Product: Credit reporting, credit repair services, or other personal consumer reports

It would appear that Experian Credit reporting has taken liberty into who can get a loan for a house and who can not, Simply by reporting false information to lenders. For instance 1 year ago i was going rounds with XXXX while trying to get my house refinanced becasue of a balloon payment that XXXX XXXX set me up with 15 years ago, Needless to say i almost lost my house thanks to XXXX 's lies and a corrupt loan officer at XXXX XXXX XXXX XXXX  double slammed me with 2 credit checks, knocking my score down even more, then while in my refi period, XXXX took over a month to get back with me on my loan, which then put my loan payment behind, After trying to make a payment to keep my loan current they wouldnt accept my payment, and reported me 30/60/90 days late, unitl i reached default. They managed to drive my credit score down from XXXX to XXXX. I feel XXXX XXXX  work together in foreclosing houses. But luck would have it, My Mother-N-law gave me the money to pay off my house in full. Thank god. But having been through all of that mess i have become very leery of Credit reporting agencies, especially Companies that dont even try to damage ones score, they just lie about it for some reason, control I think. So here is my problem with Experian, after paying my house off in full, they showed this as negative impact on my credit score, I am thinking after paying XXXX XXXX XXXX on a mortgage that it would be a good indication that i pay my bills, right. Next issue, i had 3 credit cards that added up to XXXX XXXX in debt, never late and long history with two of them, Well i paid those off in full, So now no credit card debt, and i only owe XXXX XXXX on my auto loan and Experian is showing me late on 2 accounts, which is wrong, Their status on a fraud bill from tmobile that went to collections because i closed my XXXX account, and XXXX still billed for 2 months after i had cancelled. They are stating that it went into default judgement, Wrong again, i paid the bill, but they still reported me to collections, nice. On XX/XX/XXXX Experian showed my XXXX XXXX XXXX, At that time i had XXXX dollar debit, Now today Experian shows me at XXXX, with XXXX in debit which is wrong again, should be XXXX total debit. I have disputed so much that they said i couldnt dispute anymore, But they are going to reduce my score because i paid off XXXX in debit, this is a violation of my fair credit report, clear and present wrongful reporting, this is what they had to say on a recent inquire for a Home equity line of credit. 1. Ratio of balance to limit on bank revolving or other accounts is too high, 2. Time since delinquency to recent or unknown.?? 3. Number of accounts with delinguency,???. 4 Portion of loan balance to loan amounts to high.??? Experian should be investigated again for wrongful reporting.They got me denied on my loan. I worked hard to pay off my debit, even during a pandemic, And this is how i am rewarded. They were just sued for 22 million doallrs, so I think they havnt learned a lesson yet, but you would have thought so. XXXX is just like Experian, the only true reporting Company is XXXX. I dont understand why a company based in the U.K. can toy with U.S. citizens credit reports, I feel this should only be allowed by U.S. founded and based companies.