Consumer complaint received 2020-04-08
Company: MARINER FINANCE, LLC
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I first notified Mariner Finance back in XXXX of an account that is reporting on my credit report that is not mines. This is account was fraudulent obtained by a relative of mine who has a similar name as mine. I was told from Mariner Finance attorney to have a copy of a letter notarized from the relative stating that this was not my account and that I was not responsible for the bill. Once I did that I was told by the attorney to send a copy of the notarized letter to Mariner Finance and they would delete it off of my credit report. I did that as well and it was never deleted off of my Credit Report. Mariner Finance Collection Company continued to call and harass me regarding this account. They called in XXXX and again in XXXX demanding that I pay this. In XXXX I was told from a representative that they would be deleting it from my credit report and that I would not be getting anymore calls. Upon me trying to obtain a house in XX/XX/XXXX, I discovered that this was still showing up on my Credit Report. I contacted Mariner Finance by phone in XXXX disputing this account once again. I was told that I owe the money and that I needed to pay it. 

On XX/XX/XXXX I then sent in a letter to all 3 Credit Bureaus ( TransUnion, Experian, Equifax XXXX disputing the accuracy of an account reporting on my credit report that was not mine.I was also disputing the several inaccurate addresses on my report that belongs to the relative who obtain the Credit. I also asked the Credit Bureaus to send me documentation that I signed for this loan as well as the name of the person who they contacted from the Original Lender. On XX/XX/XXXX I received dispute results back from all XXXX Credit Bureaus stating that the account was verified as accurate along with the different addresses. I never received any other supporting documentation with it. According to the FCRA if the Credit Bureaus nor the Original Data Furnisher can provide me with supporting information within 30 days of the dispute they must delete the inaccurate information from my credit report. 

How is it possible for all the Credit Bureaus to get accurate information from Mariner Fiance when I truly have proof that this information is inaccurate along with the addresses. That leads me to believe that the Credit Bureaus did not do a thorough investigation nor did Mariner Finance send them accurate information. I have a notarized letter from the person who got the loan in my name. The notarized letter specifically has his Social Security Number on there along with his full name. On the letter you will see that we have the same first and last name. Same middle initial. However, it is a different Middle name although it is the same INITIAL. 

As I stated before, I have been dealing with this since XXXX. I have given MARINER FINANCE, ALL 3 CREDIT BUREAUS ample amount of time to rectify this issue to be removed off of my credit report. If this is not resolved this time you all leave me know choice, but to retain a FCRA Attorney and file several lawsuits. If won I can be awarded up to {$1000.00} per violation and you all have violated several of my rights. 

Please have this inaccurate information along with the addresses DELETED immediately from all 3 of my CREDIT REPORTS. This inaccurate information reporting is apprehending me from securing a Home Loan for me and my family. I await an updated Credit Report along with a letter informing me that you all have notified all 3 Credit Bureaus to remove the inaccurate information from my credit report. 

Respectfully, 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