Complaints

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:03/13/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  You have msent 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, 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 **** Section 602 A. States I have a right to privacy. 15 U.S.C **** 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 **** 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 **** Section 604 A Section 2 it also states consumer reporting agency cannot furnish a account without my written instructions 15 U.S.C ****s-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

  Business Response

  Date: 03/22/2023

  Our office has responded multiple times to the consumer's complaint.  Our response was as follows: Our office received an account from the creditor ********************* with respect to this consumer in January 2020 for recovery of unpaid auto insurance premiums.   Initial correspondence was sent to the consumer at that time.  There is no record of any return mail.  Please note the balance due is not owed to Caine & Weiner.   We are collecting on behalf of the creditor, Progressive.  Progressive's records indicate the policy was canceled in November 2019.  Progressive indicates coverage was provided for a 2014 Mercury E350 on a policy ending in **** and that the final payment in September 2019 was insufficient to cover the premium balance due at the time of cancellation.  Validation has been forwarded to the consumer in the past.   The file is closed as 'Disputed' in our database.  The credit bureaus have been contacted to remove any derogatory remarks from the consumer's report.  We are unable to state how long it may take the bureaus to update their records. Although we have closed the file as disputed, Progressive reserves the right to pursue the balance any way they deem necessary.    We encourage the consumer to contact our office at ************ if additional assistance is needed.  At this point we show no negative tradelines reporting on the consumer's credit.  If he seems entries still appearing on his credit report, he should contact the credit reporting agencies directly.
  

• Initial Complaint

  Date:03/12/2023

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am not liable for this debt with ******************************* and have never received any documentation about this account. I found out about this account while checking my credit reports with all 3 credit bureaus. I have disputed this account and requesting for this account to be closed out. I am asking for this to be removed off all 3 of my credit reports. I am also requesting no phone calls made out to any of my numbers.

  Business Response

  Date: 03/22/2023

  The consumer states that she did not know about this debt until she checked her records.  Our records indicate that she has been notified numerous times.  Our office received an assigned account from the creditor, ********************** with respect to this consumer October 2020 for recovery of unpaid auto insurance premiums.  Initial correspondence was sent to the consumer at that time.  There is no record of any return mail.  Please note the balance due is not owed to Caine & Weiner.   Our office collects on behalf of the creditor, Progressive.    The Progressive policy was cancelled in August 2020.  Creditor records indicate coverage was provided for a 2015 ******* Sonata and a ********************************************************* **** and that the last payment made in July 2020 was insufficient to cover the remaining premium balance due at the time of cancellation.   Validation has been forwarded again to the address provided in the complaint.  Our office will gladly review any documentation provided by the consumer with respect to the policy, vehicle, payment or coverage specifics for this account that *** indicate the creditor's records are not accurate.  The consumer *** contact or office at ************ for additional assistance.

  Customer Answer

  Date: 03/22/2023

   
  Complaint: 19586318
  
  I am rejecting this response because:
  
  Sincerely,
  
  *****************************

  Business Response

  Date: 03/31/2023

  Our office provided the information from the creditor Progressive with regards to this file.  Progressive indicates that the balance is still due.  Our office closed the file as disputed while the claim is being investigated.  The associated credit bureaus were notified to remove any negative tradelines while the account is being investigated.  We show no negative tradelines being reported at this time.  However, once the investigation is completed, *********** will be notified to adjust the credit bureau reports accordingly.  We have not received information from the consumer supporting her claim that the charges are invalid.  The consumer may contact our office at ************ for additional assistance.

  Customer Answer

  Date: 03/31/2023

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  *****************************

• Initial Complaint

  Date:03/10/2023

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am not liable for this debt with PROGRESSIVE and I do not have a contract with CAINE & WEINER plus they did not provide me with the original application like I asked.account number: ******** amount disputed: $546.00

  Business Response

  Date: 03/21/2023

  Our office received an account from the creditor ********************* with respect to this consumer in December 2021 for recovery of unpaid auto insurance premiums.   Initial correspondence was sent to the consumer at that time.  There is no record of any return mail.  Please note the balance due is not owed to Caine & Weiner.   We are collecting on behalf of the creditor, Progressive.  Progressive's records indicate the policy was canceled in November 2021.  Progressive indicates coverage was provided for a 2006 Chevrolet Express G2500 and a **** GMC Sierra ***** on a policy ending in **** and that the final payment in September 2021 was insufficient to cover the premiuim balance due at the time of cancellation.  Validation has been forwarded to the consumer again for review.   The file is currently disputed in our records.  Our office will gladly review any documentation provided by the consumer with respect to the policy, vehicle, payment or coverage specifics for this account that *** indicate the creditor's records are not accurate.  We encourage the consumer to contact our office at ************ if additional assistance is needed.
  

• Initial Complaint

  Date:03/09/2023

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  CAINE & WEINER PO BOX ***** ******* OAKS, ** ***** I am not liable for this debt with CAINE & WEINER and do not have a contract with them or any other party. They do not provide me with the original application like I asked.

  Business Response

  Date: 03/22/2023

  Our office received an assigned account from the creditor, ********************** with respect to this consumer November 2022 for recovery of unpaid auto insurance premiums.  Initial correspondence was sent to the consumer at that time.  There is no record of any return mail.  Please note the balance due is not owed to Caine & Weiner.   Our office collects on behalf of the creditor, Progressive.  The contract was signed with Progressive.  The consumer should contact Progressive if a signed contract is needed.  The  Progressive policy was cancelled in October of 2022.  Creditor records indicate coverage was provided for a 2019 **** Mustang and a 2019 Audi A5 on a policy ending in ************************************** March 2022 was insufficient to cover the remaining premium balance due at the time of cancellation.   Validation has been forwarded again to the address provided in the complaint.  Our office will gladly review any documentation provided by the consumer with respect to the policy, vehicle, payment or coverage specifics for this account that *** indicate the creditor's records are not accurate.  The consumer *** contact or office at ************ for additional assistance.

• Initial Complaint

  Date:03/09/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Upon seeing my credit report, it pays my attention that the following accounts are inaccurate and fraudulent. I am a consumer by law. I am not happy about it what I saw. This hurt my credentials as a consumer. Here are the listed details of the account with discrepancies:Account Name CAINE WEINER Balance $182.00 Account Number *******

  Business Response

  Date: 03/15/2023

  Our office received an account from the creditor ********************* with respect to this consumer in September 2018 for recovery of unpaid auto insurance premiums.   Initial correspondence was sent to the consumer at that time.  There is no record of any return mail.  Please note the balance due is not owed to Caine & Weiner.   We are collecting on behalf of the creditor, Progressive.  Progressive's records indicate the policy was canceled in July 2018.  Progressive indicates coverage was provided for a 2017 Dodge Journey on a policy ending in **** and that the final payment in May 2018 was insufficient to cover the premium balance due at the time of cancellation.   The file is closed as 'Disputed' in our database.  The credit bureaus have been contacted to remove any derogatory remarks from the consumer's report.  We are unable to state how long it may take *********** to update their records. Although we have closed the file as disputed, Progressive reserves the right to pursue the balance any way they deem necessary.    We encourage the consumer to contact our office at ************ if additional assistance is needed.
  

• Initial Complaint

  Date:03/08/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  My concern has already been aired about the $262.00 balance in this unverified account (********). I made every effort to contact the credit bureaus to confirm the authenticity of their inquiry. I came across issues that neither credit rating agencies nor Caine Weiner (06 Progressive) were able to overcome. As a result, I've decided to request your assistance in eliminating this fraudulent and unconfirmed account.

  Business Response

  Date: 03/15/2023

  Our office received an assigned account from the creditor, ********************** with respect to this consumer August 2019 for recovery of unpaid auto insurance premiums.  Initial correspondence was sent to the consumer at that time.  There is no record of any return mail.  Please note the balance due is not owed to Caine & Weiner.   The Progressive policy was cancelled in July 2019.  Creditor records indicate coverage was provided for a 2013 ****** Rogue and a 2008 Pontiac G6 on a policy ending in **************************************** May 2019 was insufficient to cover the remaining premium balance due at the time of cancellation.   The account has been closed as 'Fraud' in our database.  The credit bureaus have been contacted to remove any derogatory remarks from the consumer's report.  We are unable to state how long it may take *********** to update their records. Although we have closed the file as fraud, Progressive reserves the right to pursue the balance any way they deem necessary.  The consumer may contact or office at ************ for additional assistance.

• Initial Complaint

  Date:03/07/2023

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I recieved debt collection notice from Caine & Weiner stating they were attempting to collect a debt on the behalf of progressive insurance this letter was dated 7.29.22 and the letter stated I had until ****.22 to respond to alleged debt. I responded online on 9.11.22 via email, in the response I filed a dispute requesting verfication and the documentation of debt. I asked once the debt as has validated and verified to send me the documentation. In that dispute I specifically stated, once information has been sent to me to give me 30 days to review for accuracy before I could render any payment. I got a email from ***************************** on **** stating my dispute has been filed and additional documentation will be sent to me once recieved. on 2.9.23 I recieved a a copy of the billing statement from *****************************. Without giving me any time to review the statement for accuracy to render payment, Caine & Weiner added this to my credit file on 2.16.23 as a outstanding collection and backdated the date of the collectin to 7.25.22. I asked for 30 days in my intial dispute that I would resolve once I got final documentation. This company took over 5 months to send me the informtion I disputed and imediately but on my credit report.

  Business Response

  Date: 03/15/2023

  Our office received an assigned account from the creditor, ********************** with respect to this consumer July 2022 for recovery of unpaid auto insurance premiums.  Initial correspondence was sent to the consumer at that time.  There is no record of any return mail.  Please note the balance due is not owed to Caine & Weiner.   The Progressive policy was cancelled in June 2022.  Creditor records indicate coverage was provided for a 2017 **** Expedition and a 2016 Chevrolet Sonic on a policy ending in ************************************** May 2022 was insufficient to cover the remaining premium balance due at the time of cancellation.   The account will be closed as 'Disputed' in our database.  The credit bureaus will be contacted to remove any derogatory remarks from the consumer's report.  We are unable to state how long it may take *********** to update their records. Although we will close the file as disputed, Progressive reserves the right to pursue the balance any way they deem necessary.  The consumer may contact or office at ************ for additional assistance.

  Customer Answer

  Date: 03/16/2023

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  *********************************

• Initial Complaint

  Date:03/07/2023

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  On 11/22/2022, this company claims that I opened an account with them, based on my current credit reports. I have no knowledge of Caine & Weiner, nor have I entered into any agreement with this company. This company defames my private information by providing egregious information indicating that I entered into a payment agreement with them, thereby owing their establishment money. The company has not been able to furnish a signed contract or documentation indicating that I owe Caine & Weiner. and, in doing so, violates segments of the Fair Credit Reporting Act. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621.Transunion and Equifax are also in violation of this code that dictates they must report accurate information. This is also being investigated as we speak by the ****

  Business Response

  Date: 03/15/2023

  Our office received an assigned account from the creditor, ********************** with respect to this consumer November 2022 for recovery of unpaid auto insurance premiums.  Initial correspondence was sent to the consumer at that time.  There is no record of any return mail.  Please note the balance due is not owed to Caine & Weiner.   Our office collects on behalf of the creditor, Progressive.    The contract was signed with Progressive.  The consumer should contact Progressive if a signed contract is needed.  The  Progressive policy was cancelled in January of 2021.  Creditor records indicate coverage was provided for a 2010 ****** Sentra on a policy ending in **** and that the last payment made in August 2022 was insufficient to cover the remaining premium balance due at the time of cancellation.   Validation ahs been forwarded again to the address provided in the complaint.  Our office will gladly review any documentation provided by the consumer with respect to the policy, vehicle, payment or coverage specifics for this account that *** indicate the creditor's records are not accurate.  The consumer *** contact or office at ************ for additional assistance.

  Customer Answer

  Date: 03/27/2023

   
  Complaint: 19549758
  
  I am rejecting this response because: I received a debt collection notice from Caine & Weiner stating they were attempting to collect a debt on the behalf of progressive insurance. this letter was dated 11.25.22 and the letter stated I had until 1.09.23 to respond to alleged debt. I responded online on 12.10.22 via email, in the response I filed a dispute requesting verification and the documentation of debt. I asked once the debt as has validated and verified to send me the documentation. In that dispute I specifically stated, once information has been sent to me to give me 30 days to review for accuracy before I could render any payment. I got an email confirming my dispute has been filed, and additional documentation will be sent to me once received. I have yet to receive the billing statement from Caine & Weiner, or any documentation allowing me to investigate my dispute and it is now March 2023. However I have received a derogatory **** on both my Transunion and Equifax reports. Not only did this company fail to provide me with proof by validating the debt owed Without giving me any time to review the statement for accuracy to render payment, Caine & Weiner added this to my credit file on 2.16.23 as a outstanding collection and backdated the date of the collection to 11.22.22. I asked for 30 days in my initial dispute and that I would resolve once I got the final documentation. This company has refused to send ME directly the information I have requested, and is currently reporting on my credit report that this debt has been owed since 11.22.22. I disputed the debt immediately but it's still on my credit report.
  
  Sincerely,
  
  ***************************

  Business Response

  Date: 03/31/2023

  Our office is eager to assist the consumer with this issue.  The debtor states that she communicated with our office via email requesting validation of the debt.  Our office is unable to substantiate the consumer's compliant.  The account shows no proof of the consumer emailing communication to our office.  We calls the consumer numerous times but there is no proof that consumer attempted to contact our office prior to the delinquent balance being reported to the credit bureaus.  If the consumer can provide copies of the emails we will review the emails.  The file is being researched again but the email would expedite the research. 

  Customer Answer

  Date: 04/03/2023

   
  Complaint: 19549758
  
  I am rejecting this response because: ************ has claimed that they have called me multiple times. Please indicate the contact information you have on file.
  
  Sincerely,
  
  ***************************

• Initial Complaint

  Date:03/05/2023

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  l am not liable for this debt with CAINE & WEINER and do not have a contract with PROGRESSIVE. They did not provide me with the original application like I asked.

  Business Response

  Date: 03/09/2023

  Our office received an assigned account from the creditor, ********************** with respect to this consumer April 2022 for recovery of unpaid auto insurance premiums.  Initial correspondence was sent to the consumer at that time.  There is no record of any return mail.  Please note the balance due is not owed to Caine & Weiner.   The Progressive policy was cancelled in February 2022.  Creditor records indicate coverage was provided for a 2012 **** Focus on a policy ending in **** and that the last payment made in January 2022 was insufficient to cover the remaining premium balance due at the time of cancellation.   The account will be closed ad 'Disputed' in our database.  The credit bureaus will be contacted to remove any derogatory remarks from the consumer's report.  We are unable to state how long it may take *********** to update their records. Although we will close the file as disputed, Progressive reserves the right to pursue the balance any way they deem necessary.  The consumer may contact or office at ************ for additional assistance.

• Initial Complaint

  Date:03/03/2023

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  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 a legal form with CAINE & WEINER to attempt to collect a debt from me. 15 U.S.C **** 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 debt15 U.S.C **** 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 **** Section 604 A Section 2 it also states consumer reporting agency cannot furnish a account without my written instructions 15 U.S.C ****c (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. Please cease and desist all calls and contact with me, immediately! I DEMAND YOU STOP CONTACTING ME AND TAKE ALL DEROGATORY MARKS OFF ALL 3 CREDIT BUREAUS IMMEDIATELY!

  Business Response

  Date: 03/09/2023

  Our office received an assigned account from the creditor, ********************** with respect to this consumer January 2020 for recovery of unpaid auto insurance premiums.  Initial correspondence was sent to the consumer at that time.   Please note the balance due is not owed to Caine & Weiner, as stated by the consumer, it is owed to our creditor Progressive.   The consumer stated in his complaint that he owes the creditor, Progressive.  We are collecting on behalf of Progressive.  policy was cancelled in July 2021.  Creditor records indicate coverage was provided for a 2014 Mercury E350 on a policy ending in **** and that the last payment made in September 2019 was insufficient to cover the remaining premium balance due at the time of cancellation.   Progressive still indicates that the balance is due.   The account has been flagged as 'Cease & Desist', per the consumer's request.  With a cease and desist in place we are uanble to contact the consumer either verbally or via written communication.  Please note, a cease and desist does not automatically remove an entry from the respective credit bureaus.  The account is currently in a 'Cease and Desist' status.  Prior to flagging the account as 'Cease and Desist' validation was forwarded to the consumer for review.  Our office will gladly review any documentation provided by the consumer with respect to the policy, vehicle, payment or coverage specifics for this account that *** indicate the creditor's records are not accurate.  The consumer *** contact or office at ************ for additional assistance.

  Customer Answer

  Date: 03/09/2023

   
  Complaint: 19537823
  
  I am rejecting this response because:
  

  As I stated in my previous complaint you have Violated civil, consumer rights laws. I am not liable for this debt with PROGESSIVE, and  I DO NOT HAVE A CONTRACT WITH CAINE WEINER  They did not provide me with the orginial application like I asked MULTIPLE TIMES

  15 U.S.C **** Section 602 A. States I have a right to privacy. 15 U.S.C **************************************************************************************** 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 **** Section 604 A Section 2 it also states consumer reporting agency cannot furnish a account without my written instructions 15 U.S.C ****c (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 ****s-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. I demand this account to be removed from my credit report all 3 bureaus. Immediately! If you dont not cease and desist all contact with me and remove these negative remarks from my credit report I will have to take IMMEDIATE LEGAL ACTION. DELETE THESE ACCOUNTS IMMEDIATELY AND CEASE AND DESIST ALL FORMS OF CONTACT WITH ME! 

  
  Sincerely,
  
  *************************

  Business Response

  Date: 03/15/2023

  Our office received an account from the creditor ********************* with respect to this consumer in January 2020 for recovery of unpaid auto insurance premiums.   Initial correspondence was sent to the consumer at that time.  There is no record of any return mail.  Please note the balance due is not owed to Caine & Weiner.   We are collecting on behalf of the creditor, Progressive.  Progressive's records indicate the policy was canceled in November 2019.  Progressive indicates coverage was provided for a 2014 Mercury E350 on a policy ending in **** and that the final payment in September 2019 was insufficient to cover the premium balance due at the time of cancellation.  Validation has been forwarded to the consumer in the past.   The file is closed as 'Disputed' in our database.  The credit bureaus have been contacted to remove any derogatory remarks from the consumer's report.  We are unable to state how long it may take *********** to update their records. Although we have closed the file as disputed, Progressive reserves the right to pursue the balance any way they deem necessary.  We encourage the consumer to contact our office at ************ if additional assistance is needed.