Consumer complaint received 2025-12-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Solar Mosaic LLC
State: CA

Complaint narrative:
I am submitting this complaint regarding inaccurate and misleading credit reporting by Solar Mosaic LLC ( or its successor/servicer ), acting as the furnisher of information for a solar loan that is actively disputed and whose legal enforceability is unresolved. 

This complaint does not seek rescission through bankruptcy proceedings. Instead, it concerns ongoing violations of federal credit reporting obligations, including failure to conduct a reasonable investigation and continued reporting of disputed information as accurate. 
The loan at issue was originated to finance a residential solar installation performed by XXXX XXXX. The loan was induced by representations that : XXXX. The solar system would meet a stated XXXX XXXX, and XXXX. System performance could be accurately measured and verified. 

These representations were material to my decision to enter into the loan. 

Subsequently, the installer admitted in writing that : The system was not fully activated Required switches were left off A mandatory activation visit had not occurred The installer intentionally shut down the system No safety issue existed at the time of shutdown As a result : Production data is unreliable Contractual performance can not be validated The system has not delivered the promised benefit The factual basis for enforcing the loan is disputed Dispute and Prior CFPB Complaint I previously submitted a CFPB complaint raising these issues. Mosaics response relied exclusively on its Chapter XXXX bankruptcy status, asserting that it lacked authority to modify the loan and that a proof-of-claim deadline had passed. 

Importantly, Mosaic did not deny or rebut any of the substantive facts raised, including : Material misrepresentation at origination Installer-confirmed defects Incomplete activation System shutdown Inability to validate guaranteed performance Instead, Mosaic avoided the merits entirely. 



Current Credit Reporting Violations Despite having actual notice of these disputes and documented defects, Mosaic continues to furnish credit information that represents the loan as valid, enforceable, and accurately reported. 

This conduct raises serious concerns under the Fair Credit Reporting Act ( FCRA ), including but not limited to : Failure to conduct a reasonable investigation after receiving notice of dispute Furnishing information without sufficient evidence of accuracy Failing to reflect the disputed and uncertain legal status of the obligation Continuing to report information that may be materially misleading Bankruptcy status does not relieve a furnisher of its ongoing duty to ensure that credit reporting is accurate, complete, and not deceptive. 

This complaint does not seek damages, rescission, or modification of the loan through bankruptcy proceedings. Rather, it concerns post-confirmation credit reporting conduct, which remains subject to federal consumer protection laws.

Company response to consumer: Closed with explanation