Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #13147919
Complaint Overview
Complaint ID: 13147919
Company: Marlette Funding, LLC
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Information belongs to someone else
State: California
ZIP Code: 91423
Date Received: 2025-04-23T12:00:00-05:00
Date Sent to Company: 2025-04-23T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am writing to dispute an unauthorized soft inquiry that appears on my credit report from your company, Best Egg, dated XX/XX/year>. I have never applied for a loan, credit product, or service with Best Egg, nor have I granted permission for your company to access my credit report. Therefore, I am formally requesting that you : 1. Provide proof of authorization showing that I gave written or electronic permission for this inquiry, and 2. Immediately remove the soft inquiry from my credit file if no such authorization can be provided. Although soft inquiries do not impact my credit score, they still reflect access to my personal credit file, and I take that very seriously. Under the Fair Credit Reporting Act ( FCRA ), companies are only permitted to access a consumers credit file with a legitimate permissible purpose and consumer consent. If you are unable to validate this inquiry, it constitutes a violation of my rights under the FCRA. Please respond to this request within 30 days in writing, or I will consider filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ) for unauthorized access to my credit report.
Frequently Asked Questions
What is Complaint #13147919 about?
Complaint #13147919 was filed against Marlette Funding, LLC regarding Credit reporting or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2025-04-23T12:00:00-05:00.
How did Marlette Funding, LLC respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Marlette Funding, LLC?
Yes, visit the Marlette Funding, LLC company profile at readthecomplaint.com/company/marlette-funding-llc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.