My FICO score has been dropping ever since the Federal Reserve began debating raising the bank interest rate a few months ago. Because there is no logical explanation for the drop, I believe the XXXX major credit reporting agencies are manipulating ( i.e., artificially lowering ) consumers ' scores to prepare for the rate hike. I am asking that the CFPB investigate this matter as soon as possible. 

( I understand that my complaint does not actually belong on this form. When I tried to explain that no form fits my complaint to a CFPB person, staffing the hotline, she directed me back to this form. )