Consumer complaint received 2024-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Sunlight Financial LLC
State: TX

Complaint narrative:
Subject : Urgent Request for Assistance Regarding Fraudulent Solar Installation by XXXX XXXX I am writing to urgently seek your assistance in addressing a fraudulent and distressing situation involving XXXX XXXX, a solar installation company. I believe I have been deceived and taken advantage of, leaving me with a significant financial burden that I did not knowingly agree to. I kindly request your intervention to help resolve this matter. 
In XX/XX/year>, XXXX XXXX XXXX, a representative from XXXX XXXX, persistently contacted me by phone, attempting to sell solar panel installation services for my home. Despite my repeated refusals, XXXX XXXX continued to push for the sale and eventually arrived at my home uninvited. I informed him that I had no knowledge of solar energy systems and that my husband would need to be involved in any decision-making process. 
XXXX XXXX insisted on pulling my credit information, claiming it was necessary to determine my eligibility for solar panels. He sent a document for me to sign, which he explained was solely to gather information from my current electricity provider. Feeling pressured and unfamiliar with the process, I signed the document, assuming it was only to assess my eligibility. 
However, several false, unethical, and potentially illegal actions followed : 1. False promises : XXXX XXXX assured me the installation was free and consisted of XXXX panels. 
2. Undisclosed loan : He failed to disclose a loan and instead stated I would receive a bill from the solar company, replacing my current electricity bill. I was led to believe my only expense would be {$130.00} per month for 25 years. However, I am now faced with a {$58000.00} loan, reported on my credit, with payments of {$130.00} for 16 months and {$190.00} thereafter. 
3. Government coverage : He falsely claimed that the government would cover the cost of installation, and my only responsibility would be the monthly {$130.00} payment. 
4. Unauthorized installation : Only XXXX panels were installed, without my knowledge or consent. 
5. Property damage : They broke into my home, damaged the breaker switch system, and installed their own electrical switches.

6. Restricted access : The breaker switches were sealed without my permission, preventing my control over them.

7. Unauthorized equipment installation : Rings were added to the panel without my consent. 
8. Threats : When I asked for the removal of the panels, XXXX XXXX threatened me with jail time and a {$4000.00} penalty. 
9. False tax rebate claim : He promised a {$10000.00} tax rebate over three years, which I have reason to believe is not legitimate. Its been 3 months and no solar is working while I was promised it would work within 1 month. 
10. Exploitation of lack of knowledge : XXXX XXXX took advantage of my limited understanding of the offer and proceeded with the installation without my permission. 
To my shock and dismay, I returned home to find the solar panels installed without any further communication or consent from me. Soon after, I received a bill for {$58000.00} from Sunlight Financial for the solar installationa cost I never agreed to and can not afford. I am now receiving threats of financial ruin and damage to my credit if I fail to make payments. 
I feel that I have been deeply deceived and manipulated by XXXX XXXX and XXXX XXXX high-pressure sales tactics. I did not knowingly enter into any agreement with them, nor was I made aware of the full implications of the documents I was signing. The entire process lacked transparency, and I was not given the opportunity to fully understand or review what I was committing to. 
I am now facing an enormous financial burden and potential damage to my credit for a product and service that I never requested or wanted. I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) investigate XXXX XXXX 's actions, as I believe they have engaged in fraudulent and predatory practices. I am seeking your help in canceling this unauthorized installation, stopping the threats to my credit, and ensuring that I am not held liable for this unjust debt. 
Thank you for your time and attention to this urgent matter. I sincerely appreciate any guidance or assistance you can provide in helping me resolve this distressing situation

Company response to consumer: Closed with explanation