Consumer complaint received 2025-11-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Marlette Funding, LLC
State: KS

Complaint narrative:
b'XXXX XXXX  Complaint\n\nXXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX\n\nDate: XXXX XXXX XXXX\n\nTo:\nAttn: Supervisor / Underwriting Department\nXXXX XXXX  / XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX\n\n\n\nSubject: Formal Complaint and Request for Review  Secure Loan Denial\n\n(Violation of the Fair Credit Reporting Act, 15 U.S.C.  1681b(f), 1681s-2)\n\nDear Supervisor,\n\nI recently applied for a secured loan using my vehicle as collateral and was informed that my application was denied due to alleged late paymentsspecifically, being late twice within XXXX days. However, XXXX XXXX did not identify which creditor or account this information was based on, making it impossible for me to verify or correct.\n\nAfter receiving this notice, I contacted XXXX  directly and obtained a current copy of my credit report. I also spoke with two separate supervisors to ensure the accuracy of the information being reported. Both confirmed that all of my accountsopen and closedare current and have never been reported late.\n\nFurthermore, XXXX  advised that if I had any XXXX-day late payments within the past XXXX  months, my credit score would reflect it significantly. My current XXXX score is XXXX, which would not be possible if such delinquencies existed, as late payments have a long-lasting negative impact on consumer credit files.\n\nAccording to XXXX XXXX own adverse action notice, the denial was based on XXXX  data. However, because no late accounts are shown on my XXXX  file, it appears that inaccurate, mismatched, or unverifiable information was used in evaluating my creditworthiness.\n\XXXX needs to provide the full Adverse Action Notice theyre required to provide under the FCRA.\nIt must identify:\n\t\tWhich bureau they used (Experian),\n\t\tThe specific account or reason for denial,\n\t\tThe date of the report they pulled.\n\n(They are legally obligated under 15 U.S.C.  1681m(a) to send this within XXXX days.)\n\n\n\nFair Credit Reporting Act (FCRA) Violations\n\nUnder the FCRA:\n\t\t15 U.S.C.  1681b(f)  A person shall not use or obtain a consumer report unless the information in that report is accurate and complete.\n\t\t15 U.S.C.  1681s-2(a)(1)(A)  A furnisher (such as XXXX XXXX or its data provider) shall not furnish information relating to a consumer that it knows or has reasonable cause to believe is inaccurate.\n\nIf XXXX XXXX used inaccurate data from XXXX, or if XXXX  transmitted incorrect or mixed-file data, both parties may be in violation of the above statutes.\n\n\n\nRequested Action\n\nI respectfully request that XXXX XXXX and its underwriting team:\n\tXXXX.\tConduct a secondary review of my loan application.\n\tXXXX\tProvide written clarification identifying the exact creditor or data source used to support the denial reason.\n\tXXXX.\tIf no such account exists, remove any inaccurate reference from my internal file to prevent further adverse actions.\n\tXXXX.\tConfirm that no inaccurate data was reported or shared with third parties.\n\n\n\nCorrespondence Addresses (for reference)\n\t\tXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX\n\t\tXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX  Attn: SXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXn\n\n\nThank you for your time, professionalism, and understanding. I trust this matter will be reviewed with fairness and that any erroneous information will be promptly corrected. Please provide written confirmation of your findings and any corrective actions taken.\n\nRespectfully,\nXXXX XXXX XXXX XXXX XXXX KS XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation