Freedom Mortgage Corporation is a nonbank mortgage lender and servicer, founded in 1990, that makes and services many FHA, VA and USDA loans. A mortgage it services can appear on your credit report under the Freedom Mortgage name. If a Freedom Mortgage loan is reported wrong, such as a late payment you made on time, a payment that was not credited, or a balance after a payoff or refinance, you can dispute it under the Fair Credit Reporting Act.
What consumers have alleged
In a 2026 federal case in California (Dotson v. Equifax Information Services, LLC, N.D. Cal. No. 5:26-cv-09984), the consumer alleges that Freedom Mortgage inaccurately reported him as 30 days late on his mortgage, that he disputed the late payment with Equifax and Trans Union four times without a reasonable investigation by Freedom Mortgage, and that his mortgage applications were unsuccessful. These are allegations in a complaint, not findings.
How to dispute a Freedom Mortgage loan on your credit report
- Get all three reports and note exactly how each bureau shows the account: the balance, the status, the date of your last payment and every month marked late.
- Dispute in writing with each bureau that shows the error, and include your proof, such as bank statements showing each payment, a payoff or sale statement, or a loan modification or forbearance agreement. The bureau must reinvestigate, generally within 30 days (15 U.S.C. § 1681i), and must pass your dispute to the company that reported the account.
- The furnisher must then investigate and correct or delete what it cannot verify (§ 1681s-2(b)). You can also dispute directly with Freedom Mortgage in writing; for most account information the federal rule requires a reasonable investigation of a direct dispute (12 C.F.R. § 1022.43).
- Send the servicer a written notice of error. For 60 days after a mortgage servicer receives one, it may not report adverse information to any credit bureau about the payment you dispute (12 U.S.C. § 2605(e)(3); 12 C.F.R. § 1024.35(i)).
- If the error comes back “verified” and you have been denied credit, a refinance or housing, or charged more, you may have a claim. Keep every letter and every response.
Talk to a lawyer about a mortgage reporting error
If a dispute did not fix the error, a credit report lawyer can review whether Freedom Mortgage or a bureau broke the Fair Credit Reporting Act. The FCRA makes the company that violated it pay your attorney’s fees (§§ 1681n, 1681o), so our case review is free and you pay nothing unless we win. See also suing a mortgage company for an FCRA violation and our list of mortgage servicers.
Admitted in Pennsylvania and New Jersey; available to appear pro hac vice in other federal courts.
Common questions
Can a mortgage servicer report a payment late while I am disputing it?
For 60 days after a mortgage servicer receives a written notice of error, it may not report adverse information to any credit bureau about the payment you dispute (12 U.S.C. § 2605(e)(3); 12 C.F.R. § 1024.35(i)).
Can I sue Freedom Mortgage for reporting wrong information?
If you disputed the error with a credit bureau and Freedom Mortgage failed to investigate it reasonably or kept reporting information it could not verify, you may have a claim under 15 U.S.C. § 1681s-2(b), with damages and attorney’s fees under §§ 1681n and 1681o.
Will a lawyer cost me anything?
No. The FCRA makes the company that violated it pay your reasonable attorney’s fees, so our case review is free and you pay nothing unless we win.