Unjustified Credit Score Discrepancy

I am writing to formally dispute the significant discrepancy in my credit score. My Experian score is 607, while my TransUnion score is 731 and XDS score is 711. This is highly concerning, as I have maintained consistent payments since September 2023.

I app**** for a loan, and my score dropped 31 points, which I understand can happen. However, after settling the loan within a month, my score has not recovered at all. In fact, my score was higher last year (680) when I used CreditExpert before it was discontinued. It is unreasonable that my credit score is now classified as below average, despite responsible financial behavior.

I have also observed that individuals with worse payment histories have significantly higher scores, raising concerns about the fairness and transparency of your scoring model. This situation suggests potential bias or unfair reporting practices.

I request an urgent review of my credit report, an explanation of this inconsistency, and confirmation that my loan settlement has been correctly reflected.