Consumer complaint received 2025-08-16 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: CA

Complaint narrative:
Demand for Investigation Experian Fraud, FCRA Violations, and Unfair Arbitration Conduct XXXX XXXX  Case No. XXXX ) To : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX DC XXXX From : XXXX XXXX XXXX XXXX. 
Email : XXXX -- - Introduction I am submitting this formal complaint requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate Experian Information Solutions , Inc. ( Experian ) and the XXXX XXXX XXXX XXXX XXXX ) for conduct that violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 16811681x, the Consumer Financial Protection Act of 2010 ( Title X, Dodd-Frank Act, 12 U.S.C. 5531, 5536 ), and the California Consumer Credit Reporting Agencies Act ( CCRAA, Cal. Civ. Code 1785.11785.36 ). 

This matter arises from XXXX XXXX XXXX. XXXX, where on XX/XX/XXXX, XXXX XXXX XXXX issued an award in Experians favor despite overwhelming evidence of fraud, procedural misconduct, and disregard of consumer protection law. 


-- - Background I brought claims against Experian for violations of the FCRA and XXXX. Despite properly submitting evidence and objections, the arbitration process was corrupted by misconduct both by Experian and the arbitrator. These actions raise systemic risks that go beyond my case and threaten nationwide consumer protections. 
-- - Specific Violations 1. Evident Partiality FAA 10 ( a ) ( 2 ) ; XXXX XXXX XXXX The arbitrator failed to disclose repeat appointments and financial ties with Experian. This creates structural bias in consumer arbitrations, undermining FCRA enforcement and contravening AAAs own disclosure rules. 

XXXX. Fraudulent Evidence FCRA 1681n, 1681o ; Cal. Civ. Code 1785.31, 1785.25 Experian submitted a fabricated FTC Identity Theft Report, which the FTCs XXXX XXXX XXXX XXXX confirmed I never filed. 

Submitting falsified government documents in dispute resolution constitutes willful misconduct under FCRA 1681n, negligent violation under 1681o, and unlawful furnishing of inaccurate information under XXXX XXXX ( a ). 


XXXX. Misconduct in Procedure AAA Rules R-22, R-23, R-34 ; FAA 10 ( a ) ( 3 ) On XX/XX/XXXX, Experian uploaded XXXX pages of exhibits XXXX to the AAA portal without serving me, violating XXXX process and AAA Rule XXXX ( exchange of information XXXX XXXX This denied me a meaningful opportunity to review and rebut evidence. 

XXXX. Failure to Apply Controlling Law FCRA 1681i, 1681e ( b ) ; Cal. Civ. Code 1785.16 Despite my evidence and arguments, the arbitrator refused to apply controlling statutes requiring : Reasonable reinvestigations ( 1681i ; Cal. Civ. Code 1785.16 ) Maximum possible accuracy of consumer reports ( 1681e ( b ) ) This refusal exceeded arbitral authority under FAA 10 ( a ) ( 4 ) and permitted Experian to avoid its statutory obligations.

5. Ongoing Financial Harm FCRA 1681n, 1681o ; CCRAA 1785.251785.31 Because of Experians misconduct, my credit file has remained frozen for over a year, denying me access to credit, business loans, and opportunities. I have suffered over {$2.00} million in measurable financial damages in addition to reputational and emotional harm. 


-- - Why This Matters to the CFPB Systemic Consumer Harm : If Experian can submit fraudulent evidence in arbitration without accountability, all consumers are at risk. 

Failure of Oversight : AAAs allowance of these abuses undermines confidence in arbitration as a lawful forum for consumer disputes.

Broader Risk : The practices here are not isolated but part of a systemic pattern, violating the CFPBs authority under 12 U.S.C. 5531, 5536 to prohibit unfair, deceptive, or abusive acts or practices ( XXXX ). 



-- - Requested XXXX XXXX to the CFPBs statutory authority, I respectfully request that the Bureau : 1. Investigate Experian for : Willful and negligent FCRA violations ( 1681n, 1681o ) Failure to reinvestigate disputes ( 1681i ; Cal. Civ. Code 1785.16 ) Failure to ensure maximum accuracy ( 1681e ( b ) ) Furnishing false information ( XXXX XXXX ) XXXX. XXXX AAAs consumer arbitration practices to ensure compliance with federal and state consumer laws when credit reporting agencies are parties. 


XXXX. Exercise CFPB enforcement authority under Dodd-Frank 5531 and 5536 to bring actions against Experian for engaging in unfair and deceptive practices.

4. Forward this complaint to all appropriate divisions within the Bureau, including : XXXX XXXX XXXX XXXX XXXX XXXX Fair Lending XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- - Conclusion This case exemplifies the type of consumer exploitation and systemic misconduct that XXXX intended the CFPB and FCRA to prevent. Allowing Experian and XXXX to operate without accountability threatens the integrity of consumer reporting nationwide. 

I respectfully request a written acknowledgment of this complaint and confirmation that it has been forwarded to the appropriate CFPB enforcement offices. 

Thank you for your attention. 

Sincerely, XXXX XXXX XXXX XXXX. 
Email : 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