Consumer complaint received 2023-01-03
Company: MARINER FINANCE, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Mariner Finance # XXXX XXXX Amount : {$2600.00} I have contacted this company several times sending certified letters with a return signature to address : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX MD XXXX XXXX This company have been receiving the mail but have never responded to any of the letters. I was told that an fraud package will be sent to me but I never received it. This has been ongoing for over 2 years now. 

I have sent them several police reports and identity theft affidavit. I call this common XX/XX/2023 at phone number XXXX, I spoke to their representative XXXX # XXXX in the customer relation department. She stated yes the information does not match and we just send checks out in the mail so someone could have very well cashed the check. Mind you I never authorized this company to obtain my personal information to for no reason at all, and this company never verified with any signatures or contract that I agreed to. So this company has violated many of my consumer rights and the federal law. I never agreed nor authorize this debt. 

I also spoke to the branch manager XXXX XXXX located at XXXX XXXX XXXX XXXX, Ohio XXXX on XX/XX/2023 at XXXX. 
During the call he was very rude and disrespectful. XXXX also stated that my information was sold to this company Mariner Finance from a company called regency. I never authorized neither company to obtain my personal information for any reason. 
I recorded all the calls and have proof of all the conversations. I also let XXXX know and he hung the phone up on me. This is how I know that he knows they have obtained my information illegally. This company has violated my consumer rights in multiple ways. 
This company has sold my person information to 2 other companies without my consent. This goes against all my consumer rights. 

Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you " verified '' that these items are being " reported correctly ''. 

I request for the third time that you provide the method of verification you used. Your response should provide : The name of the original creditor The address and phone number of the original creditor The name of the person at your who verified the dispute with the original creditor The documentation used to verify the dispute You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ) which under Section 611 ( a ) ( 7 ) you were required to provide a description of reinvestigation procedure by no later than 15 days. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA- you are required to " ..promptly DELETE all information which can not be verified. '' The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand the following accounts be verified or deleted immediately.

Company response to consumer: Closed with explanation