I believe that the XXXX credit bureaus are grading my credit report in a discriminatory XXXX and allowing companies to add negative items that are inaccurate and are not being properly varified by the credit bureaus. Which has caused my credit score and report to suffer as a result. And, cause me hardship in my personal finances. Which has allowed lenders to disqualify me for different loan products, such as credit cards and home loans. So basically, it 's not lenders being discriminatory, it 's the credit bureaus. Because the are not making companies report adequate evidence to prove the the validity of the claims, which they would not do to other Americans consumers.