This is a issue regarding multiple shortcomings in the credit reporting process. On XXXX XXXX, 2015 I ordered my XXXX credit reports and score from Experian. The Equifax score was over XXXX points lower than the other XXXX credit bureaus even when computed by the same scoring model. No one can tell me why the score is so much lower even when the information in all XXXX bureaus is nearly identical. The experian credit factors also states that negative factors include the fact that my oldest account is less than 6 months old and that I am behind on my mortgage ( There is no delinquent mortgage reported anywhere on my credit report and the oldest open account is over a year old ). The same XXXX inaccuracies are also present on the XXXX record. These credit reports also list several credit inquiries that I have disputed many times and each time the dispute comes back stating that " then entry is of factual record '' and the inquiries have not been removed. There are several inquiries that I have not authorized and are having a negative impact on my credit quality and there should be a way to get these inquiries removed if they were not authorized. These inquiries include XXXX XXXX/XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX I. I have disputed these entries more than once and have even tried tracking down phone numbers for each the creditors of which is just a endless loop of phone calls and transfers to departments that have no way to look up any record of me applying for credit with each respective lender. There is also just a blatent disparity of data accuracy across the reports with for example XXXX bureau reporting a account open and another reporting the account closed on a loan which was paid off years ago. When a consumer disputes this information sometimes the info is fixed but more times than not the dispute is left unresolved and at times when disputing these entries there is a text box within the dispute that only gives me a few XXXX characters to describe dispute which is no where long enough do describe all of the information that needs to be corrected. 
