I CALLED EXPERIAN XXXX/XXXX/15. The man I talked to was very obstreperous and difficult to understand. I asked why my credit score was not the highest when all of the reports stated payment never late. I tried to talk to him about a collection account from XXXX and said that it was years old and incorrect as it went back to the days of TV on my XXXX yacht which they were trying to charge me for equipment on the boat which had been paid for when I purchased the boat from XXXX XXXX. Discussions with XXXX XXXX indicated no problem, nothing was due. He seemed not interested and not willing to discuss why it was in there. He would not discuss any details about why my credit score was only XXXX instead of XXXX. All he would say is that it is very complex. When I asked to discuss it further he refused and said it is very complex. My credit score affects my cost of living in the interest rate credit card companies charge as well as the extent of credit they will issue and in many other areas such as my auto insurance rates and the insurance rates on the XXXX residences I own free and clear and I am sure in many other areas. I find it irresponsible that I can not talk to someone at Experian and give them pertinent information of income and resources that they should consider. It is not fair that they issue me a low credit score without any consultation with me personally when their actions affect my livelihood.