SUSAN C. BUCKLEW United States District Judge

ORDER

This cause comes before the Court on two motions: (1) the Vivint Defendants' Motion for Summary Judgment (Doc. No. 67), which Plaintiffs oppose (Doc. No. 140); and (2) Solar Mosaic's Motion for Summary Judgment (Doc. No. 70), which Plaintiffs oppose (Doc. No. 141). As explained below, the motions are granted in part and denied in part. I. Standard of Review

Summary judgment is appropriate "if the movant shows that there is no genuine dispute as to any material fact and the movant is entitled to judgment as a matter of law." Fed. R. Civ. P. 56(a). The Court must draw all inferences from the evidence in the light most favorable to the non-movant and resolve all reasonable doubts in that party's favor. See Porter v. Ray, 461 F.3d 1315, 1320 (11th Cir. 2006)(citation omitted). The moving party bears the initial burden of showing the Court, by reference to materials on file, that there are no genuine issues of material fact that should be decided at trial. See id. (citation omitted). When a moving party has discharged its burden, the non-moving party must then go beyond the pleadings, and by its own affidavits, or by depositions, answers to interrogatories, and admissions on file, designate specific facts showing there is a genuine issue for trial. See id. (citation omitted). II. Background

Plaintiffs Jerard Brown and Elizabeth Cardona bring this lawsuit alleging violations of the Fair Credit Reporting Act ("FCRA") by Defendants. Defendant Vivint Solar, Inc. is the parent company of Defendant Vivint Solar Developer, LLC (collectively referred to as "Vivint"), and they sell solar panels. Defendant Solar Mosaic, Inc. ("Mosaic") is a financing company that finances solar energy systems.

Vivint's door-to-door salesmen go to potential customers' houses to attempt to sell Vivint's solar panels. These salesmen have iPads with them, on which a potential customer can access Mosaic's online credit application to apply for financing for the purchase of Vivant's solar panels. Plaintiffs contend that Vivint's salesmen came to their houses and completed Mosaic's online credit application in Plaintiffs' names without Plaintiffs' knowledge or consent. Thus, Plaintiffs contend that all three defendants acted together through Vivint's door-to-door salesmen to obtain Plaintiffs' credit reports under false pretenses and without any permissible purpose or authorization. Furthermore, such credit inquiries initially resulted in "hard" inquiries on Plaintiffs' credit reports, and a "hard" inquiry can negatively affect a person's credit score.

Plaintiffs contend that the reason Vivint's salesmen might submit an unauthorized credit application is to meet Vivint's sales goals. For example, a current Vivint District Manager, Briant Katilus, who has worked for Vivint since 2014 (in Florida for parts of 2016 and 2017), stated that district managers would set goals for their salespeople, such as the number of accounts created. (Doc. No. 67-15, depo. p. 19-21, 109). An account is considered created when a homeowner's credit is checked and they qualify for a loan to buy Vivant's solar panels. (Doc. No. 67-15, depo. p. 109-10).

A. Plaintiff Elizabeth Cardona

Cardona contends that on January 23, 2017, Vivant's door-to-door salesman, Ricardo Martins, came to her house and told her he was selling solar panels. (Doc. No. 126-18, depo. p. 28, 38-39). Cardona was planning to replace her roof, so she listened to Martins, because she wanted some basic information about solar panels and information to compare solar companies. (Doc. No. 126-18, depo. p. 40-45).

Martins asked for Cardona's email address so he could send her a proposal. (Doc. No. 126-18, depo. p. 44). Cardona gave Martins her phone number and email address, but Martins added an extra "0" to her email address, recording it incorrectly. (Doc. No. 126-18, depo. p. 48-50; Doc. No. 126-2, ¶ 11). Plaintiffs contend that Martins altered her email address so that she would not receive any email revealing that he had submitted a credit application in her name.

Martins told Cardona that there were financing options available for the purchase of Vivint's solar panels, but he did not specifically identify Mosaic. (Doc. No. 126-18, depo. p. 45- 46, 90-91). Cardona responded that if she decided to get solar panels, she would pay cash. (Doc. No. 126-18, depo. p. 45-46, 91). Cardona never filled out the consent form to allow Vivint or Mosaic to check her credit, nor did she provide her Social Security number. (Doc. No. 126-18, depo. p. 47-51; Doc. No. 126-2, ¶ 7-10). Cardona told Martins several times not to check her credit; if she was interested, she would pay cash. (Doc. No. 126-18, depo. p. 93-94; Doc. No. 126-2, ¶ 5-6).

Two hours after Martins left, Cardona was notified that there was a credit inquiry on her credit report. (Doc. No. 126-18, depo. p. 49, 58). Cardona called Martins to ask why he had run her credit after she specifically had stated not to do so. (Doc. No. 126-18, depo. p. 46, 54-56). Cardona also filed a complaint with the Better Business Bureau ("BBB") and reported the incident to the police. (Doc. No. 126-18, depo. p. 56, 62-64; Doc. No. 126-2, Exs. A & B). On October 30, 2018 (almost two years later), Mosaic sent a letter to two of the credit bureaus asking them to covert the hard inquiry into a soft inquiry. (Doc. No. 126-22).

B. Plaintiff Jerard Brown

Brown contends that on September 26, 2017, Vivant's door-to-door salesman, Mitchell Coan, came to Brown's house and spoke with him about solar panels. (Doc. No. 126-19, depo. p. 52-53). Brown did not consider it a sales pitch, because Coan told him that the solar panels could be provided to him at no cost. (Doc. No. 126-19, depo. p. 53-54, 60-61, 97-98, 141). Brown did not tell Coan that he wanted to install solar panels; instead, he just wanted to get information about solar panels. (Doc. No. 126-19, depo. p. 59-60).

Brown provided Coan with his telephone number, email address, birth date, and electric bill. (Doc. No. 126-19, depo. p. 63). Brown did not provide Coan with his Social Security number, he did not sign any forms on Coan's iPad, nor did he consent to submission of a credit application. (Doc. No. 126-19, depo. p. 41, 61-71; Doc. No. 126-1, ¶ 17-19). Coan told Brown that he would come back the next day with a proposal regarding the kind of panels that Brown needed and the money that Brown would save. (Doc. No. 126-19, depo. p. 54).

Immediately after Coan left, Brown was alerted that a credit inquiry had been made by Mosaic. (Doc. No. 126-19, depo. p. 51, 55, 61, 73, 76). This was the first time that Brown had heard of Mosaic, as opposed to Vivint. (Doc. No. 126-19, depo. p. 134-35). Brown then called Coan and Vivint to tell them that he had not given them permission to check his credit. (Doc. No. 126-19, depo. p. 78-79). Brown later filed a complaint with the BB against Vivint. (Doc. No. 126-19, depo. p. 89-90; Doc. No. 126-1, Ex. A). He also contacted Mosaic. (Doc. No. 126-19, depo. p. 91).

Brown ended up contacting Vivint and Mosaic many times trying to get the hard credit inquiry removed from his credit report. (Doc. No. 126-19, depo. p. 156-58). The credit inquiry was initially a hard inquiry, but on February 23, 2018, Mosaic sent letters to two credit bureaus asking that the hard inquiry be changed to a soft inquiry. (Doc. No. 126-19, depo. p. 27, 29, 83-84, 102; Doc. No. 126-1, ¶ 16; Doc. No. 126-23).

C. Vivint and Mosaic's Knowledge of Unauthorized Credit Checks

Plaintiffs submitted evidence of Vivint and Mosaic's knowledge that many people had been complaining about unauthorized credit inquiries run by Mosaic after Vivint's salesmen had come to their houses. (Doc. No. 126-28). A prior employee of Vivint that had worked in various customer service departments from July of 2013 through January of 2016 stated that he commonly received calls from people complaining that Vivant checked their credit without their consent. (Doc. No. 126-32, depo. p. 10-12). Furthermore, between January 1, 2016 and December 31, 2017, Equifax had 580 consumer disputes regarding credit inquiries from Vivint and Mosaic in Florida. (Doc. No. 126-24, ¶ 2-4).

By January 4, 2017, prior to Plaintiffs' credit inquiries, Mosaic had sent an email to Vivint stating that an "unauthorized credit pull is a serious issue that has the attention of Senior Legal, Credit, and Compliance officers at Mosaic." (Doc. No. 126-28, p. 22). In that email, Mosaic asked Vivint to provide the following: (1) the results of any investigation and actions taken; (2) what process was in place to address the compliance and fraud alerts that Mosaic forwarded to Vivint when Mosaic got a customer complaint; and (3) whether Vivint had a zero tolerance policy for fraudulent behavior. (Doc. No. 126-28, p. 23).

On January 9, 2017, Mosaic sent another email to Vivint, in which Mosaic noted that it forwarded lots of compliance complaints to Vivint every week and that it was "looking more and more like a systemic issue." (Doc. No. 126-28, p. 19). Mosaic continued: "It's already big, I'm trying to stop it from getting bigger." (Doc. No. 126-28, p. 19).

By March 28, 2017, Mosaic noted that the number of compliance complaints being forwarded to Vivint was "becoming quite numerous." (Doc. No. 126-28, p. 69). Thereafter, in June 2017, Mosaic's representatives spent a day meeting with Vivint to discuss compliance issues, including "a few specific and very egregious" incidents. (Doc. No. 126-28, p. 80).

On July 6, 2017, a representative from Mosaic emailed Vivint regarding Briant Katilus' six compliance issues over a five-month period and stated: "I looked up his total loans and see that Briant does a high volume with Mosaic loans, which of course we appreciate. We just want to make sure no one's engaging in highly non-compliant activity in the process . . . ." (Doc. No. 126-28, p. 88-89). On July 14, 2017, Mosaic sent Vivint a chart detailing the number of customer complaints regarding Vivint, which totaled 581 from February 2016 through July 2017. (Doc. No. 126-28, p. 91-92).

D. Plaintiffs' Complaint

On November 19, 2018, Plaintiffs filed suit against Defendants, in which they assert twelve claims. Plaintiffs each assert a Fair Credit Reporting Act ("FCRA") claim against each of the defendants (Counts I, II, III, VII, VIII, and IX). Additionally, Plaintiffs each assert claims for declaratory relief (asking the Court to declare that Defendants' conduct violated the FCRA) under Florida's Declaratory Judgment Act against each of the defendants (Counts IV, V, VI, X, XI, and XII). III. Motions for Summary Judgment

Both Mosaic and Vivint move for summary judgment on all of the claims asserted against them. Before the Court analyzes the motions, the Court sets forth the applicable FCRA statutes.

First, 15 U.S.C. § 1681b(f) provides the following:

A person shall not use or obtain a consumer report for any purpose unless--
(1) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section; and
(2) the purpose is certified . . . by a prospective user of the report . . . .

Second, § 1681b(a) sets forth permissible purposes for obtaining a consumer report, which include the following two situations relevant to this case: (1) if a consumer gives permission to the person to obtain the consumer report (§ 1681b(a)(2)); or (2) the person seeking the consumer report has a legitimate business need for the information in connection with a business transaction that is initiated by the consumer (§ 1681b(a)(3)(F)).

Third, the penalties for using or obtaining a consumer report without authorization or a proper purpose depend on whether the person acted negligently or willfully. If a person acted negligently, that person is liable to the consumer for the consumer's actual damages, plus costs and attorneys' fees. 15 U.S.C. § 1681o(a). Conversely, if the person acted willfully, that person may be liable to the consumer for the following: (1) the consumer's actual damages, or statutory damages of not less than $100 or more than $1,000; (2) punitive damages; and (3) costs and attorneys' fees. 15 U.S.C. § 1681n(a).

A. Mosaic's Motion for Summary Judgment

Mosaic moves for summary judgment on the FCRA (Counts III and IX) and declaratory judgment (Counts VI and XII) claims asserted against it. Accordingly, the Court will address these claims.

1. FCRA Claims against Mosaic

Mosaic makes several arguments in support of its contention that it is not liable for Plaintiffs' FCRA claims. Accordingly, the Court will address each argument. However, as explained below, the Court finds that genuine issues of material fact exist that preclude summary judgment on Plaintiffs' FCRA claims against Mosaic.

a. Permissible Purpose

Mosaic argues that it did not violate the FCRA by checking Plaintiffs' credit, because it had a permissible purpose to do so. Specifically, Mosaic argues that it received credit applications purporting to be from Plaintiffs, and the FCRA allows Mosaic to check Plaintiffs' credit in connection with a credit application (even if Mosaic did not obtain Plaintiffs' consent to run the credit checks). The flaw in this argument is that Plaintiffs have submitted evidence that they, themselves, did not apply for a loan with Mosaic nor did they authorize anyone else to do so for them. Instead, Plaintiffs contend that Vivint's salesmen applied for credit in Plaintiffs' names without Plaintiffs' knowledge or consent.

Next, Mosaic argues that even if Vivint's salespeople duplicitously applied for credit in Plaintiffs' names and without their knowledge or consent, Mosaic still did not violate the FCRA because it reasonably believed that it had a permissible purpose for checking Plaintiffs' credit—Mosaic contends that it reasonably believed that Plaintiffs themselves had applied for the loans. The law is somewhat unsettled regarding whether the reasonable belief standard applies to lenders facing liability under 15 U.S.C. § 1681b(f), as opposed to credit reporting agencies to which the FCRA specifically sets forth a reasonable belief standard in 15 U.S.C. § 1681b(a)(3). Mosaic has cited an unpublished Eleventh Circuit case in which the court does reference the reasonable belief standard in connection with a claim under 15 U.S.C. § 1681b(f). See Middlebrooks v. Sacor Financial, Inc., 775 Fed. Appx. 594, 598 (11th Cir. 2019). Thus, for the purpose of this motion, the Court will assume that the reasonable belief standard applies.

In further support of this argument, Mosaic cites to the case of Glanton v. DirecTV, 172 F. Supp.3d 890 (D. S.C. 2016). In Glanton, the plaintiff alleged that he was a victim of identity theft, and the perpetrator caused the defendant to make an unauthorized inquiry into the plaintiff's credit. See id. at 892. The defendant moved to dismiss the plaintiff's FCRA claim, arguing that it had a permissible purpose for the credit check. See id.at 895. The court agreed with the defendant and stated that "there is no violation of Section 1618b when a creditor obtains a credit report due to an imposter's application for credit even though the identity theft victim did not make the application." Id. at 896 (citations omitted).

In the instant case, while Plaintiffs may have been victims of identity theft with respect to the loan applications to Mosaic, there is a genuine issue of fact regarding whether Mosaic knew or should have known that there was a possibility that the loan applications were not, in fact, submitted by Plaintiffs. There is evidence before the Court showing that Mosaic knew that there were problems with unauthorized credit checks caused by Vivint's salespeople, and it is for the jury to decide whether such evidence undercuts Mosaic's contention that it had a reasonable belief that it had a permissible purpose for checking Plaintiffs' credit.

b. False Pretenses

Next, Mosaic argues that it cannot be found liable for obtaining Plaintiffs' credit reports under false pretenses, because it was not present when the credit applications were submitted nor did it make any representations to Plaintiffs. Mosaic points out that Plaintiffs only interacted with Vivint's salesmen.

Mosaic and Plaintiffs disagree as to whether Vivint's salesmen were agents of Mosaic for the purpose of facilitating customers in obtaining, and submitting applications for, loans from Mosaic. Plaintiffs point out that Mosaic authorized Vivint and its salespeople to access Mosaic's loan products through Vivint's operating platform on its salespeople's iPads. A Mosaic phone representative told Brown that they allow Vivint's salespeople to submit credit applications on their iPads and that Mosaic has the ability to deactivate a salesperson's account if customers feel that the salesperson is being misleading. (Doc. No. 126-13, p. 5, 8).

Furthermore, Vivint and Mosaic have entered into an agreement whereby each benefit from their relationship. Specifically, Mosaic benefits from Vivint's salespeople selling solar panels and providing Mosaic's loan products to Vivant's customers, enabling Mosaic to obtain loan customers without a Mosaic representative being present during the sale. Likewise, Vivint benefits from their relationship, because Mosaic loans money to Vivint's customers to fund their solar panel purchases, allowing Vivint to make more sales.

Plaintiffs contend that if Vivint's salesmen were Mosaic's special agents for the purpose of facilitating customers in obtaining, and submitting applications for, loans from Mosaic, then the salesmen's knowledge—that they were facilitating Mosaic obtaining Plaintiffs' credit reports without permission, without a permissible purpose, and under false pretenses—could be imputed to Mosaic. The Court cannot decide this agency issue on the record before it; whether a person is an agent of another is normally a question of fact for the jury to decide. Amaro v. Certain Underwriters at Lloyd's London, 2019 WL 4722697, at *2 (S.D. Fla. July 31, 2019).

c. Damages

Next, Mosaic argues that Plaintiffs' FCRA claims fail, because they have not suffered any actual damages. Plaintiffs respond that they have suffered emotional distress. Damages for emotional distress can be awarded if there is a causal connection between the FCRA violation and the emotional harm. See Marchisio v. Carrington Mortgage Services, LLC, 919 F.3d 1288, 1304 (11th Cir. 2019).

Plaintiffs contend that they have suffered compensable emotional distress due to Defendants' conduct. Specifically, they feel violated, that their privacy has been invaded, worried that their credit information has been compromised, and angry that Defendants allowed their credit report to be accessed. (Doc. No. 126-1, ¶ 20-23; Doc. No. 126-2, ¶ 20-23; Doc. No. 126-19, depo. p. 158-59).

Brown had been trying to improve his credit prior to Mosaic's hard inquiry on his credit report, and he is angry that he had to make so many calls to get his credit report fixed. (Doc. No. 126-19, depo. p. 148-49, 163). Brown claims that his feelings cause his heart to race, body to tense up, and makes him be combative with the people around him. (Doc. No. 126-1, ¶23). Likewise, Cardona has been sleepless with worry and so nervous that she now suffers from digestive problems. (Doc. No. 126-2, ¶ 23; Doc. No. 126-18, depo. p. 34-35). Plaintiffs' spouses have observed how anxious and worried this situation has made Plaintiffs. (Doc. No. 126-7; Doc. No. 126-12).

In addition to suffering from emotional distress, Cardona has placed a fraud hold on all of her credit reports due to this situation. These fraud holds have cost Cardona $30 and will cost more to remove them. (Doc. No. 126-2, ¶ 19; Doc. No. 126-18, depo. p. 36).

Based on the above, the Court finds that Plaintiffs have submitted sufficient evidence to raise a genuine issue of material fact that they have suffered actual damages. Furthermore, if Plaintiffs prove that Defendants acted willfully, Plaintiffs are not required to prove actual damages and can seek statutory damages instead.

2. Declaratory Judgment Claims against Mosaic

Next, Mosaic argues that it is entitled to summary judgment on Plaintiffs' claims for declaratory relief under Florida's Declaratory Judgment Act, in which Plaintiffs ask the Court to declare that Mosaic's conduct violated the FCRA. Mosaic argues that because Plaintiffs' FCRA claims fail, there is nothing left for the Court to declare. This argument fails, as the Court has found that Plaintiffs have submitted sufficient evidence to pursue their FCRA claims at trial.

However, Vivint has made a meritorious argument that applies equally to Plaintiffs' claims against Vivint and Mosaic. Vivint argues that Plaintiffs' declaratory judgment claims brought under Florida's Declaratory Judgment Act are duplicative of Plaintiffs' FCRA claims and should not proceed. As explained below, the Court agrees and declines to exercise jurisdiction over these claims and dismisses them without prejudice.

This Court has discretion to determine whether to exercise jurisdiction over declaratory judgment claims. See Travelers Ins. Co. v. Emery, 579 So. 2d 798, 800 (Fla. 1st DCA 1991); see also Pierce v. State Farm Mutual Auto. Ins. Co., 2014 WL 7671718, at *5 n.7 (S.D. Fla. Dec. 17, 2014). The case of Aquadry Plus Corp. v. Rockhill Insurance Company, 2020 WL 927440 (S.D. Fla. Feb. 26, 2020), is instructive on this issue.

In Aquadry, the plaintiff had asserted two claims against the defendant insurer—breach of insurance contract and declaratory judgment. See id. at *1. The defendant filed a motion to dismiss the declaratory judgment claim, and the court granted the motion, stating the following:

"[A] trial court should not entertain an action for declaratory judgment on issues which are properly raised in other counts of the pleadings and already before the court, through which the plaintiff will be able to secure full, adequate and complete relief." [The plaintiff] urges the Court to assess the adequacy of the declaratory judgment count according to Florida Statute § 86.101, the state's version of the Federal Declaratory Judgment Act. Although the statute provides that it is substantive law (Fla. Stat. § 86.101), it is a procedural mechanism that confers subject matter jurisdiction on Florida state courts. As a practical matter, the elements required under the federal or state declaratory-judgment acts are not materially different. . . .
[The defendant] argues that [the plaintiff's] claim for declaratory relief should be dismissed as duplicative of the breach of contract claim. Declaratory judgment claims may coexist with breach of contract claims when they provide the plaintiff a form of relief unavailable under the breach of contract claim. Although, as [the plaintiff] argues, claims may be plead in the alternative under Rule 8(d) of the Federal Rules of Civil Procedure, neither defendants nor courts are obligated to contend with duplicative declaratory judgment claims. If the determination of [the plaintiff's] breach of contract claim involves the same factual dispute as the declaratory judgment claim, then the "Plaintiff will be able to secure full, adequate and complete relief through the breach of contract claim" and consequently "the declaratory action must be dismissed."

* * *
[The plaintiff's] complaint is based on [the defendant's] alleged failure to pay an invoice for services that were rendered in the past. "[C]laims for declaratory judgment must look forward, rather than backward, as any retrospective declaratory judgment would be equally solved by resolution of the breach of contract claim." [The declaratory judgment claim] ultimately seeks a declaration that [the plaintiff's] reading of the insurance policy is correct and that it is entitled to recovery for its services rendered. The determination of [the plaintiff's] breach of contract claim will resolve this dispute and allow [the plaintiff] to secure complete relief. Accordingly, the Court grants [the defendant's] motion to dismiss [the plaintiff's declaratory judgment claim].

Plaintiffs argue that declaratory relief is not duplicative, and is in fact necessary, "because a jury could theoretically find no negligence or willfulness, which is a prerequisite" for damages under the FCRA. (Doc. No. 140, p. 18). Thus, Plaintiffs argue, "the Court could still conclude that Defendants used or obtained Plaintiffs' credit reports for an impermissible purpose . . . and enter a declaratory judgment on the same." (Doc. No. 140, p. 18). It is not clear, however, how such a declaratory judgment would be meaningful or necessary. In this case, there is no continuing relationship between Plaintiffs and Defendants, and as such, there is no need for the Court to declare (if proven) that Defendants had violated the FCRA in the past. Accordingly, the Court declines to exercise jurisdiction over Plaintiffs' declaratory judgment claims and dismisses them without prejudice.

B. Vivint's Motion for Summary Judgment

Vivint moves for summary judgment on the FCRA (Counts I, II, VII, and VIII) and declaratory judgment (Counts IV, V, X, and XI) claims asserted against it. Accordingly, the Court will address these claims.

1. FCRA Claims against Vivint

Vivint makes several arguments in support of its contention that it is not liable for Plaintiffs' FCRA claims. Some of these arguments overlap with the arguments made by Mosaic that were addressed above. Only two of Vivint's arguments merit further analysis: (1) that Vivint cannot be liable under the FCRA, because it did not pull, use, or obtain Plaintiffs' credit reports; and (2) Plaintiffs fail to allege any facts that would support liability against Vivint Solar, Inc. (the parent company), as opposed to Vivint Solar Developer, LLC. As explained below, the Court finds that genuine issues of material fact exist that preclude summary judgment on Plaintiffs' FCRA claims against Vivint Solar, Inc. and Vivint Solar Developer, LLC.

a. Use or Obtain

Vivint argues that it cannot be liable under the FCRA, because it did not pull, use, or obtain Plaintiffs' credit reports; instead, Mosaic did those acts. As previously stated, the FCRA provides that a person or entity "shall not use or obtain a consumer report" without a permissible purpose. 15 U.S.C. §1681b(f). In this case, it is undisputed that Mosaic pulled/obtained Plaintiffs' credit reports and used them to evaluate Plaintiffs' credit. Thus, Vivint argues that it cannot be held liable for any FCRA violations.

There is sparse case law on the issue of whether a defendant can violate the FCRA by causing an entity to use or obtain a credit report without a permissible purpose, when the defendant did not use, see, or come into possession of the credit report. The parties cited to no case law specifically on this issue, and this Court has found only one such case on the issue, Adams v. Phillips, 2002 WL 31886737 (E.D. La. 2002).

In Adams, Phillips impersonated Adams at three stores and caused the stores to obtain credit reports on Adams that were used to open lines of credit in Adams' name. See id. at *1. Adams asserted an FCRA claim against Phillips for this conduct, and Adams' claim was tried before a jury. See id. The jury found in favor of Adams on this claim, and Phillips moved for a new trial, arguing that this conduct could not support an FCRA claim. See id. at *1-2. In rejecting Phillips' argument, the court stated the following:

Phillips argues that on December 12, 2001, he never "used" or "obtained" a consumer credit report on Adams as the terms are applied in the FCRA. He contends that at most, he caused the retail stores to obtain and use Adams' credit reports. Under Phillips'

interpretation of the FCRA, his actions do not violate any of the consumer protection provisions contained in the statutory scheme. As support, Phillips defines a "user" of a consumer credit report under the FCRA as "the ultimate destination of a credit report as well as the person who acquires (a credit report) for another."

The Court agrees that the term "user" includes both of these definitions. However, this is not an exclusive definition of user, nor does it fully define a person who "obtains" a credit report under the FCRA. . . . To have "used" or "obtained" a credit report under the FCRA, Phillips need not have personally requested the report from the reporting agency. It is enough that his deceitful and fraudulent conduct was the sole cause for issuance of Adams' credit reports to the retail stores. Phillips, in impersonating Adams, consented in the stores' request of Adams' reports from the reporting agency. The stores would never have obtained and used the reports absent consent and were it not for their belief that Phillips was Adams. By fraudulently requesting that the retail stores obtain the reports on Adams, Phillips "used" the reports in order to obtain a benefit, namely the lines of credit. . . . The Court thus concludes that Phillips' conduct satisfied the civil liability requirements under the FCRA.

In the instant case, there is evidence that Coan and Martins, Vivint's employees, caused Mosaic to obtain and use Plaintiffs' credit reports. As stated in Adams, "[i]t is enough that [their] deceitful and fraudulent conduct was the sole cause for issuance of [Plaintiffs'] credit reports to [Mosaic]." By causing Mosaic to obtain these credit reports, Coan and Martins "used" the credit reports to obtain a benefit, namely they tried to use these credit reports to qualify Plaintiffs as accounts that counted towards Vivint's "accounts opened" sales goal.

Furthermore, Coan and Martins were Vivint's employees acting in the course and scope of their employment when they allegedly submitted Plaintiffs' credit applications to Mosaic without Plaintiffs' consent or authorization. Thus, Vivint can be held liable for their conduct. See Reed v. CRST Van Expedited, Inc., 2018 WL 3954868, at *3 (M.D. Fla. Aug. 16, 2018)(noting that employers can be held liable for FCRA violations committed by their employees). Accordingly, the Court denies Vivint's motion for summary judgment on this issue.

b. Vivint Solar , Inc.'s Liability

Plaintiffs assert FCRA claims against both Vivint Solar, Inc. ("VSI"), as well as Vivint Solar Developer, LLC ("VSD"). VSI contends that it is merely the parent company of VSD, that VSD is the company that sells solar panels in Florida and employed the door-to-door salesmen, and therefore, VSI cannot be held liable in this case. (Doc. No. 67, p. 21). In support of this contention, Vivint cites to pages 16-19 of Briant Katilus' deposition, which does not address Vivint's contention. (Doc. No. 67-15, depo. p. 16-19). Vivint also cites to its "Certificate of Interested Persons" related to this case, and it identifies both VSI and VSD as entities that may have an interest in the outcome of this case. (Doc. No. 7, p. 1). That reference also does not support Vivint's contention that VSI cannot be liable.

Plaintiffs respond by pointing to one of VSI's SEC filings—its 2017 Annual Report, Form 10-K. In that filing, VSI states the following:

We offer distributed solar energy . . . to residential customers primarily through a customer-focused and neighborhood-driven direct-to-home sales model. . . . We deploy our sales force on a neighborhood-by-neighborhood basis, which allows us to cultivate a geographically concentrated customer base that reduces our costs and increases our operating efficiency.

* * *
Historically, our primary sales channel has been a direct sales model. We also sell to customers through our inside sales team but continue to find greatest success using our direct sales channel. In addition, we recently began to establish a retail sales channel and

entered into sales dealer agreements with Vivint [Inc.] and others. . . . We are highly dependent on our ability to attract, train and retain an effective sales force. The success of our direct-selling channel efforts depends upon the recruitment, retention and motivation of a large number of sales personnel to compensate for a high turnover rate among sales personnel, which is a common characteristic of a direct-selling business. In order to grow our business, we need to recruit, train and retain sales personnel on a continuing basis.

Congratulations! Vivint Solar, Inc. its subsidiaries, or affiliates [collectively referred to as "Vivint Solar", the "Company" or "we"] is pleased to offer you the position of C1004 - Solar Sales Manager, reporting to . . . , Vivint Solar, Inc. . . .

The Court agrees that Plaintiffs have raised a genuine issue of material fact regarding the existence of an employment relationship between VSI and the salesmen whose conduct forms the basis of Plaintiffs' claims. As such, the Court denies Vivint's motion that VSI cannot be held liable.

2. Declaratory Judgment Claims against Vivint

Next, Vivint argues that it is entitled to summary judgment on Plaintiffs' claims for declaratory relief, in which Plaintiffs ask the Court to declare that Vivint's conduct violated the FCRA. For the reasons discussed above with respect to Mosaic's motion directed to these claims, the Court declines to exercise jurisdiction over these claims and dismisses them without prejudice. IV. Conclusion

Accordingly, it is ORDERED AND ADJUDGED that: (1) Vivint's Motion for Summary Judgment (Doc. No. 67) is DENIED as to Plaintiffs' FCRA claims. The Court declines to exercise jurisdiction over Plaintiffs' declaratory judgment claims against Vivint and dismisses those claims without prejudice. (2) Mosaic's Motion for Summary Judgment (Doc. No. 70) is DENIED as to Plaintiffs' FCRA claims. The Court declines to exercise jurisdiction over Plaintiffs' declaratory judgment claims against Mosaic and dismisses those claims without prejudice. (3) Mosaic's Motion for Leave to File Reply Brief (Doc. No. 128) is DENIED. (4) The parties are directed to each attach an addendum to the pretrial statement that briefs the agency issue in this case by citing to cases that are factually similar to this case. Mosaic shall file an addendum; the Vivint defendants are directed to jointly file a single addendum; and Plaintiff are directed to jointly file a single addendum. The addendums are limited to seven pages each. (5) All pretrial motions, including all motions in limine, must be filed by April 6 , 2020. Each party may file one motion in limine containing all of their arguments in a single document not to exceed 25 pages. Responses thereto must be filed by April 20 , 2020.

DONE AND ORDERED at Tampa, Florida, this 23rd day of March, 2020.

/s/_________

SUSAN C. BUCKLEW

United States District Judge Copies to: Counsel of Record