I applied to the XXXX XXXX XXXX credit card and was denied based on information was obtained from Experian credit reporting agency. 
I tried to obtain a copy of my report and was denied, I tried to talk to a live person, but Experian do not have that as an option. 
I have the right to know what information on my report, and Experian has the obligation to give that information. 
If Experian do not have a live person to respond to customer concerns, they should not be in position of being a credit reporting agency. 
it is like getting one side of the story. 
denial letter reference number XXXX, XXXX2015www.experian.compo.XXXX, XXXX, TX XXXX