Consumer complaint received 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
CC : XXXX XXXX ( Experian - Group General Counsel ), XXXX XXXX ( Experian - Chief Compliance Officer ), CFPB, FTC Subject : Formal Response to Experians Mischaracterization of Dispute Demand for Compliance To whom it may concern, I am writing to formally address Experians improper and inaccurate classification of my disputes under CFPB Complaint IDs XXXX and XXXX. On XX/XX/year>, Experian issued two separate responses, both falsely designating my disputes as fraud-related. 
This is an outright misrepresentation of the facts and a direct violation of FCRA 1681i ( a ) and FCRA 1681e ( b ). At no point in these disputes have I alleged fraud, requested a fraud alert, or submitted any documentation indicating identity theft.

For absolute clarity and evidentiary purposes, the following documents are attached to this communication : A notarized Affidavit of Truth ( AOT ), which serves as a sworn statement supporting my claims and confirming that no fraud claim has ever been made by me in relation to these disputes.

Multiple FTC Fraud Reports, formally documenting Experians fraudulent misclassification of my disputes. These reports detail Experians deliberate misuse of fraud classifications as a tactic to evade compliance, obstruct regulatory oversight, and improperly close out valid CFPB complaints. 
These documents serve as official evidence that Experians classification of my disputes as fraud-related is factually false, legally indefensible, and constitutes a material misrepresentation of my claims. Further, the FTC Fraud Reports provide a formal record of Experians deceptive business practices, reinforcing the need for regulatory intervention and legal consequences. 
Absolute Denial of Fraud Misclassification Any Past or Present Fraud Designations Are False and Unauthorized At no pointpast or present, on or before XX/XX/XXXX, XXXXhave I alleged fraud, requested a fraud alert, submitted any documentation indicating identity theft, or authorized any classification of my disputes as fraud-related. No fraud claim has ever been made, or is currently being made, in connection with any disputes as of XX/XX/year>. 
Experians assignment of a fraud designation to my disputes is : Factually incorrect No statement, document, or action on my part has indicated fraud in any capacity.

Legally unjustified No provision under the FCRA, state consumer protection laws, or any other governing regulation permits Experian to arbitrarily classify a dispute as fraud without basis.

A material misrepresentation Any reference to fraud in relation to my disputes is demonstrably false and constitutes a direct mischaracterization of my claims.

Experian is Formally on Notice That : 1. No fraud designationpast, present, or futureis valid, warranted, or authorized in connection with any of my disputes filed on or before XX/XX/year>. 
2. No fraud-related classification has ever been requested, supported, or substantiated by any documentation I have submitted on or before XX/XX/year>. 
3. No fraud-related investigation, review, or designation is applicable, and any reference to such is a material misrepresentation of any dispute filed on or before XX/XX/year>. 
4. Experian has no authority, justification, or factual basis to apply a fraud designation to any disputes I have submitted on or before XX/XX/year>. 
Ongoing Documentation of Experians Misconduct Systemic Pattern of Regulatory Evasion I am actively tracking, documenting, and cataloging every instance where Experian fraudulently applies a fraud classification or any other manufactured justification to improperly close out valid CFPB complaints. This includes, but is not limited to : Each instance where Experian misclassifies my CFPB complaints as fraud-related to evade directly addressing the substantive issues raised in the disputes. 
Every case where Experian improperly closes out a valid CFPB complaint without providing a legally compliant response, citing fraud or another fabricated justification to avoid compliance. 
All responses from Experian in the CFPB complaint portal containing deliberate misrepresentations, procedural evasion, or fraudulent classifications that obstruct my ability to obtain an official resolution. 
Experians deliberate misuse of fraud designations and other deceptive tactics to obstruct regulatory oversight is now part of a fully documented pattern of systemic noncompliance and fraudulent dispute handling. Every instance is being compiled as evidence for federal and state enforcement actions. 
Legal Consequences Regulatory Violations and Enforcement Actions Any existing, continued, or future reference by Experian to fraud, identity theft, or any other manufactured justification used to improperly close or evade a valid CFPB complaint is : Categorically false, willfully misleading, and legally indefensible. 
A violation of federal and state consumer protection laws that govern dispute handling, regulatory compliance, and fair consumer reporting practices. 
Evidence of Experians systemic abuse of the dispute process to avoid accountability. 
This behavior constitutes : Regulatory obstruction and noncompliance with CFPB oversight.

Material misrepresentation under FCRA 1681i ( a ) and 1681e ( b ).

Unfair and deceptive business practices in violation of the FTC Act ( 15 U.S.C. 45 ).

Violations of the D.C. CPPA and California UCL for deceptive trade practices.

Every future instance of misrepresentation, fraud designation misuse, or CFPB complaint evasion will be added to an expanding record of regulatory violations and legal breaches.

Legal Consequences Regulatory Violations and Enforcement Actions Any existing, continued, or future reference by Experian to fraud, identity theft, or any other manufactured justification used to improperly close, misclassify, or evade a valid CFPB complaint is : Categorically false, willfully misleading, and legally indefensible. 
A direct violation of federal and state consumer protection laws governing dispute handling, regulatory compliance, and fair consumer reporting practices. 
Evidence of Experians systemic abuse of the dispute process as a strategy to avoid regulatory accountability. 
This behavior constitutes : Regulatory obstruction and noncompliance with CFPB oversight.

Material misrepresentation under FCRA 1681i ( a ) and 1681e ( b ).

Unfair and deceptive business practices in violation of the FTC Act ( 15 U.S.C. 45 ).

Violations of the D.C. CPPA and California UCL for deceptive trade practices.

Every future instance of fraudulent misclassification, CFPB complaint evasion, or procedural obstruction will be added to an expanding regulatory record for submission to : The Consumer Financial Protection Bureau ( CFPB ) for enforcement review. 
The Federal Trade Commission ( FTC ) under the Unfair and Deceptive Acts and Practices ( UDAP ) framework.

The U.S. Department of Justice ( DOJ ) Consumer Protection Branch for fraudulent misrepresentation.

State Attorneys General in Washington , D.C., and California for deceptive trade practices enforcement.

Experians pattern of misconduct is being actively tracked, compiled, and escalated for regulatory enforcement, legal action, and formal oversight investigations. 
Experians Fraudulent Misclassification Reputational Harm, Legal Liability, and Consumer Protection Violations Experians false classification of my disputes as fraud-related creates immediate and long-term reputational harm, legal exposure, and violations of consumer protection laws. A fraud designation, even when baseless, carries significant consequencesaffecting how financial institutions, regulatory bodies, and credit reporting agencies interpret and process my consumer data.

Experians misclassification is not a clerical error ; it is a material misrepresentation that threatens my ability to engage in financial transactions, dispute inaccurate information, and maintain a fair and accurate credit profile. This deliberate misrepresentation exposes Experian to civil liability for defamation, false light invasion of privacy, and violations of federal and state consumer protection statutes.

1. Defamation ( Libel ) False Written Statements That Harm Reputation Experians fraudulent misclassification has the potential to cause direct and substantial harm to my reputation, particularly if : This false classification has been shared with third parties, such as lenders, credit reporting agencies, or financial institutions.

It remains stored in Experians internal records, increasing the risk that it will be referenced in future disputes, investigations, or consumer reports.

The misclassification triggers unwarranted fraud-based scrutiny, affecting my ability to access financial services, secure credit approvals, or resolve disputes.

Even if not publicly disclosed, a fraud designation within the CFPB complaint system still creates a reputational risk by interfering with my ability to correct errors on my credit report and engage with regulators.

2. False Light ( Invasion of Privacy ) Creating a Misleading Public Perception Experians false fraud designation misrepresents my character and financial standing, placing me in a misleading and damaging context that could impact future regulatory and financial transactions.

A fraud designation inherently suggests wrongdoing and creates an inaccurate perception that I have engaged in fraudulent activity.

If lenders, banks, or other institutions treat me differently based on Experians misrepresentation, this could support a false light claim.

Experian has a legal duty to ensure that its classifications of disputes are accurate and not misleading, especially when fraud-related designations carry serious reputational and financial consequences.

3. Defamation by Implication The Harmful Effect of Fraud Designation Even if Experian does not explicitly state that I committed fraud, their fraud classification implies fraudulent activity. This creates serious legal and reputational consequences, as : Fraud-related designations inherently suggest misconduct and can influence how financial institutions assess my credibility.

Even an unsubstantiated fraud claim can trigger heightened scrutiny, denials, and financial restrictions.

Experian has a documented history of misclassifying disputes, further increasing the likelihood that this fraudulent classification will have lasting negative effects.

If Experian fails to immediately correct this misclassification, it increases the risk that this misinformation will negatively impact my reputation within the CFPB complaint system and my ability to submit lawful disputes against Experian.

By falsely categorizing my disputes as fraud-related, Experian is creating a misleading regulatory record that could improperly influence dispute outcomes, obstruct my legal rights, and prevent regulatory agencies from conducting an unbiased review of my complaints.

4. Consumer Protection Violations False and Misleading Business Practices Many state and federal consumer protection laws explicitly prohibit false or misleading statements that harm a consumers financial standing, creditworthiness, and reputation. Experians fraudulent classification of my disputes directly violates these protections, including : D.C. Consumer Protection Procedures Act ( D.C. CPPA 28-3904 ) : o Prohibits false representations and material omissions that mislead consumers or interfere with their rights.

California Unfair Competition Law ( Cal. Bus. & Prof. Code 17200 ) : o Prohibits fraudulent and deceptive business practices that cause reputational harm or financial damage. 
Fair Credit Reporting Act ( FCRA ) 1681e ( b ) : o Requires credit reporting agencies to maintain maximum possible accuracy in all consumer records, including disputes and internal classifications.

o Experians misclassification of my disputes violates this statutory requirement, making them liable for both negligent and willful noncompliance under FCRA 1681n and 1681o. 
Misclassification of CFPB Complaint ID XXXX Bad-Faith Attempt to Evade Compliance My complaint, CFPB ID XXXX, submitted on XX/XX/year>, was a formal demand for Experian to comply with its legal obligations regarding the suppression of my personal information. This complaint directly responded to Experians XX/XX/year>, at XXXX XXXX  EST email, which mischaracterized my suppression request, falsely invoked identity theft, and imposed baseless procedural hurdles that have no legal foundation under the Fair Credit Reporting Act ( FCRA ), the California Consumer Privacy Act ( CCPA ), or any other applicable law.

Experians response to this complaint falsely assigns a fraud designation where none exists. At no point did I allege fraud, request a fraud alert, or submit any documentation indicating identity theft. This misclassification is a deliberate attempt to obstruct the dispute process, misrepresent the nature of my request, and evade accountability for clear legal violations.

By falsely categorizing my complaint as fraud-related, Experian is engaging in willful misrepresentation and obstruction, violating multiple federal, D.C., and California consumer protection laws : FCRA 1681i ( a ) Failure to conduct a reasonable reinvestigation.

FCRA 1681e ( b ) Failure to ensure maximum possible accuracy.

FCRA 1681c-2 ( a ) Unlawful refusal to suppress s
ensitive personal information.

D.C. CPPA 28-3904 (

e ) & ( f ) False and material misrepresentations regarding consumer rights. California Consumer Privacy Act ( CCPA ), Cal. Civ. Code 1798.105 Failure to
comply with a consumers right to request suppression of personal data.

California Civil Code 1798.81.5 Failure to implement and maintain reasonable security procedures to protect consumer data.

California Civil Code 1798.110 Failure to disclose how consumer information is retained and used.

California Unfair Competition Law ( UCL ), Cal. Bus. & Prof. Code 17200-17210 Engaging in unfair, unlawful, and fraudulent business practices.

15 U.S.C. 1681n & 1681o Willful and negligent noncompliance with federal law.

This is not an oversightit is a calculated effort to evade regulatory scrutiny and suppress valid consumer claims. Experian must be immediately investigated for : 1. Deliberately misclassifying consumer disputes to evade compliance.

2. Engaging in deceptive practices to obstruct lawful FCRA and CCPA requests.

3. Systematically failing to protect sensitive consumer information as required by law.

Given Experians ongoing federal investigation for systemic FCRA violations ( CFPB Case No. 8:25-cv-24 ), this misclassification is further proof of their pattern of noncompliance and obstructionist practices. Their fraudulent dispute-handling tactics warrant immediate enforcement action, regulatory fines, and further legal scrutiny by both the CFPB, FTC, and California Attorney General. 
Misclassification of CFPB Complaint ID XXXX Deliberate Evasion of Compliance My complaint, CFPB Complaint ID XXXX, submitted on XX/XX/year>, was a formal notice documenting Experians blatant failure to comply with the 30-day response requirement under FCRA 1681i ( a ) ( 1 ) ( A ) for CFPB Complaint ID XXXX. This was not a disputeit was a regulatory escalation to document Experians statutory violation and continued refusal to comply with federal law.

Rather than addressing the clear violation, Experian falsely assigned a fraud designation to my complaint, which has no connection whatsoever to fraud, identity theft, or unauthorized activity. This is not an errorit is a deliberate and calculated attempt to misclassify my complaint to evade enforcement, conceal statutory violations, and obstruct regulatory oversight.

This type of misclassification is a bad-faith practice that directly violates federal, D.C., and California consumer protection laws, including : FCRA 1681i ( a ) Failure to c
onduct a reasonable reinvestigation.

D.C. CPPA 28-3904 (

e ) & ( f ) Material misrepresentation and omission of critical facts.

California Consumer Privacy Act ( CCPA ), Cal. Civ. Code 1798.105 Failure to comply with consumer rights to suppress personal data.

California Civil Code 1798.81.5 Failure to secure sensitive consumer information.

California Unfair Competition Law ( UCL ), Cal. Bus. & Prof. Code 17200-17210 Engaging in unfair, unlawful, and fraudulent business practices.

15 U.S.C. 1681n & 1681o Willful and negligent noncompliance.

Experian is knowingly engaging in obstructionist tactics to dismiss valid consumer complaints, conceal clear FCRA and CCPA violations, and evade financial and regulatory penalties. Given that Experian is already under federal scrutiny for systemic FCRA violations ( CFPB Case No.
8:25-cv-24 ), this misclassification is further evidence of their ongoing pattern of noncompliance and deceptive dispute-handling practices.

Documented Cases of Experians Fraudulent Misclassification of Disputes The following section provides a detailed list of all CFPB complaints where Experian has falsely classified my disputes as fraud-related or used other deceptive tactics to improperly close out valid complaints. This list will continue to be updated and expanded as additional instances of misconduct are documented. 
List of Affected CFPB Complaints ( all attached ) : 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. 
Experians deliberate misclassification of my disputes is not an isolated occurrenceit is part of a broader pattern of systemic misconduct. This fraudulent misclassification strategy is actively being tracked, documented, and compiled into a comprehensive legal and regulatory case. The ongoing documentation of Experians deceptive dispute-handling tactics will be presented in all formal regulatory complaints, legal actions, and enforcement proceedings Experians False Statements on a Federally Regulated Consumer Complaint Platform Violations of Federal, D.C., and California Law Experians deliberate misclassification of my disputes as fraud-related on the Consumer Financial Protection Bureau ( CFPB ) complaint portal is not merely a bad-faith procedural tacticit is an intentional misrepresentation made on a federally regulated platform, with supporting federal fraud reports ( FTC ), in direct violation of federal and state consumer protection and fraud laws.

This misconduct extends beyond mere procedural noncompliance ; it constitutes a knowing and willful submission of false information to a federal regulatory body regarding an ongoing consumer protection matter. Because these complaints were formally submitted through the CFPBs federally monitored complaint system, Experians actions may amount to : Fraudulent misrepresentation in federal regulatory filings. 
Obstruction of a federal consumer protection process. 
Deceptive business practices designed to evade regulatory accountability. 
These violations warrant immediate regulatory enforcement and legal action to ensure that Experian is held accountable for submitting false and misleading information on a federally monitored platform. 
Legal Violations Why This is a Major Federal Issue By knowingly submitting false information on a federal consumer protection platform and misrepresenting the nature of my disputes, Experian has violated multiple laws across federal, D.C., and California jurisdictions, including : 1. Federal Law Violations 18 U.S.C. 1001 False Statements to a Federal Agency o This statute makes it a federal crime to knowingly and willfully make false, fictitious, or fraudulent statements in matters within the jurisdiction of a U.S. federal agency.

o The CFPB complaint system is a federal regulatory platform, and Experians false classification of my complaints directly misleads a federal agency regarding their legal obligations under the Fair Credit Reporting Act ( FCRA ).

15 U.S.C. 45 ( FTC Act ) Unfair and Deceptive Acts and Practices ( UDAP ) o The FTC Act prohibits deceptive business practices, including false representations made in regulatory filings, consumer disclosures, or complaint responses.

o Experians fraudulent misclassification directly interferes with my rights as a consumer and obstructs the regulatory process intended to protect me from Experians violations.

FCRA 1681n Willful Noncompliance with Federal Law o The Fair Credit Reporting Act imposes liability for willful violations, including misrepresentations that obstruct a consumers right to a fair and lawful investigation.

o Experians intentional misclassification of my complaints as fraud-related when they are not constitutes willful noncompliance, which allows me to pursue statutory and punitive damages.

FCRA 1681s ( a ) ( 2 ) Duty to Provide Accurate Information to Regulators o Consumer reporting agencies are legally required to provide truthful and accurate information to federal regulators regarding disputes and complaint resolutions.

o Experians misrepresentation of my complaint status as fraud-related is an explicit violation of this requirement.

2. Washington, D.C. Law Violations D.C. Consumer Protection Procedures Act ( D.C. CPPA ) 28-3904 ( e ) & ( f ) False and Misleading Statements o The D.C. CPPA prohibits material misrepresentations and omissions of consumer rights, particularly in transactions involving consumer credit and reporting agencies.

o Experians fraudulent misclassification on the CFPB portal constitutes : A material misrepresentation of my dispute status to avoid legal compliance.

A deceptive business practice intended to obstruct regulatory enforcement.

D.C. Identity Theft Protection Act 22-3227.02 ( a ) Duty to Protect Personal Information o Experians fraudulent reclassification of my dispute as fraud-related contradicts the evidence I submitted and increases my exposure to further identity verification risks.

o This false designation may also interfere with my ability to take corrective action on my credit report by forcing unnecessary identity theft-related procedures upon me.

3. California Law Violations California Consumer Privacy Act ( CCPA ) Cal. Civ. Code 1798.110 & 1798.130 o The CCPA requires that businesses provide consumers with accurate records of how their information is used and reported.

o Experians false classification of my dispute as fraud-related violates my CCPA rights by misrepresenting the nature of my requests and failing to provide transparency regarding how my information is being processed.

California Unfair Competition Law ( UCL ) Cal. Bus. & Prof. Code 17200-17210 o The UCL prohibits unfair, unlawful, and fraudulent business practices, including : Submitting false or misleading information to regulators ( CFPB ).

Obstructing lawful consumer complaints through deception.

o Experians misrepresentation directly violates this law and exposes them to state enforcement penalties.

California Civil Code 1798.81.5 Failure to Secure Consumer Data o Experians fraudulent dispute classification places me at risk for further unnecessary fraud investigations while failing to address their obligations to suppress my personal data properly.

o By misrepresenting my dispute as fraud-related, Experian has actively failed in its duty to ensure the responsible handling of my personal information.

Why This is a Major Regulatory and Legal Issue Experians false statements on the CFPB portal, especially when FTC fraud reports were attached to my complaints, expose several layers of liability : 1. Obstruction of a Federal Consumer Protection System o The CFPB portal is a federal enforcement tool that relies on truthful submissions to regulate credit reporting agencies. 
o By knowingly submitting false information, Experian is undermining the integrity of a federal system designed to enforce consumer protection laws.

2. Attempted Evasion of Regulatory Penalties o Experians misclassification is a strategic attempt to avoid liability under FCRA, the D.C. CPPA, and CCPA.

o By labeling my complaints as fraud-related, they are creating a false justification for noncompliance with consumer protection laws.

3. Denial of My Consumer Rights Under Multiple Laws o Misrepresenting my dispute obstructs my right to a fair reinvestigation under FCRA 1681i ( a ), which ensures consumers have access to proper dispute resolution.

o Deceptive classification tactics directly interfere with my right to privacy and accuracy under both the D.C. and California consumer protection statutes. 
Experian has demonstrated a systemic and deliberate strategy of deception that is not only ethically indefensible but legally actionable. Their fraudulent misclassification of disputes on a federally regulated complaint platform, combined with the presence of attached FTC fraud reports, constitutes a direct attack on the integrity of the regulatory system designed to protect consumers. 
Experians Fraudulent Dispute Misclassification Aligns with the CFPBs Federal Lawsuit Systemic Pattern of Consumer Deception Experians misclassification of my disputes as fraud-related on the CFPB complaint portal is not an isolated eventit is part of a broader pattern of deceptive business practices that aligns directly with the Consumer Financial Protection Bureau ( CFPB ) lawsuit against Experian ( Case No. 8:25-cv-24 ). This lawsuit highlights Experians long-standing violations of consumer protection laws, including its failure to properly investigate disputes, its use of misleading consumer disclosures, and its obstruction of consumer rights.

The CFPBs case against Experian provides clear evidence that Experian has engaged in systemic misconduct, and my case directly reinforces the allegations raised in the lawsuit.

Key Allegations in CFPB v. Experian ( Case No. 8:25-cv-24 ) That Align with My Complaints The CFPB lawsuit against Experian identifies multiple patterns of deceptive and unlawful behavior that match exactly what I have experienced. These include : 1. Fraudulent Dispute Handling and Misclassification of Consumer Complaints The CFPB has accused Experian of : o Misrepresenting how consumer disputes are processed.

o Failing to conduct proper investigations.

o Using misleading classifications to avoid compliance with the Fair Credit Reporting Act ( FCRA ).

This is exactly what Experian did in my casemisclassifying my legitimate dispute as fraud-related to evade their legal obligations.

2. Obstruction of Consumer Rights Under the FCRA The CFPB lawsuit details how Experian obstructs consumer efforts to correct their credit reports by : o Providing inaccurate dispute responses.

o Imposing unnecessary procedural barriers.

o Failing to provide consumers with accurate information about their disputes.

Experian obstructed my rights in the same way by falsely claiming my dispute was fraud-related, knowing that this would delay or prevent a proper resolution.

3. Knowingly Providing False and Misleading Information to Consumers and Regulators The CFPB has accused Experian of : o Misrepresenting its dispute process to consumers and federal regulators.

o Providing misleading or incomplete information about dispute resolutions.

o Manipulating consumer complaint responses to minimize liability.

Experians false fraud designation on my CFPB complaints is another clear example of this type of misconduct.

They knowingly submitted false information to a federal platform ( CFPB ) while attached FTC fraud reports were present, making this a serious violation.

4. Violations of Federal Consumer Protection Laws, Including the FCRA and UDAP The CFPB lawsuit charges Experian with : o Failing to comply with FCRA 1681i ( a ) by not properly investigating disputes.

o Engaging in unfair and deceptive acts and practices ( UDAP ) under federal law.

o Providing misleading information in federally monitored complaint systems.

This mirrors what Experian did in my caseknowingly filing false dispute classifications in a federal consumer complaint system.

My Dispute Experience is Direct Proof That Experians Violations Are Ongoing Experians actions in my experience provide real-time, documented proof that they are still engaging in the misconduct outlined in CFPB v. Experian ( Case No. 8:25-cv-24 ). Their fraudulent misclassification of my dispute is an escalation of their deception, as it involves knowingly submitting false information to a federal complaint system. The CFPB, FTC, and state regulators must act swiftly to prevent further consumer harm and impose additional financial penalties for these violations.

Experians systemic pattern of misrepresentation, obstruction, and deception is now well-documented in both the CFPBs lawsuit and my direct complaints. The next step must be immediate regulatory enforcement to hold them accountable for their continuous abuse of consumer rights and the law.

Immediate Corrective Action Required to Prevent Further Harm Given the serious risk of reputational damage, obstruction of lawful disputes, and regulatory harm, Experian must take immediate corrective measures to ... .... CONTINUE READING FULL COMPLAINT AT " Formal Response to Experians Mischaracterization of Dispute Demand for Compliance.PDF ''

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