01/2020 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MA
  • 027XX
Web
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
10/03/2020 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MA
  • 027XX
Web
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
07/01/2020 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MA
  • 02302
Web
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
04/04/2020 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MA
  • 020XX
Web
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
02/28/2020 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MA
  • 018XX
Web
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
01/17/2020 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • RI
  • 02914
Web
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
05/22/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • UT
  • 84302
Web
We had XXXX auto insurance and cancelled our policy due to the insurance company not sending proof of insurance to our car loan company. We weren't impressed so we cancelled. We don't owe anything to them.
11/04/2023 Yes
  • Debt collection
  • Other debt
  • Threatened to contact someone or share information improperly
  • Talked to a third-party about your debt
  • NY
  • 11210
Web
Caine and weiner illegally bought my information from progressive insurance company without my consent violating my privacy laws and consistently contacting me for purposes of collecting a debt illegally
03/23/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • FL
  • 33327
Web
I rented a car from XXXXt and made the full payment. However my account was sent to collections. I believe this is fraud. As I have already paid for the services, the company is in violation of the FCRA.
04/06/2021 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • NY
  • 115XX
Web
Caine & Weiner collection agency reported as past due a payment debt on amounts not owed. I believe they purchased this debt from XXXX XXXX for stem cell storage services that we cancelled in the past.
05/03/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • PA
  • 19023
Web
THE COMPANY IS ATTEMPTING TO COLLECT DEBT I BELIEVE I DO NOT OWE. THEY'RE FURNISHING INFORMATION ON TO MY CONSUMER REPORT IDENTIFIED AS IDENTITY THEFT AND NOT RELATABLE TO ANY TRANSACTIONS MADE BY ME.
02/09/2022 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • MN
  • 554XX
Web
La forma cmo disputan esta incorrecta, quiero que me expliquen porqu reportan high balance tratando esta deuda como si fuera credito y nunca recib cartas de esto pues soy clienta de ellos hasta ahora.
05/15/2018 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • IN
  • 469XX
Web
Caine and Weiner has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
02/17/2018 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was paid
  • FL
  • 32246
Web
Caine and Weiner first sent a bill collection letter to me in XX/XX/XXXX, upon receiving it I sent a debt validation letter. As this bill was already paid in Full to the creditor. Please see attached.
04/20/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Right to dispute notice not received
  • FL
  • 32608
Web Servicemember
Spoke to company to have letter sent on terms to pay off debt, agreed to amount and to have debt removed from credit report. No letter ever recieved with terms. Have money to pay, but letter to do so.
09/30/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • NY
  • 142XX
Web
I did not open this account and incur this unpaid balance. Someone, other than myself, wrongfully used my personal information to obtain a line of credit/service. Ive been a victim of identity theft.
10/01/2021 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Used obscene, profane, or other abusive language
  • MA
  • 01915
Web
This debt collector called my family member and talked about my debt when they didnt have a power of attorney. They told them I had debt I was unaware of and I want it taken off my credit report now.
02/25/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • WI
  • 53222
Web
Contacted company XX/XX/2021 and paid balance company stated the item will be removed from my credit report within 2 weeks. I also disputed with XXXX XXXX and XXXX and the item has not been removed.
11/26/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 92407
Web
I have a random debt collection from some company called Caine and Weiner on behalf of some other company XXXX XXXX. I have never heard of either one of these companies and do not owe them anything.
05/03/2018 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • WA
  • 98902
Web
Caine & Weiner has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
11/22/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • CA
  • 95901
Web
This company works for progressive insurance at the time of cares act when everything was XXXX down they did not credit my bills as they stated they would because we all were on mandatory shut down
10/27/2023 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Attempted to collect wrong amount
  • PA
  • 15601
Web
It was XXXX XXXXXXXX XXXX I was to mail back the transponder and I never received a box to send it. Then they put me into collections and I never got a chance to fix it by sending it out to them.
03/09/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Communication tactics
  • Called after sent written cease of comm
  • UT
  • 84107
Web
This company is trying to collect a erroneous debt that we do not owe. They continue to call me and email me after I have told them more than once that I disputed the debt and to stop calling me.
07/25/2023 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • TX
  • 77047
Web
The company calls all day and very early in the morning and on Sundays. I have answered and asked the to stop calling and to contact me by mail for information and it is constantly harassing me.
04/24/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • TX
  • 77014
Web
XXXX XXXX billed me for a car I never owned. I tried to call and t was still billed. I have no idea what this is for I have not owned a car in years.Now it is reporting on my XXXX Credit Report.
12/28/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NY
  • 10033
Web
i am a victim of identity theft. the inf of these companies are wrong i dont reconise those accounts and the debt collector keep calling me everyday for an XXXX that I don't know it is not mine.
06/09/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 95355
Web
CAINE & WEINER - I contacted the company as I was told so. I have requested validation and they have not produced it. FDCPA 809b requires this to be deleted until they validate. Delete this now.
05/24/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • CA
  • 95746
Web
Caine & Weiner is mistakenly reporting on my credit. My obligation with the original creditor XXXX was fullfilled. There should be nothing in collections. Please delete. See attached as proof.
11/07/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • NJ
  • 07060
Web
I don't know this company and they keep contacting I didn't know anything about it. They try to collect XXXX $ i dont remembered doing any business with this company the name of CAINE & WEINER
06/06/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Was not notified of investigation status or results
  • LA
  • 70119
Web
I have requested debt validation proof more than 90 days ago. XXXX was the only CRA who deleted the unverified and inaccurate account. XXXX and XXXX continue to report the unverified debt.
09/14/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • WA
  • 991XX
Web
Prior Complaint of Company with your outlet, of whom took credit reporting off for 30 days then sent account to collections as new account. Further to damage my credit. In incorrect amount.
08/05/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CT
  • 067XX
Web
This debt is not owed. I canceled the policy and purchased another policy and this company is aware of this they attempted to call and harass me after I told them this using abusive language.
06/14/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • AZ
  • 85233
Web
original billing was with XXXX I told them to cancel long before billing I sent them notice they billed me anyway now the bill is in collection with a company out of XXXX not licensed in XXXX
06/05/2022 Yes
  • Debt collection
  • Auto debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • GA
  • 30044
Web
I XXXX XXXX date on XX/XX/22 am demanding Caine & Weiner to provide me a validation of debt pursuant to 15 U.S. code 1692g, and also, who gave you the rights to violate my rights to privacy?
02/12/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • SC
  • 29730
Web
I was trying to buy a house and i realize i have damage on my report and according to the 15 USC 1681 law there should not be any damages on my report and it is a defamation to my character
09/26/2023 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 33169
Web
This company is reporting a collection account that doesnt belong to me, i requested to have it removed and they have not removed it. I was told to submit a FTC report so it can be removed
08/29/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • NY
  • 10452
Web
i was victim of dentity theft. the information listed below, wich appears on my credit report, does not related to any transaction that I have made. this is the result of identity theft.
08/04/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • XXXXX
Web
Caine and wiener just appeared on the consumer credit report with out having a contract or even consent to furnish private source data information, clear violation of permissible purpose.
05/02/2020 Yes
  • Debt collection
  • Auto debt
  • False statements or representation
  • Attempted to collect wrong amount
  • MA
  • 02149
Web
XX/XX/20 CAINE & WEINER COMPANY INC reported collections on my XXXX and XXXX credit report. This is for auto insurance. Amount is false, also this maybe classified incorrectly as retail.
09/09/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Was not notified of investigation status or results
  • KS
  • 662XX
Web
Caine & Weiner # XXXX is in violation of my 30 day right to dispute. They added an item to my credit without any warning or proof of the item being mine. This should not be on my credit.
12/06/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NJ
  • 08873
Web
THE COMPANY NEVER RESPONDED TO THE PROOF OF DEBT REQUEST AND HAS YET TO REMOVE THE DEBT FROM MY CREDIT REPORT, RESULTING IN A VIOLATION OF MY RIGHTS UNDER THE FAIR CONSUMERS CREDIT ACT.
03/22/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MI
  • 49525
Web
sine and wiener placed an illegal collection on my credit reports that I do not owe. Ive never done any business with this company nor has the company provided any proof I owe the debt.
05/11/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • MI
  • 48111
Web
The investigation took longer than 30 days. I have attached the dispute letters I sent to XXXX, XXXX, and XXXX which date my First letter to XX/XX/23 and my second letter to XX/XX/23.
05/06/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • CA
  • 92243
Web
Debt was paid, however the collection agency reported otherwise. Collection agency is Caine and Weiner. {$12000.00} was paid to XXXX XXXX XXXX in XXXX Az, the creditor, on XX/XX/2022.
01/04/2020 Yes
  • Debt collection
  • Other debt
  • Threatened to contact someone or share information improperly
  • Talked to a third-party about your debt
  • FL
  • 326XX
Web
XXXX this was my ex husband debt I am not responsible for it and they were told this but they still continue to call my girls about it and tell them they are going to take me to jail.
06/24/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • FL
  • 33570
Web
I paid this collection company Caine and Weiner the amount agreed upon. Years later, the debt is still listed on my XXXX credit report. It has been removed from the other bureaus.
08/31/2023 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • 30017
Web
I AM NOT LIABLE FOR THIS DEBT WITH CAINE & WEINER OR XXXX, I DO NOT HAVE A CONTRACT WITH CAINE & WEINER OR XXXX, THEY DID NOT PROVIDE ME WITH THE ORIGINAL CONTRACT AS I REQUESTED.
03/11/2021 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 755XX
Web
Hello : Ive sent multiple letters to Caine Weiner requesting validation of this debt from early XXXX to XX/XX/XXXX. I have not received any information validating the debt at all.
03/17/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • FL
  • 32826
Web
XXXX XXXX XXXX. {$1000.00}. Open date XX/XX/2018. My credit has been severely affected by this and I have No knowledge of this collection account or No Contract with this company.
12/14/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 91786
Web
I am a victim of fraud and/ or identity theft, I am disputing the items on my credit report. I never authorized, used, or benefited from these accounts or transaction in any way.
04/28/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • IL
  • 60617
Web
Hello my name is XXXX XXXX XXXX and I am submitting this complaint without error or influence of any third agency. Please see my attached documentation as it contains my request.
10/19/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • MO
  • 631XX
Web
Caine & weiner has been deleted and they recently sold it to a debt buyerand a charge off does not supposed to have a balance and its showing one please delete this immediately..
05/23/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NC
  • 27330
Web
I checked my credit report and found a collections account from XXXX XXXX, stating that I openen an account with them on XX/XX/2021. And I have never opened an account with them.
03/31/2021 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MA
  • 02721
Web
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
02/19/2021 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MA
  • 027XX
Web
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
01/20/2021 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MA
  • 02119
Web
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
11/19/2020 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MA
  • 02301
Web
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
08/12/2020 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MA
  • 02301
Web
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
07/28/2020 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • RI
  • 02909
Web
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
06/03/2020 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MA
  • 02119
Web
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
05/30/2020 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • RI
  • 02909
Web
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
05/04/2020 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MA
  • 020XX
Web
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
03/15/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • DC
  • 20017
Web
I have requested a statement of the bill showing the amount that is in collections that I owe, but have yet to hear back from them and they consistently report to my credit file.
09/19/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • FL
  • 33467
Web
The Balance and information on this collection is incorrect! CAINE & WEINER is the debt collectors and its from XXXX. This was cancelled and i have no idea why it's on my credit
03/26/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • NJ
  • 07111
Web
Several Collections are being reported inaccurately. They are being reported as open with past dues balances. They are also reporting a unverifiable public records And a address
06/22/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • FL
  • 33025
Web
Hello to whom it may concern, I paid off two collection debts with Caine & Weiner..I believe about two months ago and it's still showing and reporting on my credit. Please Help
09/09/2022 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • GA
  • 30342
Web
This is XXXX XXXX & I am giving my consent to Caine & Weiner to communicate with me via email or phone on documents that were disclosed on the phone with Supervisor XXXX XXXX.
07/10/2023 Yes
  • Debt collection
  • Medical debt
  • False statements or representation
  • Attempted to collect wrong amount
  • NC
  • 28208
Web Servicemember
This company has reported false information on my credit report several times and refuses to remove the item. This is grounds for a lawsuit if they do not remove the account.
05/19/2023 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • PA
  • 180XX
Web
The company has not proven the accuracy of this debt and continuously gives fails statements and can not prove the debt. This debt needs to be deleted from my credit report.
11/07/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • PA
  • 19120
Web
They're trying to collect a debt I dont have a contract with them I dont agree to this debt. I never sign a contract with them. I disagree to there response to my complaint.
08/02/2017 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • MO
  • 63033
Web
On XXXX 2017, I received notification I have a debt in my credit report for {$210.00}. Never was aware of the debt - never received a phone call or documentation to dispute.
11/25/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30305
Web
Caine & Weiner placed a false debt in my credit report around XX/XX/2022 and again on XX/XX/2022 after receiving a certified letter on XX/XX/2022 that this was NOT my debt.
09/06/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NJ
  • 07107
Web
taking action against XXXX they sold my account to a third party which is Caine & Weiner which under the FTC law that third party debt collectors can not collect on a debt
03/22/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 77073
Web Servicemember
A lot of inquirers that are not approved by me, I worked for a company that had a data breach and was told information was compromised. Asking to have these items deleted.
03/25/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MD
  • 20877
Web
CAINE WEINER is claiming that I owe them {$280.00} with an Account Number : XXXX but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
02/10/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 77354
Web
CAINE WEINER is claiming that I owe them {$550.00} with an Account Number : XXXX but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
02/17/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NY
  • 13601
Web Servicemember
This account was closed, charged off, and sold. Due to them selling the account they can not list a balance and can not be reported on my report due to NO LEGAL CONTRACT.
10/29/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • PA
  • 191XX
Web
checked my credit report on XX/XX/XXXX found Caine & Weiner {$91.00} opened on XX/XX/XXXX. I do not have knowledge of this account and to please remove it from my report.
06/29/2021 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 79936
Web
I am not liable for this debt with CAINE & WEINER plus they did not provide me with the original application like I asked. Account No : XXXX Amount Disputed : {$280.00}
03/20/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • PA
  • 19120
Web
On XX/XX/2021 I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I havent received any investigation results.
04/18/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • NE
  • 681XX
Web
CONTINUING TO FURNISH INVALID, INACCURATE AND/OR OUTDATED INFORMATION ON MY CREDIT REPORTS. PROVIDING FALSE AND MISLEADING REPRESENTATION UNDER FDCPA AND FCRA GUIDELINES.
05/24/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • WI
  • 53210
Web
I don't remember that I had an account with these collectors/creditors. I've asked multiple times to send proof of ownership but they haven't complied to my request yet.
12/24/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MD
  • 20774
Web
I don't remember that I had an account with these collectors/creditors. I've asked multiple times to send proof of ownership but they haven't complied to my request yet.
06/06/2017 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • FL
  • 33634
Web
Someone used my credit card to charge for devices I did not. This was reported to the credit card company but the vendor has since referred this to a collection agency.
07/18/2022 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 336XX
Web
This company I do not OWE nor have had the option to request for validation. This is inaccurate and I am requesting validation be sent through this portal. Please help
01/26/2022 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • NJ
  • 070XX
Web
Ive sent several letters to Caine Weiner regarding a fraudulent item they are reporting on my XXXX XXXX consumer report with no response from them. Caine Weiner # XXXX
08/10/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 94533
Web
I don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.
07/01/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • NJ
  • 08332
Web
I Was told my debt was paid and I saw a debt remove that wasnt the debt I owe then they fix the error and left me with the debt I already paid instead of taking it off
03/25/2023 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • NY
  • 10467
Web
This company keeps trying to collect an alleged debt at outrageous times and hours but I know my rights an according 15 U.S. Code 1692g they are violating me severely
04/14/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • KY
  • 40014
Web
XXXX has called multiple times trying to collect a debt from someone who no longer has my phone #. I have had this # for almost 2 years now. I want the calls to stop.
01/09/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 77429
Web
i never had any such account with XXXX XXXX and when i was notified i called to let them pick up water items dropped at my door ... please close this account as fraud
09/13/2023 Yes
  • Debt collection
  • Medical debt
  • False statements or representation
  • Indicated you were committing crime by not paying debt
  • FL
  • 33764
Web
In the month of XX/XX/2022, 6 collections accounts were set up in my name ( XXXX XXXX ) estimating {$10000.00} in damages. Caine & Weiner is the agency causing this.
03/17/2021 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MA
  • 02301
Web
I have disputed this account and have reached out to the XXXX XXXX times but failed. This account is being reported inaccurately and incorrectly on my credit report.
10/18/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 301XX
Web
On my credit report there is a collection agency trying to collect a debt i have no knowledge of i have never signed a contract with them nor any of there affiliates
04/23/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • TX
  • 752XX
Web
I filed a dispute in regards to the inaccurate items in my credit report. It has been well over thirty ( 30 ) days and I haven't received any investigation results.
12/05/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 32114
Web
I am not liable for this debt with the debt collector, I do not have a contract with that company. They did not provide me with the original contract as requested.
01/22/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NJ
  • 08817
Web
I have sent documents and Caine & Weiner Company incXXXX is not responding to me. This is a debt that is alleged and ive been trying to get more information on it.
04/20/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • NY
  • 108XX
Web
I had a collections account opened under my name for XXXX car insurance that I never had. Also there was previous debt in collections with XXXX and XXXX XXXX XXXX.
03/15/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • IL
  • 60615
Web
I want you to verify this debt as i don't have any accounts with you? if proven unverifiable please remove this account from my credit report as soon as possible?
12/15/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • FL
  • 32259
Web
I have filed disputes in regards to the incorrect items on my credit report. It has been over 15 days and I haven't received any results to my validation letter.
12/05/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • IL
  • 60506
Web
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have yet to receive any investigation results.
08/03/2020 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • WI
  • 53215
Web
I do not know who is Caine & Weiner collecter are. I never did any business with these people what so ever.They stated on XXXX XXXX i owe the {$190.00} dollars.
03/31/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • AL
  • 367XX
Web
The credit XXXX are reporting my personal information wrong ( name & addresses ), which is causing me to have a negative credit score. This is not my account.
11/18/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • CO
  • 80247
Web
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.
01/13/2023 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • KY
  • 424XX
Web Servicemember
My credit report had now been severely damaged due to false claims of money owed to a wireless company and a utility company being added to my credit report.
03/07/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • 30034
Web
I got a copy of my credit report and discovered that this company had put a collection on my credit report. I sent them a letter but they have not responded.
05/17/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • NV
  • 89129
Web Servicemember
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and i haven't received any investigation results.
03/18/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • OH
  • 436XX
Web
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
03/18/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • OH
  • 43607
Web
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
03/15/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • OH
  • 43609
Web
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
03/14/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • OH
  • 43615
Web
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
03/13/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • OH
  • 436XX
Web
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
01/08/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • WI
  • 53218
Web
I have filed a dispute in regards to the incorrect items on my credit report it has been well over 30 days and I haven't received any investigation results.
04/05/2015 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CA
  • 91770
Web
I do not owe this company XXXX XXXX anything and the collection company keeps sending me request for $ without providing me proof of my transactions or else
06/07/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • AR
  • 721XX
Web
This company has an account reporting negatively on my credit report. There is no proof of an original document or signature between Caine & Weiner and I.
12/25/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • LA
  • 70809
Web
I have filed a dispute in regards to incorrect items on my credit report. it has been well over 30 days and I haven't received any investigation results.
02/13/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Was not notified of investigation status or results
  • NJ
  • 08105
Web
I Have Filed A Dispute In Regards To The Incorrect Item On My Credit Report, It Has Been Over 30 Days And I Haven't Received Any Investigation Results.
03/05/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • GA
  • 30349
Web
Caine & Weiner is on my credit report for XXXX XXXX and XXXX I did a XXXX XXXX this was on their this should be removed right away off of my account.
06/02/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • NY
  • 11706
Web
I filled a dispute regarding the incorrect items on my credit report, it has been well over 30 days and I have not received any investigation results.
10/14/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NY
  • 10458
Web
I DISPUTED SEVERAL ACCOUNTS ON MY CREDIT REPORT THAT WAS OPEN FRAUDENTLY WITH THE 3 CREDIT BUREAUS XXXX XXXX AND XXXX. I HAVE ALSO FILED AN FTC REPORT
04/02/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • SC
  • 29445
Web
This is not my collection I called they couldnt verify the account I gave all my info. I need this off my credit report because this isnt my account!
08/07/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30213
Web
Caine & weiner company is trying to collect a debt that i have no knowledge of i have never signed any contract with them nor any of there affiliates
05/04/2023 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Notification didn't disclose it was an attempt to collect a debt
  • CA
  • 92220
Web
XXXX i was financially struggling shortly after XXXX hit and this company did not notify me nor were flexible with working with my financial crisis.
10/31/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Problem with a company's investigation into an existing problem
  • Investigation took more than 30 days
  • GA
  • 30314
Web
CAINE & WEINER HAS VIOLATED 15 USC 1681 A1AI BY NOT RESPONDING IN 30 DAYS TO MY DEBT VALIDATION LETTER THEY RECEIVED ON XX/XX/2023 TRACKING # XXXX.
11/21/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • PA
  • 19082
Web
I REVIEWED MY CREDIT REPORT AND FOUND ERRORS. I SENT IN A WRITTEN DISPUTE CERTIFIED MAIL AND I HAVE YET TO SEE ANY RESPONSE FROM THE CREDIT AGENCY.
02/03/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MI
  • 48642
Web
I have asked for verification of debt and it has not been provided. Making sure this is not represented to my credit profile. See attached letter.
01/07/2023 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • PA
  • 19154
Web
XXXX and XXXX placed a collection on my credit report in the amount of {$190.00}. I never received a written notice about this debt to dispute it.
05/21/2020 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • GA
  • 30309
Web
XX/XX/2020 XXXX XXXX Account XXXX Creditor : Caine & Weiner {$77.00} charge is paid in full - Confirmation # XXXX Caine & Weiner XXXX XXXX XXXX
03/11/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • FL
  • 33634
Web
This account has already been disputed with my bank and with the XXXX XXXX XXXX XXXX of the state of Florida, a favorable final result for me.
04/23/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 77354
Web
CAINE WEINER is claiming that I owe them {$550.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
04/02/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 76179
Web
XXXX XXXX XXXX is the collection company reporting it and they would not resolve the matter, they just got aggressive and threatened lawsuit.
12/08/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • IL
  • 60628
Web
Its a lot inquiries on my credit report that shouldnt be on there also from a apartment complex that I didnt live in, these are not my bills
08/17/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NJ
  • 07501
Web
account is inaccurately. the collection account is reporting as open according to tje FCRA i have the right to to an accurate credit report.
03/12/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • TX
  • 75062
Web
XXXX XXXX has sent a collection to the credit Bureaus. I cancelled my policy on XX/XX/XXXX and started a new policy with XXXX on XX/XX/XXXX.
01/22/2020 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • NE
  • 681XX
Web
I switched insurance companies at the end 2018 ( XX/XX/XXXX ). They must have sold the debt to a third party and asked for incorrect amount
08/12/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was paid
  • IL
  • 60060
Web
I have paid back what was owed to my bank everything that was charged in the XXXX was charged back on my credit card which i paid already
07/15/2021 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • TX
  • 75087
Web Servicemember
Caine & Weinber put this collection on my account and I had no knowledge that there was a balance. This Should not be on my credit report.
12/20/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • TX
  • 78244
Web
I have filed a dispute in regards to incorrect information on my credit report. It has been over 30 days and I haven't received a response
11/22/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • CA
  • 92545
Web
This account was paid in full I still have a current active policy with XXXX XXXX. This company is trying to collect on monies not owed.
06/30/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • CT
  • 06106
Web
15 USC 1681 Section 604 " States rights to consumers privacy '' Reporting agencies can not furnish an account WITHOUT my WRITTEN consent!
06/07/2021 Yes
  • Debt collection
  • Auto debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • VA
  • 234XX
Web
So I have this Caine & Weiner collection for XXXX it reported XX/XX/2021. I know for a fact its not mine. Its hurting my credit as well.
12/10/2023 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Frequent or repeated calls
  • LA
  • 705XX
Web
These people continue to harass me over this XXXX XXXX yet they will not work with me on payments period they want all at once or none.
10/03/2019 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • SC
  • 290XX
Web Servicemember
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.
10/05/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • CA
  • 95678
Web
This debt was paid in full back in XXXX of 2017 - settled for {$250.00}. please remove from my credit as it is negatively impacting me.
10/09/2022 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • PA
  • 18102
Web
{$450.00} XX/XX/2020 Caine & Weiner are pursuing to collect a debt from me but are not licensed to do so in the state of Pennsylvania.
12/08/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • IL
  • 60628
Web
Its a lot inquiries on my credit report that shouldnt be on there also from a XXXX XXXX that I didnt live in, these are not my bills
11/19/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • TX
  • 78259
Web Servicemember
Credit report shows a balance for XXXX insurance. My XXXX insurance account auto policy XXXX was closed and paid in full XX/XX/2020.
11/21/2019 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • OK
  • 741XX
Web
This information was found on my credit report and I was never even notified of it. I want this to be removed it is for {$140.00}
02/03/2022 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Notification didn't disclose it was an attempt to collect a debt
  • FL
  • 33032
Web
This company is charing me an amount that it belongs to someone else with a similar name. I need this off my credit report asap.
04/29/2021 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Attempted to collect wrong amount
  • FL
  • 33634
Web
They are reporting an account that I do not recognize. The Caine and Weiner # XXXX {$800.00} and XXXX XXXXXXXX # XXXX {$1400.00}
09/10/2020 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • FL
  • 33351
Web
I recently reviewed my credit report collection agency saying I owe them debt when I dont they are also hurting my credit score.
06/27/2019 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • IA
  • 504XX
Web
Called repeatedly at all hours of night and day. When I try to call back it is nothing on the other end but a loud beeping nose.
10/17/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 77063
Web
inaccurate information put on my credit report i have sent over the police report that this is not my violation of hippa and cra
05/12/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • IL
  • 604XX
Web Servicemember
I never had an account with XXXX XXXX XXXX. I also dont even know where the original debtor originated from. This is fraudulent
01/26/2023 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • NC
  • 28304
Web
My account went into collections. The debt collector is not allow to collect debt in the state of NC. I read that it is illegal
01/16/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • AZ
  • 85018
Web
This Collection was opened on XX/XX/2022 {$120.00} owed Collection company name is Caine and weiner out of XXXX XXXX California
04/09/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 95210
Web
This is a collections account on my credit report that does not belong to me : Caine Weiner Account # XXXX Amount : {$170.00}
06/09/2018 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • FL
  • XXXXX
Web
I did not receive anything from this company about any debt owed but they are showing on my credit report without any notice.
12/06/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 32218
Web
This company is trying to say I had car insurance with their company but I never did and I submitted them proof that I didnt
12/16/2020 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • WI
  • 53216
Web
I have written the company several times to verify the Debt. I don't know why this company is reporting to my Credit bureau.
08/17/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • TX
  • XXXXX
Web
Violation of permissible purpose, no authorization was every given for private source data to be shared with a third party.
01/27/2023 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Collected or attempted to collect exempt funds
  • OH
  • 45231
Web
unknown debt placed on my credit report XX/XX/19 damaging my credit & receiving harassing calls. please remove unknown debt
08/24/2022 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NV
  • 89123
Web
Requesting original contract, creditor information, payment history and proof of ownership for the debt amount of {$810.00}
02/23/2016 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • IN
  • 471XX
Web
I would like this collection to be removed from my XXXX credit report was reported as collection debt without my knowledge.
03/05/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NY
  • XXXXX
Web
I never gave any written consent to any reporting agencys to report anything NEGATIVE on MY behalf on MY consumers report.
09/26/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NC
  • 28306
Web
Caine Weiner is claiming I owe them {$190.00} I have no contract with this company and I'm not sure why its on my reports.
05/02/2023 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 33319
Web
the following companies failed to respond to my debt validation letter. I have no knowledge of the following collections
10/24/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • MA
  • 02021
Web
My identity was stolen and Ive tried to send XXXX police report XXXX XXXX this the information has still remained there
07/14/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • NY
  • 146XX
Web
I rented a storage and paid in full for the service. they sent me to collections when this was paid at time of service
08/23/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 95307
Web
There is a collections amount of {$250.00} from XXXX that does not belong to me. The account number as shown is XXXX.
05/29/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 77047
Web
I have reached out to the company in regards to this matter, and it still haven't been resolved. This is not my debt.
05/26/2021 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • TX
  • 77080
Web
enterprise has opened an account on my credit of {$490.00}. I am unaware of this charge and I would like it disputed.
02/15/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NJ
  • 08021
Web
This company has unverifiable and inaccurate information on my credit report that has significantly ruined my score!
10/29/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Old information reappears or never goes away
  • SC
  • 29169
Web
The company say I owe {$650.00} and I dont have received threathen phone calls and mail to pay something I dont owe.
06/16/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 31907
Web Servicemember
I contacted company XX/XX/20 and advised the debt was not mine. The car belonged to someone else that used my name.
09/29/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • CT
  • 067XX
Web
I canceled my policy with XXXX. They have acknowledged this but this company continues to try to purchase the debt.
03/15/2018 No
  • Debt collection
  • Other debt
  • False statements or representation
  • Indicated you were committing crime by not paying debt
  • OH
  • 430XX
Web Servicemember
Caine and weiner a collections company from the roque state of CA. failed to report that the debt was paid in full.
07/26/2017 Yes
  • Debt collection
  • Other debt
  • Threatened to contact someone or share information improperly
  • Contacted your employer
  • DE
  • 19709
Web
I forwarded an email requesting that such behavior cease. I am also going to send a letter making the same request.
07/28/2022 Yes
  • Debt collection
  • Other debt
  • Threatened to contact someone or share information improperly
  • Talked to a third-party about your debt
  • TX
  • 78148
Web
Talking to other people bout this and not me! Keep saling the loan and threaten me bout being sue and losing jobs!
04/20/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • MI
  • 48187
Web
The debts have been paid off to Caine and Wiener Company Inc Last XX/XX/2020 but still showing on my credit report
01/20/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NC
  • 283XX
Web
I am not liable for this debt with XXXX XXXX XXXX XXXX. I have ABSOLUTY NO contract with Cain and Weiner Company.
06/23/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • NC
  • 28212
Web
I have filed a dispute in regards to the incorrect items on my credit report. Information is inaccurate on report
05/11/2017 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • IL
  • 60435
Web
I have tried to dispute and contact this agency for the past two years but they will not comply with my dispute.
12/07/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • MN
  • 55408
Web
CAINE WAINER have been reporting an overdue payment for which I have no responsibility. I have NO payments due.
04/12/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Was not notified of investigation status or results
  • AZ
  • 85120
Web
items on my credit report were removed then added back on. Also debtor can not tell me what the debt is from.
08/10/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 94603
Web
CAINE & WEINER COMPANY PLACED A COLLECTION ON MY CREDIT REPORT FOR SOMETHING THAT I DON'T HAVE ANY KNOWLEDGE.
09/09/2021 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • FL
  • 33634
Web
This account I do not recognize is not valid and has already been disputed with another collection company.
05/08/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information is missing that should be on the report
  • NE
  • 681XX
Web
I've been asking for applications to show some kind of proof that I apply because I dont remember applying
12/27/2022 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • AL
  • 35405
Web
Willing to do a pay to delete negotiation, debt was sold to a debt collector within 30 days for {$280.00}
10/15/2017 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • PA
  • 19141
Web
I have no knowledge of this company! I do not owe them anything! I 've never signed a contract with them!
02/27/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 77449
Web
My name is XXXX XXXX and I am submitting this complaint without any influence any third party or agency.
07/07/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • MO
  • 641XX
Web
My name and information were used fraudulently with Caine & Weiner the account was opened on XX/XX/2018.
03/25/2021 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Attempted to collect wrong amount
  • MO
  • 631XX
Web
Caine weiner is a debt buyer thats trying to collect on a debt that was already removed from my credit
06/27/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NC
  • 28208
Web Servicemember
I explained to this company that the debt doesnt belong to me and they refuse to investigate properly
03/27/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • IL
  • 600XX
Web
I have attempted to dispute this account multiple times. I have never had a account with this company
03/18/2023 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • LA
  • 707XX
Web Servicemember
Debt from CAINE & WEINER was already paid and I had no knowledge or written notice from this company?
04/07/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • DE
  • 19713
Web
I payed the collection on my credit report from Caine and wiener, my confirmation number was XXXX.
06/08/2022 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 33179
Web
Caine & Weiner {$240.00} Ive only seen it appear on my credit report. No communication whatsoever
05/24/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • GA
  • 317XX
Web
These credit inquiries are unauthorized and need to be removed from my credit report immediately.
11/03/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • NJ
  • 08638
Web
they are claiming i received some items i never purchased and it got charged of and sent to them
07/13/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • OH
  • 45458
Web
An itemized bill does not imply that the debt is valid anyone can send a bill a claim ownership.
06/30/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 77063
Web
An itemized bill does not imply that the debt is valid anyone can send a bill a claim ownership.
06/30/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 77063
Web
An itemized bill does not imply that the debt is valid anyone can send a bill a claim ownership.
04/28/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • KY
  • 420XX
Web
I deny the debt even if the debt can be validated I dont acknowledge it or have written contract
05/04/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NV
  • XXXXX
Web
Company Reporting to my Credit as owing XXXX Dollars this is a result of someone using my name
11/07/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30046
Web
This can't be happening!! This company must remove the as they need to validate this account!
01/21/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • MI
  • 48340
Web
Account is included in Chaper XXXX bankruptcy case number XXXX in the XXXX XXXX of Michigan
09/02/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • FL
  • 33169
Web
Company is unable to provide any original documents in to confirm the debt is actually mine.
02/19/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • VA
  • 23666
Web
on file it says creditor can not locate individual, this is not my account I do not owe them
02/16/2022 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 32825
Web
I sent this company a certified letter for proof of verification and I didn't get a response
06/16/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • CA
  • 94590
Web
Hi Debt was already paid to a XXXX balance. Credit file does not reflect debt paid in full.
08/21/2017 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • IL
  • 60402
Web
I do n't know this issue did n't receive any statement on this collection from any company.
11/14/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • SC
  • 29732
Web
XXXX. I payed them literally over a year ago and they still have my account as delinquent.
11/21/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30102
Web
I am not behind on this company I current use this company and have no outstanding debt.
01/11/2016 Yes
  • Debt collection
  • Auto
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • PA
  • 19124
Web
I would like copy of contract with my authentic signature that begun this alleged debt.
06/11/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • MI
  • 48088
Web
I sent 609 letters to company requesting proof of debt and there has been no response.
07/07/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NY
  • 109XX
Web
Someone stole my identity and opened many accounts without my permission or authority.
12/18/2017 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 78741
Web
Collection agency placed a negative remark on my credit file that doesnt belong to me.
11/19/2019 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CT
  • XXXXX
Web
I have no knowledge of this debt. I was never associated with this debt on my report.
10/22/2023 Yes
  • Debt collection
  • Telecommunications debt
  • Communication tactics
  • Used obscene, profane, or other abusive language
  • PA
  • 19061
Web
Collecting agency keeps calling and harassing and using the filing with you language
03/23/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Improper use of your report
  • Report provided to employer without your written authorization
  • FL
  • 33189
Web
A company pulled my credit report without my consent or authorization. Hard inquiry!
07/31/2023 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • FL
  • 33404
Web
I have no idea what this debt is about and never receive any information from them.
10/20/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TX
  • 75006
Web Servicemember
I never signed with this company. They don't have my signature with their company.
11/01/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 331XX
Web
This is not my collection, it belongs to another person with same or similar name.
09/15/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • IN
  • 46202
Web
XX/XX/2021 {$230.00} I tried to dispute .I dont recognize the account or company
10/06/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • SC
  • 29650
Web
XXXX is attempting to collect a debt that is not owed. I do not have XX/XX/XXXX
02/06/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NV
  • 89103
Web Servicemember
On XX/XX/XXXX XXXX XXXX XXXX sent me a fraudulent bill for a car I never rented
11/19/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • MI
  • 48075
Web
I dont aquire this debt this was identity theft XXXX XXXX XXXX XXXX XXXX XXXX
06/01/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • SC
  • 29501
Web
I have already file a report with identitytheif.gov and will with the police
10/12/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 94043
Web
CAINE & WEINER - XXXX is a fraudulent account reporting on my credit report.
04/29/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • NY
  • 10472
Web
Date : XX/XX/2019 Amount : {$1000.00} Action Taken : I have sent 3 disputes.
04/29/2022 Yes
  • Debt collection
  • Auto debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • IA
  • 503XX
Web
Please see attached documents as it contains my full complaint and request.
04/05/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • False statements or representation
  • Attempted to collect wrong amount
  • MD
  • 20721
Web Servicemember
This item is a paid debt and should not be reported as a collection account
03/31/2017 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • RI
  • 02920
Web
I do not know nor have I ever heard of this debt collector. It is not mine.
10/15/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • CA
  • XXXXX
Web Servicemember
Received information concerning a debt.Unaware of debt never and contacted.
05/20/2023 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NJ
  • 08873
Web
Making a hard inquiries on my credit report for the payment I didn't own
06/19/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • NE
  • 681XX
Web
Problem with idenuty theft, fair credit reporting act n fakes reporting
12/04/2023 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NJ
  • 078XX
Web
The collection agency is in violation of state licensing requirements.
04/29/2023 Yes
  • Debt collection
  • I do not know
  • Threatened to contact someone or share information improperly
  • Contacted you after you asked them to stop
  • NC
  • 27834
Web
Continued to contact me by phone and email after I asked them not to.
11/16/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • HI
  • 96706
Web
Account is settled but still after many months still in credit report
08/15/2023 Yes
  • Debt collection
  • Medical debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • FL
  • 32311
Web
This company is attempted to collect a debt that's not owed to them.
11/30/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Personal information incorrect
  • OH
  • 441XX
Web
incorrect information reporting on my credit report. Please delete.
03/06/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • IL
  • 600XX
Web
please this accoun is need to remove for my credit report pleaseeee
12/05/2022 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • NJ
  • 07093
Web
Outstanding balance has been paid- please remove from Credit report
06/16/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • GA
  • 31907
Web Servicemember
Debt was paid in the amount XXXX. Please remove from credit report
05/16/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 31088
Web
There's a collection on my credit report that I do not recognize.
01/22/2021 Yes
  • Debt collection
  • Other debt
  • Threatened to contact someone or share information improperly
  • Contacted you after you asked them to stop
  • AR
  • 72761
Web
COLLECTOR KEPT CALLING MY CELL AND IS COLLECTIONS ON ILLEGAL DET
01/23/2018 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Notification didn't disclose it was an attempt to collect a debt
  • NY
  • 11746
Web
Opened XXXX-XXXX-2017 for the amount of {$360.00} was payed off
04/15/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 75090
Web
XXXX is reporting a collection debt that does not belong to me
08/17/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • TX
  • 77063
Web
Collection agency is reporting false information to my credit.
02/17/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NJ
  • 07055
Web
I get harassed daily, I am over the constant calls and emails.
10/10/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 781XX
Web
This debt is a 3rd party when i asked to verify it they cant
06/03/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 92154
Web
I do not owe CAINE & WEINER COMPANY INC, this is not my debt
04/19/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 77080
Web
Caine and Weiner added progressive to my credit of {$160.00}
08/31/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NJ
  • 07107
Web
There are closed accounts that appears to still be on there
03/17/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 334XX
Web
FTC VIOLATION CFRA VIOLATION SHOWING INACCURATE INFORMATION
12/09/2019 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 94124
Web
XXXX XXXX is on my credit report I dont owe them nothing
11/20/2019 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • OR
  • 972XX
Web
On XX/XX/2016 XXXX XXXX states that I owe them {$160.00}
03/21/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • IL
  • 600XX
Web
pleasse delete this for my account XXXX XXXX {$790.00}
01/30/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 33525
Web
XXXX has an account on my credit report thats not mine
02/01/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • XXXXX
Web
Dear agency XXXX a victim of ID theft Please help me
10/03/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • MI
  • 48235
Web
I would CFPB to look at my account dates are wrong.
06/01/2023 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Attempted to collect wrong amount
  • MN
  • XXXXX
Web
I have never conducted business with this company.
11/24/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • PA
  • 19130
Web
XXXX claims i owe a credit card in which i do not
06/30/2021 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Notification didn't disclose it was an attempt to collect a debt
  • MI
  • 48187
Web
XXXX receive notification of debt/debt collection
04/14/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • CA
  • 93420
Web Older American
Unauthorized credit inquiry from unknown company.
06/15/2022 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • UT
  • 84124
Web
On credit report dont know what the debt even is
05/19/2022 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NJ
  • 08080
Web
There has been no response even after 30 days.
01/29/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Improper contact or sharing of info
  • Talked to a third party about my debt
  • GA
  • 30906
Web
sharing my information illegally ( 3rd party )
03/31/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Improper contact or sharing of info
  • Talked to a third party about my debt
  • OH
  • 45371
Web
Sent an email to a co worker about my debt.
12/02/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • FL
  • 32809
Web
paid dedt in XX/XX/2022 multiple accounts
07/13/2021 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • SC
  • 29483
Web
fraud. collecting money, I donot owe ...
11/11/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30106
Web
Fraud & Improper use of my information
01/05/2019 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • NC
  • 28216
Web
This debt is for an incorrect amount.
07/09/2018 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • LA
  • 700XX
Web Servicemember
ACCOUNT LISTED DOES NOT BELONG TO ME
03/30/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NV
  • 89149
Web
THIS IS A RESULT OF IDENTITY THEFT.
02/11/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NC
  • 27701
Web
I am a victim of identity theft.
02/02/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NC
  • 27405
Web
I am an identity theft victim.
03/03/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • LA
  • 70607
Web
These are not my accounts :
03/09/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • PA
  • 19134
Web
Debt belongs to ex spouse.
03/29/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 302XX
Web
do not owe this company
07/10/2021 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Indicated you were committing crime by not paying debt
  • VA
  • 23669
Web
i dispute item 3 times
01/30/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • MD
  • 20774
Web
01/30/2024 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 33311
Web
01/29/2024 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33624
Web
01/29/2024 Yes
  • Debt collection
  • Auto debt
  • Communication tactics
  • Frequent or repeated calls
  • TX
  • 75098
Web
01/29/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • TX
  • 78251
Web
01/29/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Problem with a company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • IN
  • 46229
Web
01/28/2024 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • LA
  • 70816
Web
01/27/2024 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 919XX
Web
01/27/2024 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • 30606
Web
01/26/2024 Yes
  • Debt collection
  • Other debt
  • Threatened to contact someone or share information improperly
  • Contacted you after you asked them to stop
  • CA
  • 93312
Web Servicemember
01/26/2024 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Impersonated attorney, law enforcement, or government official
  • FL
  • 33430
Web
01/26/2024 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was paid
  • TX
  • 78254
Web
01/26/2024 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • OH
  • 43062
Web
01/26/2024 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 78747
Web
01/25/2024 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • SC
  • 29203
Web
01/25/2024 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30269
Web
01/25/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NY
  • 10468
Web
01/24/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • OH
  • 43209
Web
01/24/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • VA
  • 23224
Web
01/24/2024 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 33605
Web
01/24/2024 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • WA
  • 985XX
Web Servicemember
01/24/2024 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NY
  • 11201
Web
01/24/2024 Yes
  • Debt collection
  • I do not know
  • Threatened to contact someone or share information improperly
  • Talked to a third-party about your debt
  • PA
  • 18301
Referral
01/24/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TX
  • 775XX
Web
01/24/2024 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • OH
  • 45371
Web
01/23/2024 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • VA
  • 22801
Web
01/23/2024 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • LA
  • XXXXX
Web
01/22/2024 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NC
  • 28562
Web Servicemember
01/22/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • OH
  • 45840
Web
01/22/2024 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • 30906
Web
01/22/2024 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • TN
  • 38111
Web
01/22/2024 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 32811
Web
01/21/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • OH
  • 43219
Web
01/21/2024 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 78749
Web
01/20/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Problem with a company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • GA
  • 30021
Web
01/20/2024 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 78613
Web
01/20/2024 Yes
  • Debt collection
  • Auto debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • WI
  • 54016
Web
01/20/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • NJ
  • 07024
Web
01/20/2024 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • PA
  • 19132
Web
01/20/2024 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • NH
  • 03079
Web
01/20/2024 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 32256
Web
01/19/2024 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • DC
  • 20032
Web
01/19/2024 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Notification didn't disclose it was an attempt to collect a debt
  • IN
  • 46614
Web
01/19/2024 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • SC
  • 295XX
Web
01/18/2024 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • IL
  • 60653
Web
01/18/2024 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 314XX
Web
01/18/2024 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • IL
  • 60430
Web
01/18/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • LA
  • 70592
Web Servicemember
01/17/2024 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 77449
Web
01/17/2024 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MI
  • 48038
Web
01/17/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TX
  • 752XX
Web
01/17/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TX
  • 76031
Web
01/16/2024 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • MI
  • 48127
Web
01/16/2024 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 33458
Phone Servicemember
01/16/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30019
Web
01/16/2024 Yes
  • Debt collection
  • Auto debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TN
  • 37129
Web
01/16/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TX
  • 77099
Web
01/16/2024 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • IL
  • 60174
Web
01/15/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 77070
Web
01/15/2024 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30019
Web
01/14/2024 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Indicated you were committing crime by not paying debt
  • FL
  • 33401
Web
01/13/2024 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • CO
  • 80906
Web
01/12/2024 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 75082
Web
01/12/2024 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 77433
Web
01/12/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NY
  • 13204
Web
01/11/2024 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 33063
Web
01/11/2024 Yes
  • Debt collection
  • Auto debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • SC
  • 29445
Web
01/11/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • IN
  • 46229
Web
01/11/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • IN
  • 46229
Web
01/11/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • GA
  • 30345
Web
01/11/2024 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Seized or attempted to seize your property
  • FL
  • 33308
Web
01/11/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Personal information incorrect
  • FL
  • 33702
Web
01/11/2024 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • 30122
Web
01/11/2024 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 31050
Web
01/11/2024 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 75104
Web
01/11/2024 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • AZ
  • 85374
Web
01/11/2024 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Impersonated attorney, law enforcement, or government official
  • FL
  • 33311
Web
01/10/2024 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • SC
  • 29303
Web
01/10/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NY
  • 14607
Web
01/10/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • FL
  • 33034
Web
01/09/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Problem with a company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • TX
  • 78154
Web
01/09/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30008
Web
01/09/2024 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • PA
  • 19076
Web
01/07/2024 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 91356
Web
01/03/2024 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • XXXXX
Web
01/03/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • IN
  • 46410
Web
01/03/2024 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 77459
Web
01/01/2024 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • LA
  • 70119
Web
01/01/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • MN
  • 56303
Web
01/01/2024 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • FL
  • 33401
Web
12/29/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33311
Web
12/28/2023 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • CO
  • 80906
Web
12/28/2023 Yes
  • Debt collection
  • Auto debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • GA
  • 30309
Web
12/28/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • NJ
  • 08086
Web
12/28/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 75001
Web
12/28/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • IL
  • 60478
Web
12/27/2023 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • TX
  • 75033
Web
12/27/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • DE
  • 19810
Web
12/27/2023 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • PA
  • 19013
Web
12/27/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • AL
  • 36701
Web
12/27/2023 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • IN
  • 473XX
Web
12/27/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • TX
  • 77407
Web Servicemember
12/27/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 75067
Web
12/27/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • OH
  • 44864
Web
12/26/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • NV
  • 89084
Web
12/25/2023 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • CA
  • 94544
Web
12/23/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • KS
  • 671XX
Web
12/23/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • IN
  • 47904
Web
12/23/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MN
  • 564XX
Web
12/22/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30008
Web
12/22/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 32223
Web
12/21/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 92234
Web
12/21/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • IL
  • 60477
Web
12/21/2023 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • CA
  • 92234
Web
12/21/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • AZ
  • 85338
Web
12/21/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • MS
  • 39066
Web
12/21/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 33161
Web
12/21/2023 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 33063
Web
12/20/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • SC
  • 29440
Web
12/20/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • OH
  • 43420
Web
12/20/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 32258
Web
12/19/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • TN
  • 37122
Web
12/19/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NC
  • 28134
Web
12/18/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • PA
  • 19446
Web
12/18/2023 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NY
  • 13318
Web
12/18/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • MO
  • 657XX
Web
12/17/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • PA
  • 19149
Web
12/17/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • VA
  • 23451
Web Servicemember
12/17/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • FL
  • 33313
Web
12/17/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • LA
  • 70127
Web
12/17/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • MS
  • 38654
Web
12/16/2023 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • 30318
Web
12/15/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • CA
  • 92115
Web Servicemember
12/14/2023 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • MD
  • 21201
Web
12/13/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NJ
  • 07106
Web
12/12/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 33161
Web
12/12/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 32514
Web
12/12/2023 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 76119
Web
12/12/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NJ
  • 07111
Web
12/08/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • AR
  • 72113
Web
12/08/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • NC
  • 28212
Web
12/07/2023 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NC
  • 28601
Web
12/06/2023 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NY
  • 11434
Web
12/06/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • OH
  • 44113
Web
12/05/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • GA
  • 30326
Web
12/05/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • CO
  • 80019
Web
12/05/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 334XX
Web
12/04/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MS
  • 39501
Web
12/04/2023 Yes
  • Debt collection
  • Other debt
  • Electronic communications
  • Contacted before 8am or after 9pm
  • WI
  • 54724
Phone
12/01/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • MD
  • 20602
Web
12/01/2023 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • MD
  • 20879
Web
12/01/2023 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 90602
Web
11/30/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • MA
  • 01089
Web
11/29/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • SC
  • 29461
Web
11/29/2023 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 33063
Web
11/28/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 32218
Web
11/28/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • CO
  • 80014
Web
11/28/2023 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Used obscene, profane, or other abusive language
  • MO
  • 63122
Web
11/27/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 76571
Web
11/27/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 33143
Web
11/24/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • FL
  • 33647
Web
11/23/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 94580
Web
11/23/2023 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Indicated you were committing crime by not paying debt
  • OH
  • 43232
Web
11/21/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Problem with a company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • TX
  • 78154
Web
11/20/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • OH
  • 43227
Web
11/20/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • WI
  • 54724
Phone
11/20/2023 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • RI
  • 02860
Web
11/19/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • PA
  • 17015
Web
11/17/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 33993
Web
11/16/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 90230
Web
11/16/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 90230
Web
11/15/2023 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • GA
  • 30024
Web
11/14/2023 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • CA
  • 92801
Web
11/13/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • LA
  • 70001
Web
11/13/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • GA
  • 30064
Phone
11/12/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Old information reappears or never goes away
  • LA
  • 70360
Web
11/12/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Old information reappears or never goes away
  • LA
  • 70360
Web
11/12/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30274
Web
11/11/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • CA
  • 92553
Web
11/11/2023 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • TX
  • 77095
Web
11/10/2023 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33916
Web
11/09/2023 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MI
  • 48221
Web
11/08/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • LA
  • 70360
Web
11/08/2023 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • NC
  • 28278
Web
11/08/2023 Yes
  • Debt collection
  • Telecommunications debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • 30350
Web
11/07/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • MS
  • 39455
Web
11/06/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • FL
  • 33168
Web
11/06/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Old information reappears or never goes away
  • TX
  • 77494
Web
11/04/2023 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • GA
  • 30296
Web
11/04/2023 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NC
  • 27405
Web
11/03/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • NY
  • 13502
Web
11/03/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 92692
Phone Older American
11/03/2023 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NC
  • 28073
Web
11/02/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • PA
  • 19144
Web
11/02/2023 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • AZ
  • 85382
Web
11/01/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30019
Web
10/30/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • FL
  • 33916
Web
10/29/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 95835
Web
10/27/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • SC
  • 29472
Web
10/26/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • MA
  • 02149
Web
10/25/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • SC
  • 29229
Web
10/25/2023 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • VA
  • 23507
Web
10/25/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NY
  • 10040
Web
10/24/2023 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 94580
Web
10/24/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • XXXXX
Web
10/24/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • LA
  • 70737
Web
10/24/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • FL
  • 33160
Web
10/23/2023 Yes
  • Credit reporting or other personal consumer reports
  • Other personal consumer report
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 91344
Web
10/23/2023 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 91364
Web
10/22/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • UT
  • 843XX
Web
10/22/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33162
Web
10/22/2023 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NY
  • 14225
Web
10/21/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Problem with a company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • MS
  • 39520
Web
10/20/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • IN
  • 46312
Web
10/20/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • NV
  • 89703
Web Older American
10/20/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 94546
Web
10/20/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 75006
Web
10/20/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • OH
  • 44119
Web
10/20/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was paid
  • AZ
  • 85128
Web
10/20/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33097
Web
10/18/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30044
Web
10/16/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 33256
Web
10/14/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • MD
  • 20657
Web
10/14/2023 Yes
  • Debt or credit management
  • Debt settlement
  • Confusing or missing disclosures
  • TX
  • 77449
Web
10/14/2023 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • NJ
  • 07626
Web
10/13/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • PA
  • 19607
Web
10/13/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NJ
  • 08096
Web
10/13/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NY
  • 11205
Web
10/12/2023 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NJ
  • 07509
Postal mail
10/12/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • NJ
  • 08096
Web
10/12/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • WA
  • 98118
Web
10/12/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • MA
  • 01841
Web
10/12/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • CA
  • 90638
Web
10/11/2023 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • GA
  • 30345
Web
10/11/2023 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • NC
  • 27703
Web
10/10/2023 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 32773
Web
10/10/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • AL
  • 35802
Web
10/09/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NC
  • 28027
Web
10/09/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • OH
  • 45255
Web
10/09/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30064
Web
10/06/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • PA
  • 19145
Web
10/06/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Problem with a company's investigation into an existing problem
  • Investigation took more than 30 days
  • PA
  • 19144
Web
10/05/2023 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33916
Web
10/04/2023 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33023
Web
10/04/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • IL
  • 60827
Web
10/04/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • PA
  • 19104
Web
10/04/2023 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • TX
  • 77578
Web
10/03/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30046
Web
09/30/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NY
  • 14608
Web
09/30/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • VA
  • 23435
Web
09/29/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • IL
  • 60026
Web Servicemember
09/29/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • MS
  • 38655
Web
09/29/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • PA
  • 18102
Web
09/29/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was paid
  • GA
  • 31329
Web
09/29/2023 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 77423
Web
09/28/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • GA
  • 30064
Web
09/28/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33156
Web
09/27/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TX
  • 77086
Web
09/26/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 33068
Web
09/26/2023 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • GA
  • 30030
Phone
09/24/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 77054
Web
09/22/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30252
Web
09/22/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TN
  • 38125
Web
09/22/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • NY
  • 11205
Web
09/21/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • FL
  • 33023
Web