When you pull your own credit report it does not show up as a hard inquiry like it does when a creditor pulls your credit. hard inquiries can be damaging to your credit score. That is why we have you pull it with companies like annualcreditreport.com, creditchecktotal.com, privacyguard.com, myfico.com. There are others as well.
The credit bureaus like to use this tactic to stall your requests. At times they even try to scare you by saying there may be fraud happening on your report. It takes money to process these disputes and it is an expense that the bureaus do not want or like. That’s why they make it particularly easy for you get
Anything on your report that is not reporting accurately and completely. It is your right as a consumer to make the creditors validate your accounts. It is your right to make the credit bureaus verify that the information they are getting from the furnishers(creditors) is accurate and complete.