yes phone, utilities, hospitals, doctors pretty much anybody with your personal info can report to credit agencies.
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Credit card processing companies have telephone numbers that will vary from country to country. For the best method of determining how to reach your own credit card processor, you can find the phone number on the back of your credit card.
One can find the phone number for Experian on their website, and use it to order their free annual credit report. Alternatively, they can also fill out an online form, or physically mail a form to request their free annual credit report.
Experian Credit can easily be contacted via the phone or email. Additionally, one can visit experian Credit and ask for a free report in person. The very best way of all however is to submit a credit request online.
You can always dispute these things, but proving the rating wrong will take you providing proof to the credit reporting agency. Better yet, get a Trac phone and have a phone number available.
7 years or change your name and move to mexico