Consumer complaint received 2019-07-12
Company: MARINER FINANCE, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, I received a consumer copy of my credit report and found multiple erroneous entries, including a collection account owned by Mariner Finance ( account number XXXX ). On the XX/XX/XXXX report, the DLA for the account reported as XX/XX/XXXX. Over the next 10 months, I successfully disputed and was able to have removed all false tradelines in question, except for Mariner. On XX/XX/XXXX, I received an annual copy of my credit reports from XXXX, XXXX, and XXXX. The tradeline was still reporting with a DLA of XX/XX/XXXX. On XX/XX/XXXX, I received an updated copy of my 3 credit reports as a result of disputing one of the other false accounts and Mariner tradeline continued reporting with the same DLA. On XX/XX/XXXX, I sent Mariner a written request by certified mail to verify the debt belonged to me, notifying them that I believed the debt not to be mine. I requested validation of the debt including : 1 ) An explanation of what this alleged account balance was for. 
2 ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount was correct. 
3 ) Documentation that shows I agreed to pay this debt. 
4 ) The Agreement that granted Mariner the authority to collect on this alleged debt. 
5 ) A copy of Mariner 's state license, including license number. 
Mariner did not respond to my request. On XX/XX/XXXX, I received a consumer copy of my credit reports from all 3 bureaus and the tradeline continued, DLA was still being reported as XX/XX/XXXX ; however, a new hard inquiry from Mariner on XX/XX/XXXX appeared on my credit report. I did not authorize this inquiry and have not applied with Mariner for a line of credit. Most recently, on XX/XX/XXXX, I was notified by my credit monitoring service that Mariner had updated their tradeline 's DLA to XX/XX/XXXX! I received no correspondence from Mariner, despite my request and attempt to confirm this debt as valid in XXXX! And in XXXX, the DLA was suddenly moved FORWARD XXXX XXXX years!! Unless resolved, this will result in this debt being falsely reported on my credit for a total of 13 years! Between XXXX, I made no payments on this debt, have not acknowledged this debt as mine, did not attempt to make payment arrangements with the creditor, and have had no communication that would have reset the date of last activity. I believe Mariner has illegally re-aged this debt to prevent it from falling off of my report in 6 months. 
I submitted a dispute to all three credit bureaus listed above, on XX/XX/XXXX and was notified on XX/XX/XXXX that Mariner had " reported the debt as verified ''. Mariner has been unwilling to provide documentation proving that they could have accurately verified this debt, at my previous request. Mariner has persisted with reporting inaccurate information to the credit bureaus which I believe to be a violation of my rights.

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