Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Freedom Mortgage Company
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Re : Dispute of Inaccurate Information on Credit Report for Freedom Mortgage, XXXXXXXX XXXX XXXXXXXX and XXXX XXXX ] Social Security Number : XXXX Date of Birth : XX/XX/XXXX Dear Sir or Madam : I am writing to dispute the accuracy of certain information contained in my credit file pursuant to Section 611 of the Fair Credit Reporting Act ( FCRA ). I am also requesting, where applicable, that certain information be blocked under Section 605B of the FCRA if it results from any unauthorized or fraudulent activity. I have recently reviewed my credit report and identified several inaccuracies that need to be investigated and corrected or removed.

Please investigate and correct the following errors : Incorrect Personal Information : My name is incorrectly listed as " XXXX XXXX. '' My correct full name is XXXX XXXX '' My address is incorrectly listed as " XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX. '' My correct current address is XXXX Stepping XXXX XXXX XXXX XXXX in XXXX These errors may indicate potential identity theft or reporting mistakes, and I request that they be corrected immediately. 

Disputed Late Payment on Freedom Mortgage Account : The late payment reported by Freedom Mortgage is inaccurate and should be removed. I did not authorize Freedom Mortgage to report this information to my credit file, and it does not accurately reflect my payment history. Please verify the accuracy of this entry with the furnisher and delete it if it can not be substantiated. If this results from any unauthorized activity, block it under FCRA Section 605B. 

Incorrect Amount on XXXX Credit Card Account : The balance or amount reported on my XXXX credit card account is incorrect. The reported amount is {$1400.00} but the accurate amount should be. {$420.00} Please investigate this with XXXX  and update or remove the entry accordingly. 

Unauthorized Collections from XXXX, XXXX and XXXX XXXX : The collection accounts reported by XXXX and XXXX XXXX should not appear on my credit report. I did not authorize these entries to be placed or remain on my report, and they are inaccurate " have been resolved ''. Please verify these with the furnishers and remove them if they can not be validated. If these result from identity theft or unauthorized reporting, block them under FCRA Section 605B.

Under the FCRA, you are required to investigate these disputes within 30 days of receipt of this letter ( or 45 days if I provide additional information ). Please provide me with the results of your investigation in writing, including a description of the procedure used to determine the accuracy and completeness of the information. If the disputed information is found to be inaccurate, incomplete, or unverifiable, you must promptly delete or modify it and notify any furnishers accordingly. Additionally, you must provide me with an updated copy of my credit report at no charge. 
Enclosed are copies of [ list any supporting documents, e.g., " my driver 's license, Social Security card, recent utility bill showing my correct address, account statements from XXXX XXXX showing accurate payment history, and any correspondence with XXXX XXXX XXXX XXXX XXXX Please do not send originals. 
If you find that the information is accurate, please provide me with the name, address, and telephone number of the person or entity that furnished the information so that I may pursue the matter directly with them. 
Thank you for your prompt attention to this matter. I look forward to your response within the time frames required by law. 
Sincerely, XXXX XXXX XXXX XXXX Enclosures :

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