I find it categorically disgusting that credit reporting companies have such absolute and total control over your ability to EXIST in this world, but have absolutely zero accountability for this power they hold over you.

Take for example, Experian. I have to create an online account with them. I fill out all the information they require, but it says they can't verify me. I try THREE TIMES, making extra careful that I was accurate in the information I provided. Won't verify. So I call the number they give you.

No person answers of course. You get some awful automated system that asks you what you want. I tell them I need to verify my account online. It doesn't understand. I try again. THE SYSTEM HANGS UP ON ME.

I go through this crap TWO MORE TIMES, trying to rephrase it in different ways. Not even saying "REPRESENTATIVE" works. So I have to Google for a different number. I call it, get connected with customer service, who proceeds to ask me numerous questions. I answer each question accurately... even looking up specific amounts online to make sure I'm correct. Doesn't matter. I'm told that I answered one of the questions wrong. EXCEPT I DIDN'T. I VERIFIED EVERY DANG ANSWER IN REAL TIME.

So what now? NOTHING! THAT'S WHAT! The rep was going to escalate my to somebody, but their manager refused to talk with me because I answered a question wrong? Again, I didn't. BUT ISN'T THAT WHY YOU TALK TO A MANAGER IN THE FIRST PLACE?!? So what now? Wait 72 hours and try again. I'm not even joking.

I've wasted 40 minutes dealing with Experian, got nowhere, and have to call back... at which point they'll likely find a way to deny verification AGAIN.

How is this legal? If this company has this kind of power over me, they shouldn't get to blow me off when I need help. When a company has this kind of power over me, they should be REQUIRED to resolve stuff like this BY LAW.

Then again, a company shouldn't have this kind of power over me in the first place.