Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MARINER FINANCE, LLC
State: TX

Complaint narrative:
I am writing to address the reporting of a secured installment loan ( Account # XXXX * * * * ) on my credit reports with XXXX XXXX, and XXXX. The account is reported as closed or paid with a {$0.00} balance, opened on XX/XX/XXXX or XXXX, XXXX, with a high credit of {$1600.00} ( XXXX XXXX ) or {$0.00} ( XXXX  ), last reported between XX/XX/XXXX, and XX/XX/XXXX. However, I am aware of prior reporting indicating a {$4100.00} balance with a charge-off status ( reported XX/XX/XXXX ), which suggests inaccuracies or inconsistencies. Your reporting violates the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ), the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 ), XXXX Finance Code Chapter 392, and potentially the XXXX Deceptive Trade Practices Act ( DTPA, Tex. Bus. & Com. Code 17.46 ). I demand immediate correction of any inaccuracies and validation of any alleged debt.

Violations of Law FCRA Violations ( 15 U.S.C. 1681s-2 ( b ) ) : Your reporting shows inconsistencies, including varying high credit amounts ( {$1600.00} in TransUnion/Equifax vs. {$0.00} in Experian ) and opening dates ( XX/XX/XXXX vs. XX/XX/XXXX ). If you previously reported this account with a {$4100.00} balance and charge-off status ( as noted on XX/XX/XXXX ), this conflicts with the current {$0.00} balance and " Current '' status, indicating inaccurate reporting under FCRA Section 1681s-2 ( b ).

If this account was discharged in bankruptcy or otherwise resolved, reporting it with a non-zero balance or derogatory status ( e.g., charge-off ) violates FCRA Section 1681c-1. Failure to investigate and correct inaccuracies after any prior disputes further violates FCRA Section 1681s-2 ( b ).

FDCPA Violations ( 15 U.S.C. 1692g, 1692e, 1692f ) : If you are acting as a debt collector, your failure to validate any alleged debt ( e.g., a {$4100.00} balance ) upon request violates FDCPA Section 1692g ( b ). Reporting an unverified debt as a charge-off or with inaccurate details violates FDCPA Section 1692e ( false or misleading representations ) and Section 1692f ( unfair practices ). 



XXXX Finance Code Chapter 392 Violations : Reporting an incorrect balance ( e.g., {$4100.00} vs. {$0.00} ) or inconsistent details ( e.g., high credit, opening dates ) violates XXXX Finance Code Section 392.304 ( a ) ( 8 ) ( misrepresenting the character, extent, or amount of a debt ). 



XXXX  Deceptive Trade Practices Act ( DTPA, Tex. Bus. & Com. Code 17.46 ) : Misrepresenting the accounts status or balance ( e.g., reporting a paid/closed account as a charge-off ) or failing to correct inaccuracies may constitute a deceptive trade practice under the DTPA.

Potential Bankruptcy Discharge Violation : If this debt was discharged in bankruptcy, reporting it with a non-zero balance or derogatory status violates FCRA Section 1681c-1 and may breach the bankruptcy discharge injunction ( 11 U.S.C. 524 ).

Company response to consumer: Closed with explanation