In its recent decision in Freeman v. Ocwen Loan Servicing, No. 23-2512, the U.S. Court of Appeals for the Seventh Circuit upheld a district court's dismissal of a borrower's Fair Credit Reporting Act (FCRA) and Fair Debt Collection Practices Act (FDCPA) claims arising out of her mortgage servicer's erroneous reporting that her mortgage was in default. In doing so, the court issued a concerning and seemingly internally inconsistent decision.