It happens because the problem is poorly framed. There's no reason you should have a relationship with Experian. It has a relationship with credit grantors. If

It happens because the problem is poorly framed. There's no reason you should have a relationship with Experian. It has a relationship with credit grantors. If they falsely report information about you to credit grantors to your detriment, it seems like they should be liable for libel.