Consumer complaint received 2019-08-16
Company: Freedom Mortgage Company
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
To Whom, PLEASE HELP me resolve this issue with Freedom Mortgage. This has been an ongoing disaster since XX/XX/2018. I am diligently trying to get rectified. I have put a request for correction with Freedom Mortgage twice and BOTH credit reporting agencies [ as of last month ] 3 times. I was successful in having Freedom agree to remove the FALSELY reported entry this past XXXX but, the next month they put it back. I am to the point that I am having to take legal action with them. 
The 100 point decrease in my credit score has now cost me over {$15000.00} in actual damages ( the Higher cost to refinance my home, the higher cost for my ex-wife to purchase a home, rejection of revolving account to purchase furniture ) I have provided the bank statement that shows the payment made PRIOR to the 30-day mark AND the Banks own internal Transaction Serial Number AND an actual live person at my bank to confirm the validity of the information ( Original email is provided below with their written response ). Freedom Mortgage refuses to budge. PLEASE HELP!!! 

Original Request for Correction ( XXXX XX/XX/2018 ) _________ " I received notice from my credit monitoring service that Freedom Mortgage indicates XX/XX/2018 payment as 30 days past due. As the attached indicates the payment was electronically sent and received by Freedom Mortgage and subsequently posted to my account on XX/XX/2018. Also indicated below is the Transaction Serial Number for electronic tracking. I request this error be corrected and accurately ( re ) reported to ALL effected credit reporting agencies immediately. This has severely effected both my wifes and my credit reports. Thank you for your prompt attention to this matter. Transaction Serial Number : XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX : XXXX '' _________ They responded via mail : _________ " Dear Borrower Thank you for contacting XXXX XXXX XXXX XXXX Department. We received your inquiry regarding your account Via email on XX/XX/XXXX. Specically. we understand you have concerns in connection with credit reporting. We hope you nd the following information helpful. 
After reviewing your account our research determines that unfortunately. we are unable to honor your request to retract -, derogatory credit. The delinquency for XX/XX/2018 is accurate as reported. Contractual ' obligations me to make 3 payments on the rst of every month. We received payment for XX/XX/2018 on XX/XX/2018, resulting in a " 30-day delinquency Please understand. in accordance to the Fair Credit Reporting Act or FCRA. we must report factual data Freedom Mortgage Corporation is unable to honor requests for courtesy credit report retractions. We appreciate the opportunity to assist you with this matter. You may access your loan information at your convenience, 2-1 hours a day, 7 days a week! Simply log on to our website at XXXX or call our automated phone system at ( XXXX ) XXXX-XXXX.  Customer Care representatives are available to assist you Monday through Friday from XXXX XXXX and Saturday from XXXX XXXX Eastern Timer. 
Sincerely. 
Customer Care Department Freedom Mortgage Corporation '' ___________

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