Consumer complaint received 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Sunnova Energy Corporation
State: MA

Complaint narrative:
Complainant : XXXX XXXX XXXX XXXX XXXX # XXXX XXXX  MA XXXX XXXX XXXX Company Names : XXXX  XXXX XXXX XXXX XXXX. 
Sunnova Energy Corporation Product : Credit Reporting Incorrect information on credit report Problem : Improper reporting of late payments, missing required fields, and non-compliance with XXXX XXXX data standards. 
XXXX Complaint Narrative : On my XXXX  credit report dated XX/XX/year>, Sunnova Energy Corp is reporting an account ( Account No. XXXX ) with XXXX late payments and a balance of {$33000.00} ( original ), marked Paid Off. However, the reporting contains numerous material inaccuracies, omissions, and contradictions that violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and XXXX XXXX reporting standards. 
I have attached my direct dispute letter to Sunnova ( furnisher ) and my FCRA XXXX dispute letter to Experian. The specific issues include : XXXX. Missing Payment History & DOFD No month-by-month payment codes or Date of First Delinquency provided, making the late payments unverifiable. 
XXXX. Paid-Off Status Without Payoff Date The account is marked Paid Off but with no closure or payoff date. 
XXXX. Blank Balance Fields Current Balance shows as instead of {$0.00}, and Amount Past Due is not provided despite late payment claims. 
XXXX. Duplicate Entries Same incomplete Sunnova account appears multiple times in my Experian file. 
XXXX. Account Type Misclassification Listed as Utility despite the loan-like structure and large original balance. 
XXXX. Missing Update Dates Balance updated date is blank. 
XXXX. Missing Furnisher Contact Info No address or phone for Sunnova in the credit report. 
XXXX. Re-Aging Risk No DOFD or closure date means the account could be re-aged beyond the XXXX limit. 
XXXX. XXXX XXXX Data Field Non-Compliance Multiple missing required fields under the XXXX XXXX format. 
XXXX. Failure to Assure Maximum Possible Accuracy Violates FCRA 1681e ( b ).

Impact : This inaccurate reporting is damaging my credit score and misrepresenting my credit history. I have already sent disputes to both Experian and Sunnova under FCRA 611 and 623 ( a ) ( 8 ), but I am concerned about ongoing violations and the failure to follow industry reporting standards. 
Relief Sought : Immediate deletion of the Sunnova account from all credit reporting agencies, OR full correction to comply with XXXX XXXX standards and FCRA requirements. 
Written confirmation from both XXXX  and Sunnova. 
Assurance that this account will not be re-aged or re-reported without full compliance. 
Attachments : XXXX  dispute letter ( FCRA 611 ) Sunnova dispute letter ( FCRA 623 ( a ) ( 8 ) ) Credit report excerpt showing inaccurate tradeline XXXX XXXXXXXX XXXX XXXX XXXX XXXXt Sunnova Energy Corp XXXX Name / Number Exact Error XXXX XXXX Standard / FCRA Law Violated Why Violation ( Accuracy / Completeness / Consistency ) Payment History Profile ( Field XXXX ) No month-by-month payment codes provided despite claim of XXXX late payments XXXX XXXX Field XXXX XXXX FCRA 623 ( a ) ( 5 ), 1681e ( b ) Prevents verification of delinquencies ; incomplete payment history violates XXXX XXXX Date of First Delinquency ( Field XXXX ) Missing DOFD entirely FCRA XXXX ( a ) ( XXXX ) ; XXXX XXXX Field XXXX XXXX to determine XXXX reporting limit ; omission allows illegal re-aging Account Status ( Field XXXX ) / Date Closed ( Field XXXX ) Marked 'Paid off ' with no closure or payoff date XXXX XXXX Field XXXX & XXXX ; FCRA 1681e ( b ) Status/date mismatch prevents determining when delinquency ended Current Balance ( Field XXXX ) / Amount Past Due ( Field XXXX ) Current balance is " instead of {$0.00} ; Amount Past Due missing XXXX XXXX Field XXXX & XXXX Blank balance fields are inaccurate ; past due must be {$0.00} if balance is {$0.00} Base Segment Creditor Contact Information No furnisher address or phone number listed FCRA 609 ( a ) ( XXXX ) ; XXXX XXXX Base Segment Consumers must be able to contact furnisher to dispute Account Type ( Field XXXX ) Reported as 'Utility ' despite large loan-like balance XXXX XXXX Field XXXX ; FCRA 1681e ( b ) Misclassification can mislead lenders and scoring models Date of Account Information ( Field XXXX ) 'Balance updated ' date blank Metro XXXX Field XXXX ; FCRA 1681e ( b ) Missing update date prevents determining currency of data Duplicate Tradeline Rule Same Sunnova account repeated multiple times without full details XXXX XXXX prohibition on duplicate tradelines ; FCRA 1681e ( b ) Misleads lenders into thinking there are multiple delinquent accounts FCRA Maximum Possible Accuracy Standard Multiple blank, contradictory, and incomplete fields FCRA 1681e ( b ) If data is unverifiable or incomplete, it must be deleted

Company response to consumer: Untimely response