Absolutely. The cream is curdling from being cooked too long and too hot. It's entirely a matter of temperature, temperature management and technique. Chef Ed touched on this.
In my opinion, the creme fraiche isn't a problem.
The proper way to cook potatoes in a gratin with cream and/or creme fraiche is to LOOK. I know it sounds silly, but there you go. That's cooking. You have to watch those spuds closely when they're "nearly done." As soon as you see little drops of yellow coming up the sides, you get that gratin out of the oven whether it's brown on top or not. That yellow is the butter fat beginning to separate out of the cream, i.e., curdling -- and that is the exact right moment to remove. You can cook at a lower temperature, or different rack, or try one of a number of different tricks to get a little more cooking time on the potatoes and/or a little more browning on the top -- but those things are incidental.
Yellow spots -- out it comes.
The name au gratin has a meaning in American restaurant service that it does not have in French. That's why you're hearing about cheese. You're making a gratin of potatoes and have permission to call it what you will, as well as to use creme fraiche which is not only a perfectly good ingredient but traditional in dishes of this type as well.
Let it set up outside of the oven for five minutes, run it under the broiler to brown the top, and you can call it a gratinee. That will confound them.
The whole bechamel/flour thing does help hold the cream together, but it's more of a commercial trick, and shouldn't be necessary for a home cook who has the luxury of doing only two or three things at a time. Attention is one of the luxuries home cooks have, and watching the finish is better.
Let me know how this works for you, and for heaven's sake take a gander at my newest blog entry and let me know what you think. Please.
BDL