Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MARINER FINANCE, LLC
State: TX

Complaint narrative:
I am filing this complaint to report Mariner Finance for persistent, material violations of the Fair Credit Reporting Act ( FCRA ), XXXX XXXX credit reporting standards, and consumer protection laws. Despite multiple disputes submitted through the credit bureaus, Mariner Finance continues to report a tradeline that contains materially inaccurate, inconsistent, and unverifiable information. 

This account appears differently on XXXX XXXX  and XXXX with conflicting dates, statuses, and histories that demonstrate a lack of accuracy, failure to verify, and disregard for federal law. 



Violations and Legal Grounds 1. Conflicting and Inaccurate Reporting FCRA 1681e ( b ), 1681s-2 ( a ) ( 1 ) ( A XXXX XXXX shows the account closed on XX/XX/XXXX XXXX shows the account closed on XX/XX/XXXXXXXX XXXX  shows it closed on XX/XX/XXXXXXXX XXXX lists a high balance of {$7000.00} XXXX XXXX and XXXX list no high balance XXXX shows a payment history with multiple late payments followed by charge-off ; XXXX  falsely reports OK payments through XXXX, despite the charge-off status ; XXXX provides no payment history at all These discrepancies are material and directly violate the FCRAs requirement to furnish information that is complete and accurate. 



2. MXXXX XXXX Noncompliance Incomplete and Unstandardized Data The tradeline fails to meet XXXX XXXX compliance standards due to : Missing or inconsistent Date of First Delinquency ( DOFD ) No standardized closure codes or transfer remarks Inconsistent 24-month payment history formatting These errors indicate that Mariner Finance is either manually furnishing inaccurate data or using faulty automation without proper review, which leads to serious consumer harm and systemic data integrity issues. 



3. Failure to Respond to Disputes or Validate Account FCRA 1681i ( a ) Despite initiating multiple disputes with all three credit bureaus, Mariner Finance has failed to conduct a reasonable investigation or provide any documentation validating the debt. 
There has been no response with : Signed contracts or loan agreements Proof of identity match Account statements or breakdowns Method of verification per FCRA requirements The failure to verify or correct the data following disputes constitutes both negligent and willful noncompliance. 



4. Lack of Notice of Negative Reporting FCRA 1681s-2 ( a ) ( 7 ) I was never informed that Mariner Finance would be reporting derogatory information to the credit bureaus. This is a clear statutory violation and a failure of basic procedural fairness.

5. Identity and Authorization Concerns There is a reasonable basis to question the origin of this account. No sufficient documentation has been provided to prove the account was opened with my knowledge or consent. Given the inconsistent histories and conflicting data, there is legitimate concern of identity mismatch or unauthorized origination. 



6. Harm Caused Emotional Distress, Credit Denial, Financial Injury This account has directly contributed to : Credit score suppression across all three bureaus Denial of credit applications Higher interest rates on approved credit Lost financial opportunities Emotional distress, XXXX  and frustration in attempting to correct inaccurate data This is not a harmless reporting issueit has caused substantial harm. 



Intent to Sue If this matter is not resolved promptly through deletion of the account and confirmation of correction with all CRAs, I intend to pursue legal action under the following statutes : FCRA 1681n Willful noncompliance ( statutory damages up to {$1000.00} per violation, plus punitive damages and attorneys fees ) FCRA 1681o Negligent noncompliance ( actual damages and attorneys fees ) Texas Deceptive Trade Practices Act ( DTPA ) for misleading representation and failure to act in good faith Damages for emotional distress and consumer injury under applicable federal and state law

Company response to consumer: Closed with explanation