Consumer complaint received 2021-11-18 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Freedom Mortgage Company
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX The XXXX XXXX XXXX, XXXX and all its active partners, who continue to willfully violate the consumer protection laws as if they do not apply to their practice. I have been personally damaged by their violations as a federally protected consumer for almost 3 years now. As we all know ignorance of the law is no excuse. They are in direct violation of Federal law and are civilly liable due to their willful non compliance as debt collectors pursuant to 15 USC 1681n. Below you will find the US Codes they have willfully violated against me that can be proven : 1. 15 USC 1692c ( a ) - Communication without prior written consent or expressed permission. 

2. 15 USC 1692c ( b ) - Communication without prior consent or expressed written permission.

3. 15 USC 1692d ( 1 ) - Attacking my reputation by accusing me of owing a debt.

4. 15 USC 1692d ( 2 ) - Using false deceptive or misleading representations.

5. 15 USC 1692e ( 2a ) - False representations of the character and amount of the alleged debt.

6. 15 USC 1692e ( 2b ) - False representation of any service rendered or compensation. Accusing me of owing a debt for an alleged loan. 

7. 15 USC 1692e ( 8 ) - Communicating false information. Communicating false information to the court of me owing an alleged debt.Attempting and threatening to sue and repossess my home. 

8. 15 USC 1692e ( 9 ) - Use/Distribution of communication without authorization or approval. 

9. 15 USC 1692e ( 10 ) - False representation. XXXX is not a party to the alleged debt by my consent. 

10. 15 USC 1692e ( 12 ) - False representation/ implication. I am a innocent purchaser for value. 

11. 15 USC 1692f- Unfair practices attempting to collect an alleged debt.

12. 15 USC 1692f ( 1 ) - Attempting to collect a debt unauthorized by an agreement between parties.

13. 15 USC 1692g ( a4 ) - Certifiable validation and verification of alleged debts.

14. 15 USC 1692j ( a, b ) - Furnishing certain deceptive forms. They are not a party to the alleged debt, yet they sent me 6+ letters to my abode without consent.Threatening me with obscene language. 

15. 18 USC 1028a- Aggravated Identity Theft. 
They are in possession of my location and personal identifying information without my written consent. XXXX ( the paralegal requested my Social security number on the phone, ( when I called to discuss this matter today ) to verify my identity. Yet I have never given this information to XXXX XXXX XXXX XXXX XXXX. They are in possession of this information illegally. 

You continue to commit fraud pursuant to rule XXXX. You are not to carry on the business of practicing law for a corporation. 
People v. XXXX dermatological institute XXXX XXXX XXXX. XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX. 

Pursuant 15 USC 1602g, I the CREDITOR have the right to extend credit just as under 15 USC 1635 I have the right to rescind credit. 

Im not sure which part of the consumer protection laws are not clear to XXXX XXXX XXXX XXXX XXXX. Is it that they believe these laws do not apply to them? They continue to harass me by mail, they have defaulted in Maryland XXXX XXXX to ALL of our notices. They are willfully dragging this out to cause further damage and attempting to ignore the consumer protection laws.

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