Consumer complaint received 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
EXPLANATION : MISREPRESENTATION BY EXPERIAN Experians assertion that litigation is involved in connection with CFPB Complaint No. XXXX is not only factually unsupportedit also constitutes a deliberate misrepresentation of material fact. Misrepresentation, in law, refers to any false or misleading statement of fact made with the intent to deceive, deflect liability, or gain an unfair advantage. 


-- - 1. Legal Definition of Misrepresentation Under both contract and tort law, misrepresentation arises when : A false statement of material fact is made ; The person making the statement knows or should know it is false ; The statement is made to induce inaction or mislead a party ; and The injured party relies on that statement to their detriment.

Here, Experian told the Consumer Financial Protection Bureaua federal oversight agencythat they can not respond to your dispute because litigation exists. They have offered no evidence of such litigation, no court, no case number, and no judicial record to support that claim.

-- - 2. Material Misrepresentation to a Federal Agency The statement is material because it affects whether Experian will be held to its duties under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) which mandates a full reinvestigation of disputed information.

By falsely claiming that litigation exists : Experian seeks to evade its statutory duty to respond ; It creates the false appearance of legal preclusion, which misleads the CFPB ; It prevents timely enforcement of your consumer rights, which is injurious and obstructive.

This conduct may also trigger criminal liability under : > 18 U.S.C. 1001 False Statements to a Federal Agency, which prohibits knowingly and willfully falsifying or concealing a material fact in any matter within the jurisdiction of the United States government.

-- - 3. Purposeful Evasion and Obstruction This is not a clerical error or innocent misunderstanding. It is a strategic form of corporate evasion. By claiming litigation exists, Experian attempts to : Block the CFPBs oversight authority ; Avoid reinvestigation of potentially false or damaging credit data ; Shield itself from liability without judicial process or transparency. 


Such conduct is not only unlawfulit is a violation of public trust and an affront to regulatory accountability. 


-- - Conclusion Experians false litigation claim is a calculated misrepresentation intended to obstruct regulatory enforcement and deprive the consumer of due process under federal law. It violates not only the FCRA, but also foundational principles of honest dealing, fair reporting, and good faith. Such conduct demands full scrutiny, correction, and if necessary, civil and criminal penalties to ensure compliance and restore public confidence. 


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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