Consumer complaint received 2024-08-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a Senior Citizen and 100 % XXXX  Veteran, I am writing to formally request the following actions regarding the contracts I entered into with your company : Immediate Removal of My Signature : Please remove my signature from all contracts dated XX/XX/XXXX. Specifically, this pertains to the Roofing Contract for the installation of a new roof on my property located at XXXX XXXX XXXX XXXX XXXX, and the Solar Contract dated XX/XX/XXXX, which relates to the installation of solar panels under the XXXX XXXX Agreement. 
Cancellation of XXXX Third-Party Lenders Contract : I request the cancellation of the contract with XXXX XXXX XXXX , the third-party lender. The loan number associated with this contract is XXXX, with a total amount of {$58000.00} and a monthly payment of {$360.00}. This request is due to misrepresentation and fraud on the part of the following individuals : XXXX XXXX : Sale Representative at XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reasons for Request : During the contract negotiations, I relied on the representations made by XXXX XXXX and XXXX XXXX. Unfortunately, I discovered the following issues : Overpromised Savings : Both representatives overstated the potential savings I could achieve with solar panels, failing to disclose potential issues that might reduce these savings.

Permit and Inspection Requirements : I was not informed that all solar installations require permits and inspections before they can be connected to the utility company.

Misleading Information : There was misleading information provided regarding government incentives, rebates, insurance requirements, and tax credits.

Upon entering into the aforementioned contracts, I relied on the representations made by XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Representative, and XXXX XXXX a XXXX XXXX Representative regarding Overpromise the saving I can archive with Solar panels by overstating the saving or failing to disclose potential issues that might reduce saving, failure to undisclosed that all solar installation require a permit and inspection before they can be connected to the utility company, misleading information about government incentives, rebates, insurance requirements, tax credits.

Moreover, while the two sales Representatives were in my house they were trying to sale me an Air condition system, and a heating system. But I refused it. However, XXXX XXXX, notice that I did not have a Fence. XXXX XXXX offered to install a fence while I waited for my new roof. He assured me that no permit was needed, and the cost would be {$8000.00}.

1. I paid him {$5000.00} upfront, and he brought fence materials the next day.

2. On Saturday, he and XXXX XXXX began installing the fence but left it unfinished due to equipment needs. 
Unexpected Request for More Money : Later that day, XXXX contacted me urgently, claiming it was essential. He asked for the remaining amount because he needed to pay his mortgage by the next day.

Trusting his honesty and considering his role in my roof project, I gave him an additional {$3000.00}.

Unfulfilled Promises : Despite his assurances, the fence remains incomplete, leaving me waiting for its completion.

On many occasions, he will come by and visit and engage in conversation relating to my XXXX XXXX  I received from the Veteran Administration. He keeps pressuring me to revere how much money I received and how much money I have in the bank, etc. He made me feel very uncountable. XXXX XXXX, did not complete the fence project without making any efforts or arrangements to cure the injuries he caused me and/or reimburse the stolen money. As your sale representative, your company is liable under the doctrine of XXXX XXXXthe people at the top of these organizations are responsible for the actions of those in their employ. 
XXXX XXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXX XXXX entered into Sales and Installation Agreements with Me. Your company did not provide Me with a separate written statement containing the information and disclosures mandated by Section 520.23, Florida Statutes in the sale of residential solar systems.

Additionally, the representatives told me that signing on an electronic tablet means that they are authorizing an initial review, or credit check, when the signature is actually for a sales and financing contract. They also requested my driver license claiming it will be used for identification purposes only. The two representatives used high pressure sales tactics that did not allow me for adequate research or comparison shopping. They claim that their offer was for a limited time only, that if I dont sign the contract the price will increase {$10000.00} or maybe {$20000.00} more.

Representatives who went to My homes to sell your company services did not first obtain valid home solicitation permits as required by Section 501.022, Florida Statutes, which is a part of what is known as the Florida Home Solicitation Statute ( Sections 501.021-501.055, Florida Statutes . They action or inaction for not having a Solicitation permit is in violation of such law. The Florida Home Solicitation Sale Act, Sections 501.021 501.055, Florida Statutes, prohibits misrepresentations in homes solicitation sales and requires sellers to obtain a license and to provide certain disclosures and terms to buyers.

Therefore, pursuant to section 501.203 ( 3 ) ( c ), a violation of the Home Solicitation Sale provisions constitutes a violation of FDUTPA. 
XXXX XXXX XXXX XXXX, Contractor ; XXXX XXXX, Sale Representative ; XXXX XXXX XXXX XXXX XXXX, Contractor ; XXXX XXXX, Sale Representative ; XXXX XXXX XXXX, Contractor ; violated the Home Solicitation Sale Act, Sections XXXX, XXXX, and XXXX, Florida Statutes, by failing to ensure that all employee sales representatives, independent contractor sales representatives, and third-party sales organizations who engaged in home solicitation sales on their behalf obtained and displayed their permits required by Section 501.022 and left a business card, contract, or receipt that included the Buyers Right to Cancel and the salespersons and companys names, addresses and telephone numbers. 
XXXX XXXX XXXX XXXX, Contractor ; XXXX XXXX XXXX XXXX XXXX, Contractor ; XXXX XXXX XXXX, Contractor ; also violated Section 501.047, Florida Statutes by its sales representatives material misrepresentations made during the home solicitation sales in order to induce homeowners to enter into Sales and Installation Agreements for the purchase and installation of solar systems.

Third-Party Lenders I was told that Federal law required to enter into financing agreements with third-party lenders in order to finance the costs of my new solar system and to receive all federal encentive. As XXXX XXXX XXXX XXXX XXXX had previously established relationships and rates with specified third-party lenders, their sales representatives had a variety of financing programs, with assorted terms and interest rates, to offer Me. The sales representatives used the consumers electric bill to shop for financing terms wherein the consumers monthly payment for the solar system would be less than my electric bill.

For the purpose of inducing Me to enter into Sales and Installation Agreements, the sales representatives of XXXX XXXX XXXX XXXX XXXX  misrepresented financing costs, including the actual interest rate charged and the cost to buy down the interest rate, in order to make my monthly payment for residential solar system and/or new roof equal or less than the present electric bill. The XXXX XXXX XXXX XXXX XXXX XXXX Representative failing to disclose that once I financed the residential solar system and/or new roof I will have to paid finance charges, interest, and a program fee of approximately 0.01 - 45 % of the total contract price. 
XXXX XXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXX XXXX and Contractor XXXX XXXX XXXX, XXXX. XXXX XXXX, entered into Sales and Installation Agreements with me. Your company or representative did not provide me with a separate written statement containing the information and disclosures mandated by Section 520.23, Florida Statutes in the sale of residential solar systems.

Florida Statutes, establishes that a violation of FDUTPA may be based upon any law, statute, rule, regulation, or ordinance which proscribes unfair methods of competition, or unfair, deceptive, or unconscionable acts or practices.

Part II, Chapter 520, Florida Statutes governs the sale and lease of residential solar systems. 520.20-26, Florida Statutes . Section 520.23, Florida Statutes mandates that sellers of residential solar systems provide purchasers with a written statement printed in at least 12-point type that is separate from the sales and installation agreement. The written statement is required to be separately acknowledged by the buyer and contain twenty-nine ( 29 ) specific disclosures including, but not limited to, the identity and license of the contractor, total costs, finance charges, payment schedules, applicable tax rebates, assumptions used to calculate savings estimates, system design assumptions, performance or production guarantees, approximate start and completion dates, maintenance and repairs required, warranty or maintenance obligations, requirements for interconnecting the system to the utility system, and disclosures relating to the filing of an UCC-1. In soliciting and finalizing the terms of the sale, XXXX XXXX XXXX XXXX XXXX and Contractor XXXX XXXX XXXX, never provided me with a separate written statement containing the twenty-nine ( 29 ) specific disclosures mandated by Section 520.23, Florida Statutes .

In fact, the only mandated disclosure XXXX XXXX XXXX XXXX XXXX provided to me was the three day right to rescind set forth in Subsection 520.23 ( 12 ) that was included in the Solar sale agreement. In that the purchasers were solicited and sold residential solar systems without the written disclosures mandated by Section 520.23, Florida Statutes, the consumer purchasers were not informed of, and did not receive, the statutory protections afforded to purchasers of residential solar systems under Part II, Chapter 520, Florida Statutes. XXXX XXXX XXXX XXXX XXXX  failure to provide me with the specific disclosures mandated in Section 520.23, Florida Statutes constituted an unfair and deceptive trade practice in violation of FDUTPA. 
As a result of XXXX XXXX XXXX XXXX XXXX failure to provide the statutorily mandated disclosures, I suffered harm as I was : a. Uncertain as to the identity and license of the contractor ; b. Confused as to the contracting party ; c. Misled about material details of their purchase ; d. Unaware of the total cost, finance charges, and payment schedules ; e. Uncertain as to how the calculated energy saving was calculated.

f. Not provided with any performance or production guarantees ; g. Not given approximate start and completion dates ; and h. Misled as to the quality and timing of performance.

The sales representatives XXXX XXXX, of XXXX XXXX XXXX XXXX XXXX presented to me with agreements and solicited My electronic signatures on the sales representatives handheld devices. In some instances, the sales representatives emailed me an internet link to sign the Sales and Installation Agreements. In either case, the Sales and Installation Agreements were executed while the sales representatives were still in the my homes with little to no time for me to review the agreements before executing them. The Installation Agreements did not include the required written statement explaining the consumers rights under the Florida Homeowners Construction Recovery Fund as provided in Section 489.1425, Florida Statutes.

While in my homes, the sales representatives XXXX XXXX, of XXXX XXXX XXXX XXXX XXXX  took photographs of my Florida Driver License that they later provided to the office staff of XXXX XXXX XXXX XXXX XXXX  The office staff of XXXX XXXX XXXX XXXX XXXX subsequently used the information from my Florida Driver License photo identifications to notarize legally required documents they did not witness, such as the Notices of Commencement and Termination. Using a signatures and name that erroneously was created naming me as XXXX XXXX to create these contracts [ I was never provided a new contract with my correct and legal name XXXX XXXX XXXX ] that was copied from documents I allegedly signed and applied, without my authorization, to documents I had never seen, including Sales and Installation Agreements, financing agreements, and Notices of Commencement and Termination.

For example the Notarized Notice of Commencement dated XX/XX/XXXX, notarized by Notary Public XXXX XXXX XXXX, declared that The foregoing instrument was acknowledge before me by means of physical present that is false because I never appear before said Notary Public. The office staff of XXXX XXXX XXXX XXXX XXXX or/and Contractor has disclosed personal information pertaining to my motor vehicle records, which I believe is in direct violation of the Driver 's Privacy Protection Act of 1994 ( DPPA ), specifically outlined in 18 USC 2721-2725 . This constitutes fraudulent action and criminal in nature and any supposed contract is therefore void, ab initio. Therefore, there is no meeting of the minds, and no valid contract. Any supposed contracts are therefore void, ab initio.

An other act of fraud, included Contractor XXXX XXXX XXXX, who falsified to the third-party lenders the status of the solar system installations in order to receive immediate funding of the loans. Based upon the false representations of Contractor XXXX XXXX XXXX, the third-party lenders funded a loans to XXXX XXXX XXXX XXXX XXXX for systems that were not operational, were not completed, or were not completely installed.

It is my contention that the loan was prematurely funded by the third-party lenders, making me contractually obligated to begin making monthly payments to the lenders regardless of whether or not the solar systems was not delivered operational.

Your company Sale Representative, by making the following misrepresentations and false statements of material facts to Me during sales visits to My homes : a ) XXXX XXXX XXXX XXXX XXXX had several years of experience in the solar industry with a great reputation and satisfied customers ; b ) XXXX XXXX XXXX XXXX XXXX would arrange for all necessary permits c ) XXXX XXXX XXXX XXXX XXXX  could complete the installation faster than its competitors because of its access agreements with suppliers ; d ) XXXX XXXX XXXX XXXX XXXX would provide a system capable of being connected to the local utilitys grid within weeks ; e ) The solar systems, as XXXX XXXX XXXX XXXX XXXX installed them, would interconnect with the electric grid, with cooperation from their respective electric service providers, so that I would receive the benefit of no monthly electric bill, a significantly reduced monthly electric bill, or a monthly profit from net metering ; f ) The solar systems, as XXXX XXXX XXXX XXXX XXXX installed them, would entitle to a federal tax incentive or credit, in the amount of 25 % - 30 % of the contract price that could be used to pay down the principal of the solar loan, to keep the monthly payment amounts from increasing ; g ) XXXX XXXX XXXX XXXX XXXX would reimburse all solar loan payments that I was obligated to pay until their systems were operational ; h ) and XXXX XXXX XXXX XXXX XXXX guaranteed a twenty-five ( 25 ) year warranty on workmanship and a twenty-five ( 25 ) year production warranty on the solar panels.

These misrepresentations of material facts were deceptive, were known, or should have been known by XXXX XXXX XXXX XXXX XXXX to have been deceptive and were made for the purpose of inducing Me to enter Sales and Installation Agreements with you company. 
The agreements refer to XXXX XXXX XXXX XXXX XXXX as Contractors. As such, I was confused as to which company I contracted with and believed the contracting party to be XXXX XXXX. After inducing Me into entering Sales.

The Failure to fully install my solar systems; Failed to make my solar system capable of connecting to the grid ; and failed to provide me with a Solar system that have the ability to generate electricity. At all times relevant hereto, Contractor XXXX XXXX XXXX knew, or should have known, that their conduct by and through XXXX XXXX XXXX XXXX XXXX would harm, has harmed and continues to harm me in that the premature notice to the lenders that the installations had been completed would trigger funding of the loans obligating me to pay on their loans before their systems were fully installed and inspected. The system was not connected to XXXX XXXX until XXXX XX/XX/XXXX. Take a look of a letter send to me by XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear XXXX XXXX, We have completed the process for interconnecting your renewable generator located at XXXX XXXX XXXX XXXX. The bi-directional meter was reprogrammed remotely for solar on XX/XX/XXXX and you are now able to energize the solar or renewable generation system. 
XXXX XXXX XXXX XXXX XXXX  failed to timely perform, I was obligated to begin the loan repayments before their solar systems were operational which left the me paying both my electric bill and the loan payment for a non-functioning solar system. As a direct results, I have my home electric cut by XXXX XXXX. Because I was relying that my Solar Panel will generate the necessary energy to cover my need. But the panel did not generate and is not generating the correct amount of energy causing me to paid almost {$700.00} a month for the two bills.

Contractor XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX are subject to civil penalties for willful violations of FDUTPA in the amount of XXXX XXXX Dollars ( {$10000.00} ) for each violation pursuant to Section 501.2075, Florida Statutes, and XXXX XXXX Dollars ( {$15000.00} ) for each violation that victimized, or attempted to victimize, a senior citizen or XXXX person, pursuant to Section 501.2077, Florida Statutes. Contractor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have willfully engaged in the unfair and deceptive acts and practices alleged herein and knew, or should have known, that the acts and practices alleged herein were and are unfair, deceptive, unconscionable, and prohibited by law.

As a result, I no longer wish to be bound by the terms and conditions of the contract, and I request that my signature be invalidated and removed from all copies of the contract in your possession and the possession of XXXX XXXX XXXX. Additionally, I hereby declare those contracts null and void ab initio due to the aforementioned misrepresentation and fraud.

I have enclosed copies of relevant documentation, including correspondence, contracts, and any other evidence supporting my claim of misrepresentation and fraud. I kindly request that you acknowledge receipt of this letter and confirm in writing that my signature has been removed from the contract and that it has been canceled.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief