Of the XXXX agencies only Experian showed on my annual credit report that I owed money to a debt collector which I never did owe in the first place. Their website gave me an opportunity to dispute the findings so I did and a few days later they sent me the same credit report again with the word 'updated ' on it but the debt was still on the report. So I sent a letter to the debt collector asking them to tell Experian that I did n't owe any money. I waited a XXXX. I could not figure out how to find out if the debt had been removed by way of Experian 's website. It is impossible to conduct nonstandard business with Experian through their website. So I wrote a letter to Experian and included in the letter all the personal information that they needed to validate my identity including my social security number, a copy of my driver 's license and a copy of my electric bill. XXXX days later they sent me a letter claiming they had received a suspicious letter in the mail concerning my credit report and that in effect they would no longer conduct any business with me through the mail. That was a XXXX and a XXXX ago and I have n't heard from them again. My overall experience with Experian has been that any complaint that I make to them is just thrown back in my face by a computer. I think they are trying to sidestep my complaint either because it is an inconvenience for them to repair my report or because they hope to get money from me in return for repairing my credit report.