Consumer complaint received 2025-12-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
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:
Re : Account No. XXXX Two Years of Failed Verification & Ongoing Illegal Reporting To Whom It May Concern : I am requesting regulatory review and immediate deletion of the XXXX XXXX XXXX XXXX XXXX XXXX ) tradeline associated with Account No. XXXX, based on two years of continuous FCRA noncompliance and an extensive, well-documented pattern of furnishing unverified and inaccurate information.

This request is supported by multiple documents previously issued to XXXX XXXX and the CRAs, including : XX/XX/XXXX CEASE & DESIST + failure-to-verify notice to XXXX XXXX CR_DisputeXXXX XX/XX/XXXX cease-communication order sent by counsel to XXXX  XXXX  XXXX XXXX dispute letters sent to XXXX, XXXX, and XXXX  regarding XXXX XXXX inaccuracies and improper charges o XXXX  XXXX o XXXX XXXX o XXXX  XXXX XX/XX/XXXX XXXX Requests sent to all three CRAs after XXXX XXXX failed to verify within the statutory time period o XXXX  XXXX o XXXX XXXX o XXXX  XXXX XX/XX/XXXX authorization letters confirming legal representation, placing the CRAs on formal notice that all disputes were handled through counsel o XXXX XXXX XXXX XXXX XXXX samples referenced above Together, these documents clearly establish that : 1. XXXX XXXX  failed verification in XXXX and the account became legally barred from reporting. 
In XXXX  XXXX, verification was requested through formal dispute channels and through counsel. XXXX XXXX did not provide verification, and by XX/XX/XXXX, the furnishers failure to verify was confirmed. 
Under FCRA 1681s-2 ( b ), once a furnisher fails to verify within the statutory reinvestigation window : The account becomes legally unverified The furnisher must cease reporting CRAs must delete the tradeline Because XXXX XXXX never produced : a signed contract, itemized statements, a ledger, or proof of liability, the account has been barred from reporting since XX/XX/XXXX. 
Nothing submitted after that date can cure a failed verification from XXXX. 
2. Deletion demands were sent in XX/XX/XXXX, yet XXXX XXXX continued furnishing. 
In XX/XX/XXXX, XXXX Legal Practice issued formal deletion demands to all CRAs after XXXX XXXX failed to verify within the statutory window ( XXXX XXXX XXXX ). 
Each of these letters states : The Fair Credit Reporting Act mandates that you promptly delete an account that is not verified within the investigation period. 
The CRAs and XXXX XXXX  were therefore placed on formal notice that : the account was unverified, the account was barred, deletion was legally required, and reinsertion was prohibited. 
Despite this, XXXX XXXX continued furnishing derogatory updates. 
XXXX. Despite being legally barred since XXXX, XXXX XXXX  continues re-aging and derogatory reporting through XXXX. 
XXXX XXXX  has : furnished new derogatory CO statuses, toggled dates and status markers, updated delinquency histories, and re-aged the account long after it became unverified. 
Under FCRA 623 ( a ) ( 5 ), re-aging without documentation is prohibited.

Under FCRA 1681e ( b ), CRAs must ensure maximum possible accuracy and can not publish unverified information.

Under FCRA 1681i ( a ) ( 5 ), reinsertion of deleted/unverified information requires written certification and 5-day consumer notification.

None of these requirements were met.

The account therefore remains illegally furnished and illegally reinserted.

4. XX/XX/XXXX disputes further placed all bureaus on notice. 
Additional disputes were filed in XX/XX/XXXX, again informing CRAs that : the account was unverified and barred since XXXX, deletion requests had been ignored since XX/XX/XXXX, ongoing derogatory updates violated the FCRA. 
No verification was produced in response. 
5. Two years of continuous noncompliance now exist in documented form.

The timeline is clear : XXXX  XXXX : Verification requested XXXX XXXX : Furnisher fails verification XXXX XXXX XX/XX/XXXX : Continued reporting despite being barred XX/XX/XXXX : Formal deletion requests issued to all CRAs XXXX XXXX : XXXX  XXXX  continues furnishing derogatories XXXX : Account still reporting despite 24+ months of noncompliance This establishes a multi-year pattern of : furnishing unverified information, failing to conduct reinvestigations, ignoring deletion obligations, re-aging and toggling data, and continuing derogatory furnishing on a barred account.

The pattern is comprehensive and well-documented in the attached correspondence.

This regulatory request is submitted solely for the purpose of ensuring accurate credit reporting and compliance with federal law.

The documents attached demonstrate a multi-year pattern of failures that warrant deletion and regulatory review.

This letter preserves the factual record for ongoing review and ensures that all relevant parties understand that the account became barred from reporting in XXXX, and that continued updates constitute willful noncompliance under the FCRA.

Company response to consumer: Closed with explanation