Consumer complaint received 2026-01-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: MARINER FINANCE, LLC
State: FL

Complaint narrative:
I am formally disputing the following account reported on my credit file as it contains inaccurate, unverifiable, and misleading information, and does not take into account significant mitigating circumstances beyond my control. This dispute is submitted under the rights granted by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, which requires all information reported to be accurate, complete, and verifiable. 
Disputed Account : Creditor : Mariner Finance Address : XXXX XXXX XXXX, XXXX, MD XXXX Phone : ( XXXX ) XXXX Account NumbXXXX XXXX XXXX XXXXXXXX Account Type : Secured Loan Status : Charge Off Date Reported : XX/XX/XXXX Balance : {$3100.00} Date Opened : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX Reasons for Dispute : Inaccurate Balance and Payment History : The reported balances, payment amounts, and charge-off history contain multiple inconsistencies that do not align with my documented payment records. 
XXXX Financial Hardship : During the XXXX pandemic, I experienced significant financial hardship that directly impacted my ability to repay this loan on schedule. The reporting of this account as a charge-off fails to reflect these extraordinary circumstances, which were beyond my control. Many creditors and financial institutions, including Mariner Finance, implemented hardship programs during this period, yet this account continues to reflect a negative status without acknowledging these mitigating factors.

Unverified Reporting / Lack of Documentation : Under FCRA guidelines, credit bureaus are required to verify any account upon dispute. Mariner Finance has not provided documentation validating the reported charges, payment history, or charge-off amounts. Until verifiable proof is provided, this account must be removed from my credit report.

Potential Misidentification/ Fraud Risk : I have reason to believe that this account may have been misapplied or inaccurately attributed to me, as I do not have records showing consent or authorization corresponding to the reported amounts beyond the limited documentation provided.

Violation of FCRA Accuracy Requirement : The inclusion of unverified, misleading, and incomplete information constitutes a violation of 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to follow reasonable procedures to ensure maximum possible accuracy of reported data.

Requested Actions : Immediately investigate and verify the account information with Mariner Finance.

Remove the account from my credit report if Mariner Finance fails to provide complete, accurate, and verifiable documentation within the XXXX FCRA investigation XXXX. 
Provide written confirmation of the results of your investigation, including copies of all documentation used to verify the accuracy of this account. 
Ensure that all future reporting accurately reflects verified information and acknowledges mitigating circumstances, including pandemic-related hardships, where applicable. 
Enclosures : Proof of identity ( Drivers License / State ID ) Proof of current address ( utility bill / bank statement ) Supporting documentation regarding payments or account status This letter serves as a formal, urgent dispute. I demand prompt resolution within the statutory XXXX period, as required by FCRA. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation