Consumer complaint received 2022-09-11
Company: MARINER FINANCE, LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Over 20 yrs ago I had a title loan I think can not remember. It was called XXXX XXXX loans. My old debt was paid, I was making payment it was a high risk payment loan place. I was unable to set payments and continue to make the same amount of payment I still remember how I struggled with raising XXXX children and very low income working pay rate XXXX pr hour. That company increased the balance with fees, late fees and the amount was tooo high and i was paying and never getting anywhere. I remember asking if they can lower the interest or the payments that either was done. 
I just could not pay every month than I started to get sick losing a lot of my pay. 
Than the debt was sent to the credit bureaus and my credit history became a nightmare. still is I can not believe XXXX is still harassing me for the account that is over 20 yrs old I never reapplied. I was also notify per credit agencies who help with debt consolidation. Not to make a payment if so it starts over again. I did follow what I was told. So, after so many years I just got an email from Mariner Finance stating I owe them money and that was sent to the collections department. This is the 2nd or 3rd time I get this threat and harrassment every 1yr or 2. I Never ever applied for any loan from Mariner Finance. I went in to ask about what type of company they are after the lady in the office told me to come and when she came back now this was over XXXX ago. when she came back she said she was a supervisor at the XXXX XXXX. she told me I could not get any loans, because I owed them I told her no I do not I never borrowed. She came back with an old file and she did not let me see it but she told me it use to be XXXX XXXX XXXX XXXX XXXX XXXX. Well, I told them I do not owe any funds and not ever over XXXX all this is fees, interest, because I remember the amount i could not pay off was under 1000. Also XXXX was on all three of my credit bureau for XXXX yrs. I request remove they did, also i put that in the bankruptcy XXXX XXXX it is going discharge XXXX yrs. XXXX was not to harass me nor sell it to Marinier finance and if not than if XXXX name was changed to Mariner Finance that too is not and they need to stop sending me threatening letter and marking my credit with debt that is over 20yrs old, also still charging fees, interest Sunbelt has been file in Bankruptcy XXXX XXXX  currently discharge 4yrs. Mariner Finance they do not have anything from me as being approved for any loans I never got one from them, nor sign for any loan from Mariner Finance, if they state i did i want proof and they can not combine XXXX XXXX loan title. That company is no longer existing. I want my credit left alone and I do want to sue them for harrassment and tarnishing my current credit history. I have the email and the bankruptcy documents showing that XXXX was the only company.

Company response to consumer: Closed with explanation