Consumer complaint received 2025-07-15 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Solar Mosaic LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Formal Complaint Against XXXX XXXX XXXX and Solar Mosaic LLC for Violations of FDCPA, FCRA, and TILA Dear Consumer Financial Protection Bureau XXXX I am writing to file a formal complaint against National Recovery XXXX XXXX XXXX ) and Solar Mosaic LLC due to multiple violations concerning debt collection and credit reporting practices, which infringe upon my consumer rights under federal law. 

Failure to Validate Debt : Under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g ( b ), debt collectors are required to validate a debt upon the consumer 's request before continuing collection activity. Despite my request on XX/XX/year>, XXXX failed to provide this validation and continued their collection efforts, reporting the debt to the credit bureaus without verification. 

Reporting Inaccurate Debt Information : The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, mandates that entities reporting to credit bureaus must ensure the accuracy and completeness of the information. XXXX reported an inaccurate collection account to my credit report on XX/XX/year>, without any prior validation or notification, which contravenes FCRA obligations. 

Misrepresentation and Lack of Notification by Solar Mosaic LLC : Solar Mosaic LLC violated the Truth in Lending Act ( TILA ), 15 U.S.C. 1601 et seq., which requires explicit disclosure of credit terms. They misrepresented the eligibility and process for federal tax credits, falsely indicating that these credits would reduce my loan amount. Additionally, I received no notification from Solar Mosaic regarding the delinquency of my account or their decision to forward it to collections, depriving me of the opportunity to resolve the issue before it escalated. 

Discrepancy in Collection Reporting : I received a letter from XXXX regarding the intended collections on XX/XX/year>. However, it was reported to my credit report on XXXX a month earlierwithout my knowledge or consent. This discrepancy further illustrates the violation of consumer rights under the FCRA ( a copy of the date the collection account was opened is attached ). 

Deceptive Business Practices : The conduct of both XXXX and Solar Mosaic LLC may constitute unfair or deceptive acts or practices under the Federal Trade Commission Act, 15 U.S.C. 45 ( a ), by misleading consumers regarding the terms and benefits of their financial obligations.

Request for Compensation : Due to the violations of my consumer rights and the resulting financial and emotional distress caused by these entities, I am seeking compensation for damages incurred. This includes but is not limited to, the adverse impact on my credit score, time spent resolving these issues, and the stress caused by misleading and illegal practices.

I request that the CFPB : 1. Investigate these companies for violations of the FDCPA, FCRA, and TILA.

2. Demand the immediate removal of the inaccurate collection record from my credit report by XXXX. 
3. Require Solar Mosaic LLC to provide the promised documentation for federal tax credits and enforce compliance with consumer notification standards.

4. Facilitate measures for appropriate compensation for the violations and damages mentioned above. 

These actions are necessary to correct inaccuracies on my credit report and address the misleading practices that affect my financial standing. Enclosed are all relevant documents, including my communications with XXXX and Solar Mosaic LLC. 

Thank you for your immediate attention to this matter. I look forward to a resolution that upholds the integrity of consumer protection laws, rectifies the impact on my financial situation, and compensates for the damages incurred. 

Sincerely, XXXX

Company response to consumer: Closed with explanation