Consumer complaint received 2024-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: MARINER FINANCE, LLC
State: NC

Complaint narrative:
I am writing to lodge a complaint against Mariner Finance, in connection with their unlawful and impermissible access to my credit report and their subsequent failure to address an identity theft incident, in direct violation of the Fair Credit Reporting Act ( FCRA ). On XX/XX/year>2024, I became aware that fraudulent accounts had been opened in my name without my knowledge or consent. As soon as I discovered this, I took immediate action by filing an Identity Theft Affidavit with the Federal Trade Commission ( FTC ), a police report, and by notifying the XXXX, XXXX, and XXXX to dispute these unauthorized accounts and have them removed from my credit file under FCRA Section 605B. Despite submitting all required documentation, I learned that Mariner Finance accessed my credit report without a permissible purpose under the FCRA. I have never sought credit from Mariner Finance, nor did I authorize them to obtain my personal information or open any accounts in my name. This constitutes a clear violation of the FCRAs permissible purpose provisions, as outlined in 15 U.S.C. 1681b, which mandates that a credit report may only be obtained for specific, legally authorized purposes. 
Mariner Finance accessed my credit report without my authorization and without any legitimate or permissible purpose. At no point did I initiate or consent to any financial relationship with Mariner Finance. Despite being provided with sufficient evidence, including my Identity Theft Affidavit and FTC report, Mariner Finance failed to block or remove the fraudulent accounts from my credit file as required under FCRA Section 605B. This unlawful access to my credit report, coupled with Mariner Finance 's failure to take corrective action, has caused significant harm to my financial standing, character, and ability to obtain credit. The derogatory marks stemming from this identity theft have severely impacted my credit score, creating unnecessary hardship.

I am seeking the CFPB 's intervention to investigate Mariner Finance for impermissible access to my credit report in violation of FCRA ; ensure that Mariner Finance immediately removes any fraudulent accounts or derogatory marks stemming from this identity theft from my credit report and hold Mariner Finance accountable for failing to act in accordance with FCRA Section 605B and for the continued harm caused by this negligence. Please note that I have retained documentation including my Identity Theft Affidavit, FTC report, police report, and correspondence with both the credit reporting agencies and Mariner Finance, which I am prepared to provide as evidence to support my case. I trust the CFPB will take swift and decisive action to rectify this matter. If Mariner Finance fails to comply with my request to resolve this issue, I will have no choice but to explore additional legal options to protect my rights and financial well-being.

Company response to consumer: Closed with explanation