In XXXX I applied for a short term loan with my financial institution XXXX XXXX XXXX XXXX XXXX XXXX. I have been a member of this banking organization for 40 years. The application was not approved, due to a credit report received from Experian. Several visits to the credit union attempting to resolve this issue were unsuccessful. I was advised that this was an issue which I needed to address personally. I submitted a dispute on-line and a phone call but continued to get the same results. After complaining to my credit union again, they submitted a formal dispute to Experian, because they should have been listed on the credit report. Final results was on last week produced promising resolution. After three ( XXXX ) months of disputes, someone discovered the truth.