Consumer complaint received 2019-06-02
Company: MARINER FINANCE, LLC
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Through my divorce in Circuit Court, I paid my legal obligation of an account jointly owned with my ex-husband. After I paid my portion as stipulated by the Circuit Court, my ex-husband elected to default on his legal obligations and pay nothing. I filed a suit with the Circuit Court to hold him in contempt. The creditor, Mariner Finance, filed a civil suit in General District Court against both, me and my ex-husband for non-payment in XX/XX/XXXX. My lawyer informed the judge of the District Court of the pending case in Circuit Court and continued the case to XX/XX/XXXX. My case in Circuit Court was held in XX/XX/XXXX, and I agreed to bring the Mariner Finance loan current to close the District Court case, and pursue this debt against my ex-husband solely through Circuit Court. I did as promised and brought the account current on XX/XX/XXXX with a payment over {$1300.00} and have continued to make the monthly payments. My lawyer, Mariner Finance and the General District Court, told me I did not need to come to the court hearing in late XXXX, since I brought the account current and it was no longer delinquent. I should also note, while my ex-husband refused to communicate with Mariner Finance, I stayed in contact to keep them informed and apprised of my progress through the separate case in the Circuit Court. 
While I understand most creditors don't care and just want to be paid regardless of who is responsible, I wasn't evading this creditor or communicated false information. As I was told I didn't need to go the XXXX court case, Mariner Finance went to the hearing and was told me they would notify the judge the account was made current. 
I received a court notice in XXXX stating this case had been continued to XX/XX/XXXX! 
I called Mariner and asked why there was another court date, when the last time we spoke, I made the account current. They said they asked the judge to extend the case to XX/XX/XXXX in case I stopped making the payments. For me this was deceiving of Mariner, but I wasn't concerned because I know the payments would be made. I noticed in XX/XX/XXXX my credit score was not improving and pulled my credit reports. All 3 credit bureaus stated this account was closed, in collection, failure to pay and other false information. I called Mariner Finance and they stated they didn't have to report this information accurately until after the XXXX court case. This is against the FCRA regulations. They must report " ACCURATE '' information and are not permitted to intentionally report false data or withhold accurate data to damage a consumer. I filed a dispute with the credit bureaus in XX/XX/XXXX, and Mariner responded with an updated balance, but refused to report the account was current since XX/XX/XXXX. It is now 4 months past and this account is showing 5 months late, needlessly damaging my credit and FICO scores and preventing me from getting approvals for basic anything. I've submitted disputes again to all 3 credit bureau 's, but wanted to send this complaint as well, since they refused to report the facts in XXXX, I'm less than confident they will respond any differently in XXXX. I've attached proof of payments, the loan documents, the previous XXXX dispute, and my XXXX credit reports from all 3 credit reporting agencies, XXXX, XXXX, and 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