I need to make a correction on my original post, I misquoted the miles, it has only 81k miles instead of 87k - I am not sure how much that matters in this case but I thought I'd correct it anyway.
I have taken the Murano to 5 different places to have the engine looked at and I'll tell you my experiences with them and it might help you out some. We still have not figured out how to get the rattle to stop, but we are onto a possible solution. The first place we went was Perfection Tire on the recommendation from a family friend. They heard the noise, checked the oil and other fluids and the heat shields. The shields checked out fine, they told us that the oil was really low and that could be the cause and said we should change the oil. So we set out to change the oil and in the process noticed that the ac/alt belt was damn near shot - and that the tension bolt for the power steering belt was broken off (which had us complaining to the dealership we bought it from which is a story unto itself). After changing the oil (we added full synthetic), replacing the cracked belt and the bolt the rattle was still there so we took it to a local mechanic on the advice of the guy we talked to at Perfection. They said they drove it and heard the noise and said it sounded exhaust related. To be honest, I am not sure they drove it because I never saw the car actually leave the shop, unless they were stealthy about it.
I took it to a muffler shop and they put it on the lift, checked everything, and then started it while it was on the lift and got the car to rattle. They said that they heard the noise, it was not exhaust related as everything checks out fine as far as the exhaust was concerned. They said it sounded internal. While at the muffler shop I ran into a guy that works for Commercial Tire and he said to take it to them and see what they can do. At this point I was willing to try anything so I took it out there and got some answers and at least good possibilities to check on. The mechanic at Commercial said it sounded like a detonation noise and that it was taking in too much fuel (which could explain our crappy mpg). He told me to take it to the local Nissan dealership or a place that can hook it up to a computer that can read Nissan codes and have it checked out.
I do not trust the local Nissan dealership AT ALL (another long story) so I called several places asking if they had the tools and computers required to work on Nissans and found an import repair shop that could look at it. Took the Murano to them and they drove it, heard the noise, hooked it up to their computer, and did all sorts of things with it and came back with a pre-detonation "diagnosis". There were no codes that popped up (no check engine light either) and told us to change from the mid-grade fuel we were using to a non-ethanol supreme to see if that helped and to take it out on a road trip to clean the carbon build up out of the engine. I had 3/4 of a tank of mid-grade to burn up so I added Lucas fuel treatment to help clean out the carbon, and took it out on the road to clean it out. The rattle subsided some, but it did not go away. We just refueled the car with the recommended fuel and the rattle has actually come back as bad as it used to be.
I finally broke down and called the Nissan dealership and told them what was going on and they suggested changing the fuel and cleaning out the carbon first as well - before going in for major repairs that may or may not fix the problem. I also asked him about retarding the engine timing if it was pre-detonation and he said that there are sensors that are supposed to automatically do that and if the car is not throwing any codes then he does not believe there is anything wrong with the sensors.
Our next plan is to burn this tank of gas, add some more and use SeaFoam through the intake to burn even more of the carbon out. After we do that, we are then going to change the spark plugs and gaskets. We are hoping that this will stop the rattle issue we are having as electronically, everything supposedly checks out.
I am not sure if this helps with your problem at all, but if your check engine light is coming on, I would say that it is throwing a code that something is wrong. Does this mean it is your CAT(s), I don't know. It could be related to your whole electronic system in that you would have something shorting out, something has come loose, or that some sensors are failing. It could also be similar to my problem and that it is detonating too soon, or not enough. I don't know how many miles are on your Murano, but you could try changing your plugs (which would also require a gasket change) - if they haven't been changed recently - and see if that helps any. You could also try changing the fuel, if you do not use a high octane fuel, and cleaning out the carbon build up. I wish I was more engine savvy to help you out better.
I took my car out onto to some back roads to take a video of the noise so people can hear what I am talking about. Have a listen and see if it resembles what you are experiencing yourself.
http://youtu.be/nl_e0-DZuBE