Consumer complaint received 2025-06-24 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: FL

Complaint narrative:
Subject : Willful and negligent violations of the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX standards by XXXX XXXX and the XXXXXXXX XXXX XXXX XXXX. Summary of Complaint I am filing this complaint to demand the immediate deletion of the XXXX XXXX tradeline from all three credit bureaus ( XXXX XXXX XXXX ) due to repeated and willful violations of the Fair Credit Reporting Act ( FCRA ), including failure to conduct a lawful reinvestigation, false dispute resolution remarks, and materially inaccurate reporting. The bureaus and furnisher ( XXXX XXXX XXXX XXXX XXXX XXXX ) have had over 60 days to correct these errors following my XX/XX/XXXX CFPB complaint and XX/XX/XXXXXXXX  deletion demand submitted by my legal representative, XXXX XXXX XXXX. 

As of XX/XX/XXXX, the tradeline remains on all three reports with contradictory, misleading, and damaging remarksincluding a false consumer deceased flag and conflicting charge-off/payment statuses. These errors have caused reputational harm, credit denials, and emotional distress. 

2. Timeline of Disputes and Legal Notice XX/XX/XXXXXXXX  XX/XX/XXXXXXXX  : Disputed tradeline multiple times via XXXX, XXXX, and XXXX portals XX/XX/XXXX : Filed CFPB complaint ; investigation took nearly 60 days XX/XX/XXXXXXXX  : XXXX XXXX  Practice submitted formal deletion demand to all three bureaus and XXXX XXXX XX/XX/XXXX : Confirmed via phone with XXXX XXXX that no response or correction was received XX/XX/XXXXXXXX  : Tradeline remains with materially false and conflicting information 3. Violations of Federal Law ( FCRA ) The following provisions of the Fair Credit Reporting Act have been violated : 1681i ( a ) ( 1 ) ( A ) : Failure to complete reinvestigation within 30 days 1681s-2 ( b ) : Furnisher failed to conduct reasonable investigation or correct data after notice from CRA 1681e ( b ) : Bureaus failed to maintain reasonable procedures to ensure maximum possible accuracy 1681c ( f ) : Continued reporting of obsolete or disputed information 1681i ( a ) ( 5 ) ( B ) : Reinserted or retained tradeline without proper certification or notice 1681s-2 ( a ) ( 3 ) : Failure to report account as disputed after direct consumer dispute 1681n & 1681o : Furnisher and bureaus are liable for willful and negligent noncompliance 4. Material Inaccuracies and XXXX XXXX Violations False Consumer Deceased Flag : Appeared on XXXX  and XXXX  in XX/XX/XXXX without basis Conflicting Payment Histories : XXXX  shows 42 % and 100 % on-time payments in different months Contradictory Statuses : XXXX  reports Paid, Charge-off, Profit and Loss Write-off, and Payment After Charge-off simultaneously False Resolution Remarks : Dispute resolved subscriber disagrees appears despite no validation or consumer agreement Failure to Update Dispute Flags : No XB compliance condition code applied post-dispute Aging Errors : Derogatory history continues post-closure and post-dispute, violating 1681c ( f ) 5. Bureau Complicity and Pattern of Noncompliance All three bureaus have : Ignored legal deletion demands submitted by counsel in XX/XX/XXXX Suppressed my ability to re-dispute the tradeline online Retained false and damaging remarks despite CFPB notification and legal documentation Failed to notify me of reinsertion or furnishers responses, violating 1681i ( a ) ( 6 ) This conduct is not only negligentit is willful and systemic. The bureaus have had ample notice and time to correct these errors and have instead allowed the tradeline to remain in violation of federal law. 

6. Supporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX XXXX XXXXXXXX ) : CRA liable for failing to conduct reasonable reinvestigation XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : Furnisher liable for failing to report dispute XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) : CRA and furnisher liable for failing to correct XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) : Monthly charge-off reporting post-default may be misleading XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) : Standing established for reputational harm without credit denial

Company response to consumer: Closed with explanation