Consumer complaint received 2019-05-02
Company: MARINER FINANCE, LLC
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX I received a notification that my credit score went down by two points. Upon my investigation I noticed a reason for the decline in score was because a balance on one of my installment loans increased by XXXX dollars. I proceeded to contact the finance company to inquire what was the reason for the increase. The finance company had no knowledge of a XXXX dollar increase and stated the balance the credit bureau was reporting was not accurate. 
I filed a dispute with XXXX XXXX credit bureau. The reason for dispute was in accurate balance. I gave a brief description as to why I was disputing the balance. 
On XX/XX/XXXX I received another notification stating that this dispute had been satisfied after reviewing the results I noticed that my credit score was now lowered by three points. 
When I seen what was the factor for lowering my credit score it was because they deleted and removed the disputed account from my file. I am immediately contacted XXXX XXXX and spoke to a customer service representative by the name of XXXX. 
XXXX informed me that the report was removed at the request of the creditor. 
I then spoke to a supervisor by the name of XXXX from XXXX XXXX who stated that they removed the account from my file because it was being disputed. I then asked him to please inform me where on the XXXX XXXX website is there a legal disclaimer stating that they have the authority to delete or remove a active account from a consumer file. He stated there is no such disclaimer and they removed it because I disputed it. I proceeded to inform him that my dispute was not to remove the account but it was for them to reach out to the creditor to get a accurate balance. I asked him to provide me with verification of proof that the creditor authorized him to remove my account from my file he stated there was no verification that he could provide me with. I went on to explain to him that they could not just remove a file without any authorization. I proceeded to inform XXXX XXXX that I would be filing a complaint with the fair credit Act, And I will also be seeking an attorney. 
After my conversation with XXXX XXXX I spoke to the creditor, Personal finance company. I spoke with XXXX the branch manager. I informed him of the situation and what occurred with my report and XXXX XXXX. 
Per XXXX they can not reinstate my account with XXXX XXXX. He directed me to file another dispute with XXXX XXXX informing them that my personal finance company  account was not being reported with their bureau. 

After I completed my conversation with the finance company I proceeded to contact the fair credit act too log an official complaint. 
I would like to add an addition to this, XXXX XXXX has consistently provided inaccurate balances on my accounts that are being reported with their bureau. 

Sincerely XXXX XXXX XXXX XXXX-XXXX-XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation