Credit Card Not Showing Up on Experian Credit Report

[marissa07]

Hi guys,

First of all, thanks so much for reading my post.  I have tried every venue I can think of, and as a last resort, I am posting this question here.  I would appreciate any help/advice you can give me.

I noticed that my Discover Card account was not showing up on my Experian credit report last June.  I had this card for the last 10 years and it had always showed up on Experian report in the past with no problem, so I thought it was just a small glitch and contacted Discover Card to continue report my account to Experian.  A few months later, I pulled my latest report from Experian and still no Discover Card on my report.  I called Discover Card and asked to speak to the specialist and she ensured me that she would personally send a request to Experian.  She even checked back with me and said she received a confirmation from Experian, which indicates that her request was received successfully.  A couple months later, I pulled another latest report from Experian and still no Discover Card.  I, then, called Experian Dispute center and was told that Experian does not have any record of receiving any request from Discover Card.  I called the Discover Card's specialist right after, and she was as puzzled as I was why this issue had not been rectified and said she never experienced anything like this before, and said she would submit "off-cycle" request to Experian to see if that works this time.  

At that point, I was losing faith in both Discover Card and Experian, so I decided to take matters into my own hands.  I gathered all the pertinent documents that verify that I am indeed a cardmember of Discover Card (an official letter from Discover Card verifying me a card member, last 3 months' Discover card bills, a photocopy of my Discover card, my old Experian reports that correctly showed my Discover card account etc).  A couple days ago, I have received a letter from Experian saying that they cannot process this request from a private party, i.e. me and they can only process this type of inquiry if they receive it direclty from the credit card company.

I am so frustrated!  I already had the specialist at Discover Card to contact Experian twice!

BTW, I am having this issue with Experian only -- both TransUnion and Equifax reports show this account with no problem.

I trust that Discover card is sending my account information to Experian, and at the same time, I have no reason to believe that Experian lies to me that they have not received any request from Discover card when they in fact did.  I can only suspect that there must be some kind of broken chain of communication between Experian and Discover card, but I have no idea exactly what it is and how to fix it.

What should I do? This particular card is in a perfectly good standing and happens to be my oldest credit card, and with it missing on my report, my credit length is unfairly shortened and affects my credit score negatively.  I have worked very hard to raise my score and to have it ruined by something that is not even my fault, I feel so frustrated.  I feel like I have done everything I could think of to fix this problem and I'm stuck.

Is there any way that Discover card and Experian can communicate directly on the phone regarding this issue?  I am guessing that the specialist at Discover card just have been submitting a request via fax or online, but obviously that has not been helping, and last time we communicated, the specialist said, if this "off-cycle" request does not work either, she's afraid that she may have run out of options.  I found that very irresponsible... I mean, what if she was going through the same issue herself.. would it be that easy for her to just shrug it off and move on?  What if it was the president of Discover card company?  If something like this happened to him, I'm sure Discover card would do whatever it takes to fix this problem with Experian, right?  So, I am convinced that there is a way that Discover card can directly communicate with Experian over the phone regarding this issue, but next time I talk to the specialist, I may have to push her harder to do that.  Or should I write a letter to Experian Distue center again and ask for a phone # of someone over there that the specialist at Discover Card can directly talk to?

Any suggestion/tip/advice would be greatly appreciated.

Thanks so much for reading a long message.

[thom02099]

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@marissa07 wrote:

Hi guys,

First of all, thanks so much for reading my post.  I have tried every venue I can think of, and as a last resort, I am posting this question here.  I would appreciate any help/advice you can give me.

I noticed that my Discover Card account was not showing up on my Experian credit report last June.  I had this card for the last 10 years and it had always showed up on Experian report in the past with no problem, so I thought it was just a small glitch and contacted Discover Card to continue report my account to Experian.  A few months later, I pulled my latest report from Experian and still no Discover Card on my report.  I called Discover Card and asked to speak to the specialist and she ensured me that she would personally send a request to Experian.  She even checked back with me and said she received a confirmation from Experian, which indicates that her request was received successfully.  A couple months later, I pulled another latest report from Experian and still no Discover Card.  I, then, called Experian Dispute center and was told that Experian does not have any record of receiving any request from Discover Card.  I called the Discover Card's specialist right after, and she was as puzzled as I was why this issue had not been rectified and said she never experienced anything like this before, and said she would submit "off-cycle" request to Experian to see if that works this time.  

At that point, I was losing faith in both Discover Card and Experian, so I decided to take matters into my own hands.  I gathered all the pertinent documents that verify that I am indeed a cardmember of Discover Card (an official letter from Discover Card verifying me a card member, last 3 months' Discover card bills, a photocopy of my Discover card, my old Experian reports that correctly showed my Discover card account etc).  A couple days ago, I have received a letter from Experian saying that they cannot process this request from a private party, i.e. me and they can only process this type of inquiry if they receive it direclty from the credit card company.

I am so frustrated!  I already had the specialist at Discover Card to contact Experian twice!

BTW, I am having this issue with Experian only -- both TransUnion and Equifax reports show this account with no problem.

I trust that Discover card is sending my account information to Experian, and at the same time, I have no reason to believe that Experian lies to me that they have not received any request from Discover card when they in fact did.  I can only suspect that there must be some kind of broken chain of communication between Experian and Discover card, but I have no idea exactly what it is and how to fix it.

What should I do? This particular card is in a perfectly good standing and happens to be my oldest credit card, and with it missing on my report, my credit length is unfairly shortened and affects my credit score negatively.  I have worked very hard to raise my score and to have it ruined by something that is not even my fault, I feel so frustrated.  I feel like I have done everything I could think of to fix this problem and I'm stuck.

Is there any way that Discover card and Experian can communicate directly on the phone regarding this issue?  I am guessing that the specialist at Discover card just have been submitting a request via fax or online, but obviously that has not been helping, and last time we communicated, the specialist said, if this "off-cycle" request does not work either, she's afraid that she may have run out of options.  I found that very irresponsible... I mean, what if she was going through the same issue herself.. would it be that easy for her to just shrug it off and move on?  What if it was the president of Discover card company?  If something like this happened to him, I'm sure Discover card would do whatever it takes to fix this problem with Experian, right?  So, I am convinced that there is a way that Discover card can directly communicate with Experian over the phone regarding this issue, but next time I talk to the specialist, I may have to push her harder to do that.  Or should I write a letter to Experian Distue center again and ask for a phone # of someone over there that the specialist at Discover Card can directly talk to?

Any suggestion/tip/advice would be greatly appreciated.

Thanks so much for reading a long message.

---

If you're calling the number on the back of the card, that could be part of the problem.  If you haven't already, try:

Discover: 888-676-3695 (Recon)

Discover: 866-219-0214 (Retention Dept.)

(from the back door sticky at the top of the page)

Also, when calling one of these above numbers, if you're still not successful, ask to be transferred to the Executive Offices.  Not finding an EO number in the sticky.

[LS2982]

Are you speaking to a CSR at Discover or a Credit Bureau rep at Discover?? That is very weird its taken months and still not resolved. Good luck to you OP!

[marissa07]

thom02099

Thanks for the numbers!  I will definitely try those numbers.

LS2982

Thanks! I am not sure what her title is, but yes, she is the one that deals with credit bureau issues at Discover Card.

[09Lexie]

If the numbers do not work, I would also file a complaint with the Consumer Finance Protection Bureau.

Good luck!

[Chris123nTx]

Do a change to the discover it card maybe? Keeps all of your history etc, no credit inquiry and may show up then? It is strange for sure.

[TimeToRecover]

I have a really odd question.  but when you specifically mentioned 10 years.  Do you keep a totally 0 balance on the card.  if so could it be that experian thinks it aged off?  Just shooting a wild idea here.  I am thinking from a computer programmer stand point of how they may have programed their system. 

[marissa07]

09Lexie,

Thanks for the suggestion!  I do hope it doesn't come to that point though.

Chris123nTx

I'm sorry, I don't think I understand your suggestion.  Could you elaborate?  Did you mean that I change my current card to "Discover it card"? Thanks!

TimeToRecover

Thanks, but actually I do carry a small balance on this particular card each month, so that won't be the case.  I appreciate you trying to help though!

[Chris123nTx]

Yes just a thought. Depends of course on the ccard you have, how you use it etc..meaning rewards or whatever. Lots of people have changed thier discover more cards and others to the new "it" card. It is just a phone call, a couple minutes and they make the change giving you the new card, but keeping all of your history, credit limits and even interest rates ane they do not do a new inquiry at all as far as I know. Was just thinking it may force it to experian that way.

[marissa07]

That's actually a great suggestion!  I do like my current card and its features, but if all other ways fail (knock on wood), I would have to give that a shot.  Thanks a lot!