I attempted to access my experian credit report and a message came on, I could not access my credit report at this time. I placed a fraud alert on my credit reports 2 days ago I 'm not sure if that has anything to do with their refusal to let me access my credit report at experian. 
XXXX sent me a letter declining my request for credit and stated their decision was based on information from an experian credit report, if I ca n't access the report how can I dispute any problems?