I wrote Experian because after talking with a mortgage person he said there were problems with my credit report so he had me go to a web site and get my reports. He told me where to find a simple form letter on line and to write the credit bureaus with my questions. Experian sent me a letter saying my letter was suspicions and they refuse to help me. 
I believe since I am a XXXX they are discriminating against me. I am educated and know my rights. I have read what they are.