I have the exact same problem, and my system is clocked out exactly as WayneBike except I have an e4300 C2D. The only difference is in the temps, mine is in the 40's. My question is this, if it is reading the clock speed wrong, what makes the temp reading right and not wrong also?
Seems like cpu-z is the only prog that's getting it right (2.4 GHz) on my machine (XP System properties, Core Temp, Gigabyte Easy Tune and SpeedFan all report 3.2 GHz)