Consumer complaint received 2025-06-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MARINER FINANCE, LLC
State: AL

Complaint narrative:
XXXX XXXX is reporting inaccurate and potentially unlawful information on my credit report, in violation of 623 of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2. Specifically, they have continued to report and increase the balance of an account that is the subject of active litigation and unresolved legal dispute. 

Between XX/XX/XXXX and XX/XX/XXXX, Mariner Finance increased the balance reported to the credit bureaus from {$12000.00} to {$13000.00} despite no verified judgment being finalized and a pending Motion to Vacate Default Judgment that I filed in XXXX XXXX XXXX XXXX ( Case No. XXXX ). This increase occurred after the court had already denied their prior motion for default judgment in XX/XX/XXXX due to defective service of process, as noted in a court order signed by the district judge.

These actions violate 623 ( a ) ( 1 ) ( A ) of the FCRA, which prohibits any person from furnishing information to a credit reporting agency that they know or have reasonable cause to believe is inaccurate. Reporting an increased balance on a disputed and potentially unenforceable debt while failing to indicate the account is in dispute also violates 623 ( a ) ( 3 ), which requires that furnishers of information update account statuses when they become aware of disputes or changes. 

I have made formal attempts to challenge the underlying legal validity of this debt, and there has been no evidence that service of process was ever properly executed. The court documents filed in XXXX and XXXX confirm this issue is still unresolved, yet Mariner continues furnishing new balance updates without legal basis.

Furthermore, this reporting negatively impacts my credit standing and creates the appearance of new delinquency or financial risk, despite the legal challenge being active. The continued reporting of increased debt during an active dispute violates the spirit and letter of the FCRA, particularly 1681s-2 ( b ), which imposes a duty on furnishers to conduct a reasonable investigation upon receiving a dispute and to correct or delete any inaccurate, incomplete, or unverifiable information. 

This behavior also contradicts the standard set forth in XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX ), which emphasizes that a superficial or incomplete investigation by a furnisher does not satisfy the requirements of 1681s-2 ( b ). Mariner Finances failure to verify the legitimacy of their claim, while continuing to update balances as if uncontested, is misleading and harmful. 

In summary, Mariner Finance is : Reporting increased balances during pending litigation.

Failing to note that the account is being actively disputed.

Furnishing potentially inaccurate and unverifiable data in violation of FCRA 623.

Damaging my credit report while a valid motion to vacate is awaiting resolution. 

I am seeking full resolution and deletion of this tradeline in line with the legal requirements outlined above

Company response to consumer: Closed with explanation