Consumer complaint received 2025-12-25 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: Solar Mosaic LLC
State: CA

Complaint narrative:
Against : Mosaic / Solar Mosaic LLC Loan Number : XXXX Issue Type : Credit reporting inaccuracies/ misleading furnishing Desired Resolution : Deletion or cessation of reporting until enforceability is resolved Complaint Summary I am submitting this complaint regarding misleading, inconsistent, and improper credit reporting by Mosaic in connection with a home improvement loan that remains subject to unresolved contractual, regulatory, and bankruptcy-related issues. 

Mosaic is currently furnishing information to credit reporting agencies in a manner that is materially misleading, internally inconsistent across bureaus, and inconsistent with Mosaics own representations regarding authority and project completion. 



Factual Background 1. Loan and Project Status Loan Number : XXXX Opened : XX/XX/XXXX Purpose : Solar installation The underlying solar project has suffered from documented activation, configuration, and production issues, which remain unresolved. 
A complaint related to the contractor and project performance is pending with the California Contractors State License Board ( CSLB ).

2. Bankruptcy Context Mosaic has represented that it is operating under XXXX XXXX  bankruptcy, with authority vested in a plan ad

ministrator / trustee.

Mosaic has previously asserted limitations on its authority to act due to the bankruptcy process.

3. Active and Inconsistent Credit Reporting Despite the above, Mosaic continues to actively report the loan as a standard, fully enforceable consumer installment obligation : XXXX  Status last updated : XX/XX/XXXX Verified after dispute : XX/XX/XXXX No bankruptcy notation No dispute notation XXXX Status updated : XX/XX/XXXX Balance updated : XX/XX/XXXX Last payment reported : XX/XX/XXXX Status : Paid or paying as agreed No bankruptcy notation No trustee or plan administrator notation No dispute notation The same account is therefore being furnished differently across credit bureaus, while Mosaic certifies accuracy to each bureau. 



Basis of Complaint Mosaics credit reporting is materially misleading, even if certain data points are technically accurate, for the following reasons : 1. Inconsistent Furnishing Across Bureaus The account shows materially different update timelines and representations across XXXX XXXX XXXX 
This undermines the reliability of Mosaics verification process.

2. Omission of Material Context Mosaic fails to disclose : Ongoing contractual disputes Pending regulatory complaints Bankruptcy administration context These omissions materially affect how a reasonable creditor would interpret the tradeline. 
3. Improper Certification of Accuracy Mosaic is actively certifying the accuracy of the tradeline while simultaneously asserting limited authority due to XXXX XXXX proceedings. 
If Mosaic lacks authority to act substantively, it lacks authority to certify ongoing enforceability through credit reporting. 
4. Dispute Handling Deficiencies Prior disputes were marked verified without meaningful correction, despite unresolved issues and continued reporting inconsistencies.

This raises concerns regarding the reasonableness of Mosaics investigation under the FCRA. 



Harm Caused The tradeline materially impacts my credit profile and underwriting decisions. 
Creditors reviewing my report are presented with an incomplete and misleading picture of the loans status and enforceability. 
I am forced to repeatedly dispute the same tradeline without substantive resolution.

Company response to consumer: Closed with explanation