Consumer complaint received 2022-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Marlette Funding, LLC
State: NY

Complaint narrative:
I, XXXX XXXX XXXX, consumer and of competent mind and age affirm that this complaint is accurate and true to my belief. Best egg is reporting false, negative a deceptive information to XXXX, XXXX and XXXX. Pursuant to 15 usc 1602 ( j ) The terms open end creditplan and open end consumer credit plan mean a plan under which the creditorreasonably contemplates repeated transactions, which prescribes the terms of suchtransactions, and which provides for a finance charge which may be computed from time to time on the outstanding unpaid balance. A credit plan or open end consumer credit plan which is an open end credit plan or open end consumer credit plan within the meaning ofthe preceding sentence is an open end credit plan or open end consumer credit plan evenif credit information is verified from time to time. My social security number, in which pursuant to 15 usc 1602L The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. I never gave Best Egg written or verbal permission to furnish my private personal information to the consumer reporting agencies. This includes all credit tranactions and experiences which should be excluded from the consumer report pursuant to 15 usc 1681B. Best Egg never gave me a disclosure to opt-out of having my private information furnished to any of the consumer reporting agencies pursuant to 15 usc 6802 . Best never gave me a right to recission pursuant to 12 CFR 226.23 - Right of rescission and 15 U.S. Code 1635 - Right of rescission as to certain transactions. Additionally, according to 15 usc 1666d Whenever a credit balance in excess of {$1.00} is created in connection with a consumer credit transaction through ( 1 ) transmittal of funds to a creditor in excess of the total balance due on an account, ( 2 ) rebates of unearned finance charges or insurance premiums, or ( 3 ) amounts otherwise owed to or held for the benefit of an obligor, the creditor shall ( A ) credit the amount of the credit balance to the consumers account ; ( B ) refund any part of the amount of the remaining credit balance, upon request of the consumer ; and ( C ) make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than six months, except that no further action is required in any case in which the consumers current location is not known by the creditor and can not be traced through the consumers last known address or telephone number. I had a balance that exceeded {$1.00} several times over the history of having this open-end credit plan. I have not received any disclosure separate from my billing statements 21 days before the statement date.

According to the 12 USC 411 The said notes shall be obligations of the United States and shall be receivable by all national and member banks and Federal reserve banks and for all taxes, customs, and other public dues. They shall be redeemed in lawful money on demand at the Treasury Department of the United States.The Secretary of the Treasury shall pay interest due or accrued on the public debt. Also 31 usc 3123 ( b ) As the Secretary considers expedient, the Secretary may pay in advance interest on the public debt by a period of not more than one year, with or without a rebate of interest on the coupons. Best Egg has created the false believe that I/Consumer is obligated to pay this debt using Federal Reserve Notes or Floating Rate Notes, which is false and is considered extortion under 18 usc 1961 . If there is no lawful money and Federal Reserve notes are considered debt instruments and pursuant to 18 usc 8 the United States is responsible for all debts both public and private. How am I suppose to pay for something that has already been paid using my social security number?

Company response to consumer: Closed with explanation