I was denied a loan because Experian did not release the exact information regarding XXXX disputed derogatory items on accounts already paid and closed ( XXXX of them It 's almost XXXX years old ). It was also inaccurate regarding proportion on loan balances vs amounts I owe due to the fact that practically all of my credit cards have very low balances .On the dispute I mentioned above the other XXXX major credit bureaus deleted the negative information upon request except for Experian that failed to see the fact of an individual with a very good credit history and record of paying on time