Consumer complaint received 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XX/XX/year> Experian Legal Department Attn : General Counsel XXXX XXXX XXXX XXXX XXXX, CA XXXX CC : XXXX XXXX ( Experian - XXXX XXXX XXXX ), XXXX XXXX ( Experian - XXXX XXXX XXXX ), CFPB, FTC CFPB COMPLAINT Tracking To Master Complaint : CFPB Complaint ID XXXX ( XX/XX/year> ) Expansion of Documented Patterns Related to Experians Fraudulent Misclassification of Disputes This submission serves as an updated tracking record for an ongoing pattern of misclassification by Experian regarding disputes that I have submitted. This update expands on the events already documented in CFPB Complaint ID XXXX, which remains the primary reference case for this issue. 
Since my initial filing, additional instances of misclassification have emerged, each aligning with the same concerning pattern already outlined. The newly identified instances include : Complaint ID Date Filed Date of Experians Fraudulent Classification Description of Misclassification / Evasion Tactic XXXX XX/XX/year> XX/XX/year> @ XXXX XXXX  EST We reviewed the complaint you submitted and sent it to the company for a response. The company responded that you may have been a victim of fraud. 
XXXX XX/XX/year> XX/XX/year> @ XXXX XXXX  EST We reviewed the complaint you submitted and sent it to the company for a response. The company responded that you may have been a victim of fraud. 
XXXX XX/XX/year> XX/XX/year> @ XXXX XXXX  EST We reviewed the complaint you submitted and sent it to the company for a response. The company responded that you may have been a victim of fraud. 
XXXX XX/XX/year> XX/XX/year> @ XXXX XXXX  EST We reviewed the complaint you submitted and sent it to the company for a response. The company responded that you may have been a victim of fraud. 
XXXX XX/XX/year> XX/XX/year> @ XXXX XXXX  EST We reviewed the complaint you submitted and sent it to the company for a response. The company responded that you may have been a victim of fraud. 
XXXX XX/XX/year> XX/XX/year> @ XXXX XXXX  EST We reviewed the complaint you submitted and sent it to the company for a response. The company responded that you may have been a victim of fraud. 
XXXX XX/XX/year> XX/XX/year> @ XXXX XXXX  EST We reviewed the complaint you submitted and sent it to the company for a response. The company responded that you may have been a victim of fraud. 
XXXX XX/XX/year> XX/XX/year> @ XXXX XXXX  EST We reviewed the complaint you submitted and sent it to the company for a response. The company responded that you may have been a victim of fraud. 
XXXX XX/XX/year> XX/XX/year> @ XXXX XXXX  EST We reviewed the complaint you submitted and sent it to the company for a response. The company responded that you may have been a victim of fraud. 
XXXX XX/XX/year> XX/XX/year> @ XXXX XXXX  EST We reviewed the complaint you submitted and sent it to the company for a response. The company responded that you may have been a victim of fraud. 
XXXX XX/XX/year> XX/XX/year> @ XXXX XXXX  EST We reviewed the complaint you submitted and sent it to the company for a response. The company responded that you may have been a victim of fraud. 
XXXX XX/XX/year> XX/XX/year> @ XXXX XXXX  EST We reviewed the complaint you submitted and sent it to the company for a response. The company responded that you may have been a victim of fraud. 
XXXX XX/XX/year> XX/XX/year> @ XXXX XXXX  EST We reviewed the complaint you submitted and sent it to the company for a response. The company responded that you may have been a victim of fraud. 
XXXX XX/XX/year> XX/XX/year> @ XXXX XXXX EST We reviewed the complaint you submitted and sent it to the company for a response. The company responded that you may have been a victim of fraud. 
XXXX XX/XX/year> XX/XX/year> @ XXXX XXXX  EST We reviewed the complaint you submitted and sent it to the company for a response. The company responded that you may have been a victim of fraud. 
XXXX XX/XX/year> XX/XX/year> @ XXXX XXXX  EST We reviewed the complaint you submitted and sent it to the company for a response. The company responded that you may have been a victim of fraud. 
XXXX XX/XX/year> XX/XX/year> @ XXXX XXXX  EST We reviewed the complaint you submitted and sent it to the company for a response. The company responded that you may have been a victim of fraud. 

In each of these cases, Experians response has followed a consistent pattern wherein my disputes are misclassified as fraud cases without any factual basis or consumer assertion of fraud. 
" We reviewed the complaint you submitted and sent it to the company for a response. The company responded that you may have been a victim of fraud. '' This boilerplate response is inaccurate, and it does not reflect the nature of my original complaints. Rather than addressing the substance of my disputes, Experian has introduced an unsupported fraud classification that affects the resolution process and potentially distorts record-keeping efforts. 
Legal Violations Committed by Experian Fraudulent Misclassification of Disputes on a Federally Regulated Consumer Complaint Platform Experians systematic misclassification of disputes as fraud-related despite no factual basis or consumer assertion of fraud constitutes a deliberate and willful misrepresentation on a federally regulated XXXX Consumer Financial Protection Bureau ( CFPB ) complaint system. The CFPB complaint portal is a federally monitored enforcement mechanism, meaning any false, deceptive, or misleading statements made within it violate federal law, consumer protection statutes, and regulatory compliance mandates. 
By knowingly submitting false information regarding the nature of my dispute, Experian has violated multiple federal, XXXX, and California laws, including : A. Federal Law Violations 1. 18 U.S.C. 1001 False Statements to a Federal Agency Legal Standard : o Prohibits knowingly and willfully making false, fictitious, or fraudulent statements in matters within the jurisdiction of a federal agency. 
How Experian Violated It : o Experian knowingly submitted false responses to the CFPB, falsely stating that my disputes were fraud-related when no fraud claim was made. 
o This directly misled a federal consumer protection agency regarding the legitimacy of my complaint. 
o Since the CFPB uses this data to track systemic issues, Experians false classification obstructs federal regulatory enforcement and creates an inaccurate public record.

2. 15 U.S.C. 45 Unfair and Deceptive Acts and Practices ( FTC Act ) Legal Standard : o The Federal Trade Commission Act ( FTC Act ) prohibits deceptive business practices, including false representations made to regulators, consumers, or in official filings. 
How Experian Violated It : o By misclassifying disputes in a way that prevents regulatory oversight, Experian has engaged in a deceptive business practice under federal law. 
o This behavior obstructs fair dispute handling and misleads regulators about the companys compliance with the FCRA.

3. FCRA 1681s ( a ) ( 2 ) Duty to Provide Accurate Information to Regulators Legal Standard : o Consumer reporting agencies are required to provide truthful and accurate information to federal regulators regarding disputes and complaint resolutions under the Fair Credit Reporting Act ( FCRA ). 
How Experian Violated It : o Misclassifying valid consumer disputes as fraud cases distorts the complaint resolution process and introduces false consumer data into regulatory records. 
o The CFPB relies on complaint data to assess compliance failuresExperians pattern of fraudulent misclassification directly obstructs that process.

4. FCRA 1681i ( a ) ( 1 ) Failure to Conduct a Reasonable Reinvestigation Legal Standard : o When a consumer disputes an item on their credit report, the credit reporting agency must conduct a reasonable reinvestigation to verify the accuracy of the information.

How Experian Violated It : o Instead of conducting a reasonable reinvestigation, Experian fraudulently labeled my dispute as fraud-related, preventing an actual review of my complaint.

5. FCRA 1681i ( a ) ( 6 ) ( B ) Failure to Provide Accurate Results of Investigation Legal Standard : o After completing a reinvestigation, a credit reporting agency must provide accurate results to the consumer. 
How Experian Violated It : o Experian provided fraudulent results by falsely stating that my dispute involved fraud. 
o This constitutes a misrepresentation under federal law and prevents me from receiving a valid resolution.

6. FCRA 1681e ( b ) Failure to Maintain Maximum Possible Accuracy Legal Standard : o Credit reporting agencies are required to maintain the maximum possible accuracy of consumer information at all times.

How Experian Violated It : o Experian introduced false information into their records by misclassifying my dispute as fraud-related, which violates their duty of accuracy.

7. FCRA 1681i ( a ) ( 7 ) Failure to Provide Proper Description of Reinvestigation Procedures Legal Standard : o If a consumer requests it, a credit reporting agency must describe the procedures used in their reinvestigation.

How Experian Violated It : o Experian failed to explain why they fraudulently misclassified my disputes, making it impossible to verify the legitimacy of their reinvestigation.

8. 12 U.S.C. 5536 ( a ) ( 1 ) ( B ) Prohibition of Unfair, Deceptive, or Abusive Acts ( UDAAP ) Legal Standard : o The Consumer Financial Protection Act ( CFPA ) prohibits any unfair, deceptive, or abusive act or practice ( UDAAP ) in consumer financial products or services.

How Experian Violated It : o Deceptive Conduct : Misrepresenting the nature of consumer disputes to avoid accountability.

o Unfair Conduct : Blocking consumer feedback and response mechanisms through fraudulent classifications.

o Abusive Conduct : Creating systemic barriers to lawful dispute resolution by misclassifying disputes in a way that delays or prevents regulatory action.

9. 12 C.F.R. 1022.43 Accuracy and Integrity Rule Legal Standard : o Credit reporting agencies must have procedures in place to ensure accuracy and integrity in consumer dispute processing.

How Experian Violated It : o Experians systemic misclassification of complaints violates federal compliance standards, showing a lack of internal integrity controls.

B. D.C. Consumer Protection Violations 1. D.C. CPPA 28-3904 ( e ) False Representations Legal Standard : o Prohibits false and misleading representations in consumer transactions. 
How Experian Violated It : o Experian falsely labeled my disputes as fraud cases, misrepresenting my actual complaints to the CFPB.

2. D.C. CPPA 28-3904 ( f ) Material Omissions Legal Standard : o Prohibits omitting material facts that mislead consumers about their rights.

How Experian Violated It : o Experian failed to disclose why it fabricated false fraud classifications, depriving me of the ability to properly respond.

C. California Consumer Protection Violations 1. California Civil Code 1798.110 Right to Know What Data is Collected Legal Standard : o Consumers have the right to demand accurate data collection and correction under the California Consumer Privacy Act ( CCPA ).

How Experian Violated It : o Experian has no legal basis to label my dispute as fraudI have the right to demand correction of this misclassification.

2. California Civil Code 1798.81.5 Duty to Implement Security Procedures Legal Standard : o Businesses must protect consumer data from improper modification.

How Experian Violated It : o Falsely labeling disputes as fraud creates inaccurate consumer records, which is a breach of security procedures.

3. California Civil Code 1785.16 ( a ) - ( d ) Failure to Conduct a Proper Investigation Legal Standard : o Credit reporting agencies must conduct a full investigation of disputes before making determinations.

How Experian Violated It : o By fraudulently misclassifying my dispute, Experian prevented a legitimate reinvestigation.

4. California Business & Professions Code 17200 Unfair and Deceptive Practices Legal Standard : o Prohibits systemic deceptive practices in consumer transactions.

How Experian Violated It : o Experians pattern of misclassifying disputes violates Californias consumer protection standards.

Request for CFPB, FTC, SEC, DOJ, and FCC Investigation Given the continued emergence of new instances of this misclassification, I respectfully request an expanded review by multiple regulatory agencies.

1. CFPB Investigation Enforce UDAAP regulations and FCRA compliance against Experian.

2. FTC Investigation Enforce 15 U.S.C. 45 ( Unfair and Deceptive Acts and Practices ).

3. SEC Investigation Examine whether Experians fraudulent dispute handling practices were misrepresented in financial disclosures.

4. DOJ Investigation Determine if Experians actions violate federal fraud statutes and pursue potential criminal penalties.

5. FCC Investigation If Experian engaged in communications fraud related to dispute handling, enforce applicable penalties.

In addition to these investigations, I formally request that Experian be directed to immediately cease its fraudulent misclassification of disputes, issue written corrective action confirming the removal of fraudulent designations from all affected accounts, and provide full transparency into its reinvestigation process to ensure compliance moving forward.

Closing Notes This filing serves as a continuation of a structured, documented tracking effort under CFPB Complaint ID XXXX, ensuring that emerging patterns of misconduct are identified and that regulatory inquiries reflect the full scope of affected cases. 
Given the ongoing expansion of documented violations, I remain diligent in tracking every phase of dispute resolutions, complaint closures, and response patterns. While individual complaint timelines may vary, the sequencing of Experians responses is neither random nor coincidentalit reflects a deliberate strategy to manipulate dispute outcomes, obscure systemic failures, and avoid accountability.

Experian has employed a clear pattern of misclassification, selective processing, and staggered responses to disrupt tracking efforts and obscure regulatory violations. By jumping between different complaints, selectively addressing certain disputes while stalling others, and issuing inconsistent classifications, Experian is intentionally creating procedural gaps to weaken enforcement oversight.

This is not a case of administrative oversightit is a calculated attempt to distort regulatory review processes. Each instance of dispute misclassification, procedural evasion, and selective response contributes to an expanding record of misconduct that directly undermines the integrity of consumer protection laws.

As additional instances of misconduct emerge, I will continue documenting, tracking, and supplementing this master complaint with further evidence. This structured tracking approach ensures that Experians attempts to manipulate dispute sequencing, obscure procedural consistency, and fabricate justifications for noncompliance are fully exposed.

At this stage, federal and state regulatorsincluding the CFPB, FTC, DOJ, SEC, FCC and state Attorneys Generalmust escalate enforcement measures in response to the overwhelming body of evidence. Experian must be held accountable for its repeated misrepresentations, deceptive dispute classifications, and ongoing obstruction of consumer rights.

Allowing this misconduct to persist unchecked would not only encourage further regulatory evasion but also set a dangerous precedent for systemic noncompliance across the financial and consumer protection landscape. The integrity of federal and state enforcement mechanisms is at stake, and inaction will send a clear message that corporations can manipulate dispute processes, obstruct regulatory oversight, and systematically undermine consumer protections without consequence. 
Moving forward, I remain fully engaged in tracking all case resolutions and regulatory responses, ensuring that every developmentincluding Experians strategic manipulation of sequencing, classification, and procedural inconsistenciesis incorporated into the established record for further escalation as necessary. 
Certification and Affirmation I, XXXX XXXX XXXX, affirm that the statements made in this complaint are true and accurate to the best of my knowledge and belief. I understand that submitting false or misleading information to the Consumer Financial Protection Bureau ( CFPB ) may result in legal consequences. 
I formally request that this complaint be reviewed and investigated, and that appropriate regulatory action be taken against Experian for the violations described herein. 
I consent to be contacted by the CFPB and relevant regulatory agencies for further investigation, clarification, or additional information related to this complaint. 
Additionally, I have attached a Sworn and Notarized Affidavit of Truth ( AOT ) to support my claims and to provide formal evidentiary documentation regarding the fraudulent misclassification of my disputes by Experian. 
Attachments : Sworn and Notarized Affidavit of Truth CFPB Complaint ID XXXX - XX/XX/year> XXXX - XXXX - XX/XX/year> XXXX XXXX XXXXXXXX - XX/XX/year>XXXX XXXX

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