Consumer complaint received 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK
State: CA

Complaint narrative:
I have for some time been requesting from Discover card for payments made be reported to all three credit agencies experience XXXX  and XXXX  they started out reporting to XXXX  and XXXX  they removed reporting to transunion completely also they made a very serious area saying that our payment of {$4.00} was late that was not true they had to go back and rectify it after they had to go back and rectify it they. They put in an off-cycle report without my authorization showing a balance nobody requested that then they stop reporting on my credit report but not the primary user which is my daughter I'm an authorized user because I asked for it to be reported to experience and I kept following up I start running in the problems never ever got it reported to XXXX  as XXXX It wasn't reported on my daughter 's behalf who's the primary user to XXXX  until she had to call once I brought it to her attention she found the same issue and complained now it's being reported on her credit report but not mine. Please note I was also told that they don't report to XXXX  come to find out that's not true It stated on their website as well as in their terms and conditions which I have also read even as an authorized user.. I have continuously had problems and as of to this very day it is not being reported to all credit major credit agency such as XXXX  XXXX  and XXXX  also because they removed it from XXXX  I took a very large hit a decrease in my credit scoring... I believe and feel I'm being targeted, and it's supposed to have been sent to a higher management within the corporation and our rights are being violated and there's some form of discrimination or something that's going on here terrible. We're honest people and good paying customers both my daughter and I as authorized user and as a non-authorized user on this particular account I hold good status in a payment history... Discover credit card XXXX SCORE REPORTING AGENTS has caused me harm and all I requested was for it to be reported to all three credit bureaus they claim they were investigating this has been going on for almost 6 months now especially where Experian is concerned and have removed and stop reporting for me all together... Which is definitely a form of discrimination There's no reason for this and I'm constantly getting thrown off by telling me Oh we sent you a letter in the mail Oh we sent your daughter a letter in the mail neither XXXX of us have received anything and anything pertaining to my personal information should have been just sent out that way to me at my home address which they have on file from the very first date I was included as an authorized user this says been totally unnecessary and unfair to me I'm not trying to create a problem I'm trying to resolve an issue that under the FCRA I have done nothing wrong or violated anything and I had every right to request it for great consumers but that department needs to be fully investigated.

Company response to consumer: Closed with explanation