Consumer complaint received 2023-12-24
Company: Freedom Mortgage Company
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
ATTENTION : XXXX ID # XXXX OF FREEDOM MORTGAGE I Called Last week ( first week of XXXX ) shortly after the company responded to the complaint to discuss the discrepancies of the company 's accounting along with the inaccurate information Freedom Mortgage is reporting on my consumer report. 

Again the Late Payment is incorrect. Please have the Late Payment Removed entirely from consumer report. or just remove the entire account. I need that information removed immediately. Please and Thanks This is my XXXX attempt to fix this on going issue with Freedom Mortgage. 

I submitted a detailed Complaint on XX/XX/XXXX providing Proof that I was never late on this mortgage, and their response to the complaint made absolutely no sense. I feel I am being ignored. According to Freedom Mortgage Response, they appear not to have the facts together in this matter. In their direct Response ON XX/XX/XXXX they said " Your XX/XX/XXXX payment was paid on XX/XX/XXXX and thus reported as current to the CRAs. Because your XX/XX/XXXX payment was not made within the month due, the delinquent reporting to the CRAs is accurate and can not be amended. " I WILL INCLUDE A SCREEN SHOT OF THEIR DIRECT Response in the attachment but obviously if we were to focus on the FACTS, it is clear that Freedom Mortgage does not have their accounting in order and they are not being truthful. How would it be possible for me to make a Payment for the Mortgage ON XX/XX/XXXX FOR THE MONTH OF XX/XX/XXXX!!!!!????? according to XXXX XXXX XXXX Manager Customer Complaint Management Freedom Mortgage Corporation. A DATE THAT AS NOT EVEN PAST AT THE TIME OF THE COMPLAINT! 

I declare under penalty of perjury ( under the laws of the United Stales If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge Further. I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001 Additionally, these misstatements are punishable as perjury under 18 U S.C 1621. This Late payment found within my credit report reported incorrectly by Freedom Mortgage and is completely untrue and that I was never late on this account! 

I Demand the same for Freedom Mortgage ; to Swear and declare under penalty of perjury with the full understanding that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001 on their claim that the late payment is accurate with both validated and verifiable proof. OR simply update the reporting to paid as agreed, or paid never late, or simply remove the late payment and any reporting for that month. 

You guys are single handedly messing up my entire credit report because I am never late on any of my accounts ever! and just need this last thing to be fixed. 

This information is False and misleading and is preventing my from using my credit. The information for this account did not meet the credit reporting standards of being 100 % correct. and the company Freedom Mortgage has failed to provide proof. 
With the CFPB as my witness I am documenting each response. 
Please do the right thing so this does not have to escalate any further. 

I'm demanding the CFPB to enforce the correction and or Deletion of this late payment on my consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation