Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Freedom Trucks LLC
State: IN

Complaint narrative:
I am submitting this complaint regarding a disputed debt currently being reported on my credit report in the amount of {$14000.00}, which has been placed with the collection agency XXXX XXXX. The alleged debt originates from a commercial truck financed through FREEDOM WAY TRUCKS, located in XXXX, MS XXXX The vehicle involved was a XXXX XXXX XXXX XXXX. I dispute the accuracy and validity of this alleged balance because a substantial portion of the amount appears to have been generated from a fraudulent invoice submitted by a third party without my knowledge or authorization. The truck was taken to a legitimate repair facility for diagnostic work. I personally received the original invoices from that repair shop, which consisted of : An initial diagnostic invoice totaling {$270.00} A final diagnostic invoice totaling {$930.00} Total invoice : {$1200.00} These invoices accurately reflect the diagnostic and repair work that was actually performed on the vehicle. However, my fXXXX XXXX XXXX XXXX later submitted an invoice to XXXX XXXX XXXX through a business he owns called Red Line Towing totaling approximately {$6300.00}. Based on the documentation I obtained, it appears that portions of the legitimate repair shops invoice were copied and incorporated into an invoice issued by XXXX XXXX XXXX, despite the fact that this business did not perform the diagnostic or repair work reflected in the legitimate invoices. XXXX XXXX XXXX apparently paid the {$6300.00} invoice submitted by XXXX XXXX XXXX in order to recover the truck from the terminal where it was located. I was not aware of this transaction at the time it occurred. After discovering this situation, I contacted Freedom Way Trucks and informed them that the invoice they paid was fraudulent and that the legitimate repair invoices total only {$270.00} and {$930.00}. I advised them that I possess the actual invoices documenting the legitimate work performed. Despite being informed that the {$6300.00} invoice appears to be fraudulent and does not reflect work performed by XXXX XXXX XXXX, Freedom Way Trucks advised me that this was not their problem and that I would still be responsible for paying the full balance they claim is owed. Freedom Way Trucks subsequently placed the alleged balance into collections, and the amount of {$14000.00} is now being reported on my credit report by XXXX XXXX XXXX. This situation raises serious concerns regarding compliance with federal consumer protection laws, including : XXXX. Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( a ) and 1681s-2 ( b ) ) This law requires entities that furnish information to credit reporting agencies to provide information that is accurate and not materially misleading. A balance that includes charges derived from a fraudulent invoice may constitute inaccurate or misleading information being furnished to credit reporting agencies. XXXX. Fair Debt Collection Practices Act ( 15 U.S.C. 1692e and 1692f ) Debt collectors are prohibited from using false, deceptive, or misleading representations in connection with the collection of a debt and from attempting to collect amounts that are not expressly authorized by the agreement creating the debt or permitted by law. XXXX. Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) under the Consumer Financial Protection Act ( 12 U.S.C. 5531 ) Attempting to collect or report a balance that includes charges obtained through fraudulent misrepresentation by a third party may constitute an unfair or deceptive practice, particularly when the creditor has been notified of the dispute and supporting documentation. I notified Freedom Way Trucks of the fraudulent invoice and provided notice that I possessed documentation showing the legitimate repair invoices. Despite being informed of this dispute, the company refused to investigate or correct the charges and proceeded to place the alleged debt into collections.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation