Consumer complaint received 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Marlette Funding, LLC
State: MI

Complaint narrative:
TO WHOM IT MAY CONCERN : I am writing to demand an immediate and thorough correction of several glaring inaccuracies and violations on my credit report, caused by your agencys blatant disregard for the legal obligations set forth under the Fair Credit Reporting Act ( FCRA ), Truth in Lending Act ( TILA ), and XXXX XXXX Compliance Procedures. 

This letter constitutes my second formal dispute, and it is not a polite requestit is a legal demand. You are now in continued non-compliance with federal law, and your failure to act has caused significant financial and emotional damage. 

UNRESOLVED DISPUTE " XXXX XXXX '' ACCOUNT Account Name XXXX XXXX XXXX Account # XXXX XXXX XXXX Opened XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Payment Status 60 Days Past Due Legally paid in full for less than the full balance Not more than 3 payments past due Comments Dispute resolved customer disagrees Investigation completed consumer disagrees Settlement accepted Balance {$0.00} {$0.00} Last Payment XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Last Reported XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Despite showing a {$0.00} balance and settlement, the account continues to report inaccurate late payment history ( 30, 60 days ) across multiple months. These entries are false, stem from a systemic billing error, and continue to be reported even after dispute closure. 

VIOLATIONS OF FEDERAL LAW Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) : You failed to conduct a reasonable reinvestigation after my initial dispute. The errors remain uncorrected.

15 U.S. Code 1681i ( a ) ( 2 ) ( A ) : You failed to notify me in writing of the disputes resolution or provide access to the updated report.

15 U.S. Code 1681i ( a ) ( 4 ) : Despite your obligation, you failed to delete or correct information found to be inaccurate or incomplete.

15 U.S. Code 1681s-2 ( b ) : As a data furnisher, you are legally required to investigate, correct, or delete disputed information if it is found to be inaccurate.

15 U.S. Code 1666b ( TILA ) : Payments must be properly credited. Any mishandling of payments leading to false delinquency reporting violates this statute. 

XXXX XXXX & XXXX Violation Summary You have failed to use the required XXXX XXXX compliance codes, as follows : Code XXXX Billing Error : The late payment stems from an acknowledged billing error. This dispute code was not flagged, in clear violation. 

Code XXXX Not a Late Payment : Late marks were wrongly recorded despite no actual delinquency. 

Code XXXX Payment Not Reported Correctly : Payment reporting did not reflect the accurate status after settlement. 

Each month you continue to report these inaccuracies is a separate violation of XXXX XXXX and the FCRA, compounding your liability. 

DAMAGES & REMEDY DEMAND Due to your negligence, I have suffered : Mortgage denial, with documented evidence Severe emotional distress Loss of access to credit products Defamation of character and creditworthiness I am demanding : Immediate deletion or accurate correction of the late payment entries from all three credit bureaus. 

A written notice of the results of your reinvestigation, including any changes made. 

Compliance with XXXX XXXX standards and XXXX guidelines going forward. 

Full remediation of the negative impact on my credit profile. 

NOTICE OF LEGAL ACTION If these violations are not corrected within 15 calendar days, I will proceed with the following : Filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) Filing with the Federal Trade Commission ( FTC ) Contacting my State Attorney General Initiating legal proceedings in accordance with 15 U.S. Code 1681n and 1681o, which provide : {$1000.00} per violation Actual damages Punitive damages Attorneys fees With over 10+ months of false late reporting across 3 bureaus, your exposure exceeds {$30000.00} in potential statutory penaltiesnot including punitive or actual damages. 

I expect a full response and immediate resolution. If no correction is made, you will leave me no choice but to escalate.

Company response to consumer: Closed with non-monetary relief