GREENVILLE, S.C. – The three major credit reporting bureaus hurt consumers by allowing some credit card issuers to not report their cardholders' credit lines, according to a lawsuit filed by a Greenville, South Carolina man.

This hurts consumers, William Harris Sr. charged, because it lowers the consumer's score thus making it more difficult and expensive to get credit.

"It makes it appear that many, if not most, Capital One credit card customers have used up more of their available credit than is actually the case, thereby lowering their credit scores," Harris' said in his complaint against Experian. "Given this harsh reality, Experian has, by including Capital One's incomplete and misleading information in consumer reports on Capital One customers, systematically violated the FCRA [Fair Credit Reporting Act] by failing to follow reasonable procedures to assure the maximum possible accuracy of those reports."