Consumer complaint received 2024-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: DISCOVER BANK
State: GA

Complaint narrative:
I have an account number XXXX XXXX XXXX XXXX that was opened on XX/XX/year> with a balance of {$0.00} that is NOT reporting to my XXXX CREDIT FILE. My account is supposed to report to all 3 credit bureaus, and its NOT reporting to XXXX. I have requested for this account to be added to my XXXX credit file over 3 times and its still not updated to XXXX. This account needs to be RE-INSERTED back to my equifax credit file. A case was started with employee XXXX in the executive office of advocacy on XXXX and she was supposed to have sent a RE INSERTION request to the credit bureau team at discover. I have contacted the XXXX office to get updates regarding the re-insertion, but XXXX has not been in the office. Then every time I speak to someone else In the executive office, I get employees with nasty attitudes named : XXXX XXXX XXXX who are giving me conflicted information. A supervisor in discover customer service sent a re-insertion request form to the credit team at discover on XXXX. A employee in the credit bureau team at discover named : ( T.KATZ ) put a note on the account on ( XXXX ) that she investigated the case. She stated that : THE ACCOUNT IS REPORTING TO ALL 3 CREDIT BUREAUS & THE ACCOUNT IS ( SUPPRESSED WITH XXXX ) and that there is nothing else that need to be done! WHICH IS A LIE! The account is NOT on my XXXX CREDIT BUREAU & IF SHE DID HER JOB CORRECTLY! If she wouldve looked at my credit file and did a thorough investigation she would see that the account is NOT reporting to XXXX CREDIT BUREAU. She literally notated that ( SHE RECEIVED NOTIFICATION BACK FROM XXXX and all 3 credit bureaus that the account is reporting ) WHICH IS A COMPLETE LIE! If I can see that the account is NOT reporting to XXXX CREDIT BUREAU ON MY END AND IF XXXX CREDIT BUREAU CONFIRMED THAT THE ACCOUNT IS NOT REPORTING NUMEROUS OF TIMES TO MY CREDIT FILE. Then the employee in the credit bureau team at discover named XXXX XXXX XXXX can most definitely see that the account is NOT reporting on my credit file. That employee needs to be FIRED from discover for lying about my account being reported and not doing her JOB! This is the department that is supposed to resolve all issues regarding a customers account NOT REPORTING TO A CREDIT BUREAU! So how is the account going to be RE INSERTED TO XXXX when the CREDIT BUREAU TEAM ( AT DISCOVER ) IS NOT DOING THEIR JOB?! The credit bureau team at discover is supposed to VERIFY if the account is not reporting to XXXX credit bureau by doing a soft pull on my credit file so they can PHYSICALLY SEE THAT THE ACCOUNT IS NOT REPORTING TO MY CREDIT FILE. It is also IMPOSSIBLE that the employee ( T.KATZ ) received notification from XXXX credit bureau that the account is reporting on my credit file. DUE TO THE FACT IS IT NOT REPORTING TO MY XXXX CREDIT FILE AT ALL! I have been getting the run around, lied to, giving the wrong information, and having employees that are LYING about my account being reported to XXXX credit bureau. This entire situation have me extremely upset and distraught regarding how the employees at discover are handling this situation at hand. Please submit a RE-INSERTION REQUEST to XXXX credit bureau so this account can be added back to my credit file asap.

Company response to consumer: Closed with explanation