Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Solar Mosaic LLC
State: TX

Complaint narrative:
I entered into a solar financing agreement with Solar Mosaic , XXXX in XXXX. Solar Mosaic filed UCC-1 Financing Statement XXXX. XXXX with the Texas Secretary of State on XX/XX/XXXX, listing themselves as the secured party against my property. That filing lapses XX/XX/XXXX. XXXX XXXX XXXX is now asserting a payoff demand of {$73000.00} and has communicated this claim to my title company as a condition of closing on the sale of my home, effectively blocking my ability to transfer clear title and sell my property. However, a search of the Texas Secretary of State UCC public records confirms that XXXX XXXX XXXX is not the named secured party on UCC Filing No. XXXX. The secured party of record remains Solar Mosaic , Inc . There is no XXXX amendment on file with the Texas XXXX XXXX Solar Mosaic 's security interest to XXXX XXXX XXXX XXXX XXXX therefore has no perfected security interest in the public record and has not established legal standing to demand payoff or interfere with the transfer of my property title. The UCC filing was also never properly perfected as a fixture filing against real property. Boxes 13 and 14 on the original UCC-1 Financing Statement which designate fixture filing status and real estate records filing are both unchecked. No corresponding filing exists in XXXX XXXX, Texas real property records. The collateral description in the filing itself explicitly states the collateral is intended to be classified as personal property and explicitly excludes fixtures as defined under Article 9 of the UCC. I also have in my possession a Solar Mosaic UCC fixture filing against a different borrower 's property that is properly stamped as a fixture filing and filed in county real property records demonstrating that Solar Mosaic knew exactly how to perfect a fixture filing and did not do so for my property in Texas. Solar Mosaic filed for XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX. XXXX, in the XXXX XXXX XXXX XXXX XXXX The plan was confirmed XX/XX/XXXX and became effective XX/XX/XXXX. Consumer loan portfolios were sold through a court-supervised XXXX sale. Under 11 U.S.C. 363 ( o ), any purchaser of a consumer credit transaction through a bankruptcy sale takes it subject to all consumer claims and defenses. XXXX XXXX XXXX appears on the list of the 30 largest unsecured creditors in the Mosaic bankruptcy, confirming their involvement. Despite this, there is no XXXX amendment in the Texas public record documenting a formal assignment of the security interest from Solar Mosaic to XXXX. Additionally, this account was previously removed from my consumer credit profile pursuant to FCRA 605C, which provides protections for survivors of human trafficking. XXXX 's continued enforcement of this obligation using an improperly assigned and improperly perfected UCC claim to block the sale of my primary residence constitutes ongoing financial harm arising from the circumstances that gave rise to my protected status. XXXX has not provided debt validation including the original signed contract, the complete chain of assignment from Solar Mosaic through the bankruptcy proceedings, or documentation establishing their legal basis for asserting an enforceable security interest as a non-named secured party

Company response to consumer: Closed with explanation