Consumer complaint received 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Freedom Mortgage Company
State: WA

Complaint narrative:
Complaint Against Freedom Mortgage for False Credit Reporting and Non-Compliance with Consumer Protection Laws To Whom It May Concern I am filing a complaint against Freedom Mortgage for knowingly reporting false and inaccurate information to third-party credit reporting agencies, despite my documented evidence of up-to-date payments and ongoing dispute regarding their accounting practices. Their actions have resulted in significant financial harm to me, negatively impacting my credit score and my ability to conduct public financial transactions. 

Background of My Mortgage Account I maintain a mortgage with Freedom Mortgage, and I have consistently made payments as required. 
My ledger, which accounts for public and private transactions, confirms that my mortgage is fully current. 

My banking statements further verify that I have made all required payments, yet Freedom Mortgage continues to report missed payments and past due balances. 
Freedom Mortgages False Credit Reporting Despite having proof that my payments are current, Freedom Mortgage has : Repeatedly reported inaccurate delinquency status to all three major credit reporting agencies ( XXXX, XXXX, and XXXX ). 

Failed to investigate the matter properly before reporting false information. 
Continued to report non-payment and past-due status, even after acknowledging that they are still conducting an accounting investigation into my case. 
XXXX  Failure to Conduct a Proper Investigation While XXXX and XXXX eventually addressed my dispute, XXXX refused to conduct an independent inquiry into the validity of Freedom Mortgages reporting. 
Instead, XXXX stated that they only report what Freedom Mortgage provides and do not conduct their investigations, effectively allowing inaccurate information to remain on my credit file without verifying its legitimacy. 

This practice directly violates the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to conduct reasonable investigations into consumer disputes. 
Violation of Consumer Protection Laws Freedom Mortgages reporting practices violate multiple consumer protection laws, including : FCRA ( Fair Credit Reporting Act ) : Credit furnishers ( like Freedom Mortgage ) must report accurate and verifiable information and correct errors when they are disputed. 
No negative information can be reported while an ongoing investigation, yet Freedom Mortgage has falsely reported past-due payments despite acknowledging an open dispute and accounting investigation. 

TILA ( Truth in Lending Act ) & RESPA ( Real Estate Settlement Procedures Act ) : Lenders must provide accurate account disclosures, which Freedom Mortgage has failed to do by misrepresenting my payment status. 
GLBA ( Gramm-Leach-Bliley Act ) : Sharing false financial information with third parties without my consent constitutes a breach of privacy and fiduciary responsibility. 
Harm Caused by Freedom Mortgages False Reporting Lowered My Credit Score : The false delinquency reporting has damaged my credit profile and public financial standing. 

Hindered My Public Contracts : As a consumer engaged in public and private financial dealings, this false reporting has disrupted my ability to obtain fair credit terms and conduct business transactions. 

Emotional and Financial Distress : The burden of repeatedly disputing this false reporting has placed unnecessary hardship on me.

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