Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Solar Mosaic LLC (TX)

On XX/XX/XXXX I received a billing statement from a company named : Mosaic with mailing address of XXXX XXXX XXXX, XXXX, AZ XXXX. It was for a loan in the amount of {$43000.00} with a first payment due on XX/XX/XXXX of the amount of {$590.00}. I did not recognize the company name, and I was certain I did not incur a debt in that amount with any other company. A quick search online revealed this company has had fraud cases before and they place liens on properties. I did a quick search on our County Property website and saw they have a lien on a person 's property with my same name but different address. The statement contained XXXX telephone numbers. I called the number ( XXXX ). A person by the name of XXXX answered. He informed me he is a project manager and that he in fact did NOT have any projects connected to either my name, my address, nor my phone number. At his point I did NOT know what type of projects XXXX was referring to. He transferred the telephone call to a person named XXXX. XXXX asked me whether I had engaed in business with a company called XXXX XXXXXXXX XXXX who install solar panels in homes. I told her I didn't. I dont ' have solar panels on my home. She said they work together with Mosaic ( who provides the loans ) in order for clients to install solar panels in their homes. She asked me if I had recently given any sales people information to run my credit to see if I qualified for solar panel loans and I told her I hadn't. She gave me a case # XXXX and transferred my call to the other number on the statement ( XXXX ). She told me I would be speaking to a fraud specialist  to better assist me. At that point I was transferred by a fraud specialist of the name XXXX. XXXX wanted me to give him identifying information such as my date of birth, phone, email, last XXXX digits of my social in order to assist me. I refused to give him information other than my email and year or birth. He said he had my information anyways and just needed to confirm it, but I refused to provide any more. He told me the only way to assist me was for me to fill out an affidavit of forgery that he would email me following our phone call. As we spoke he texted me a code ( XXXX ) to my cell phone. I don't know what the code is for. I received his email ( from email address : XXXX ) with the attached affidavit he mentioned. The affidavit suggested I file a police report and I submit it with the form before XX/XX/XXXX ( wrong year ). I called my local police department who sent XXXX officers to my residence. I explained all of the above to them. At this point I had run my credit on XXXX XXXX and this loan did not appear on my report. I had also called all XXXX Credit Bureaus : XXXX, XXXX, and XXXX  and requested a credit freeze. The XXXX police officers ( XXXX and XXXX ) told me this is a very common form of operating to commit fraud by companies. They told me not to fill the affidavit because it would only give them more of my information to try to connect me to this fraudulent account. They said for me to not engage in communication with them any longer and keep reviewing my credit report for suspicious activity. The # for that police activity report with XXXX, Texas Police Department is XXXX. I did as told. I have been receiving monthly statements in the mail from them though. Then, on XX/XX/XXXX while reviewing my credit report with XXXX XXXX XXXX I saw that this loan did its first appearance on my Credit Report. It showed up as a XXXX XXXX and with several late payments. It immediately lowered my XXXX XXXX by over XXXX points in XXXX day. I will now be returning to the police department to fill out a new report with new information.