I contacted Quicken Loans regarding getting a pre-approval for a loan (to speed up the closing process on a house I'm looking at). I had run my credit reports through Experian (all three bureaus), and was showing no score under a 620 (Experian - 649, Transunion - 658, Equifax - 641).
Needless to say, after spending 15 minutes on the phone with someone who sounded like a used car salesman, I was asked to consent to my credit being checked. I consented, and waited for a few minutes, only for Matt to come back on the line and tell me that my credit score is showing a 513 according to them. When I stated that the information is wrong, as I'm looking at my current scores (pulled on 08/11/14 @ 9:48PM EST) and none are under a 640. Matt, then started to get slightly hostile, and was telling me that I have only one credit card showing on my report and it's less than a year old, as well as several medical bills.
Once again, I stopped and corrected him again, pointing out that I am looking at my own reports, and that I do have a credit card that I just got which is less than a year old, however I do have a credit card which has been on the account (and active) since 2004. I explained that the medical bills which are showing do not belong to me, but showed up a few months after my wallet was lost and they have been being disputed for several months. At this point Matt, proceeded to tell me that he's also showing a birth date of June 26 1981 (which isn't anywhere close to my birthdate, and doesn't show up on my credit reports anywhere).
When I asked which bureaus he was pulling from, I got an "all three" answer (which is a lie, as the information would have matched in that case).