PayPal Holdings, Inc. Credit Card Complaint

PayPal Holdings, Inc. Credit card department,

Customer service / Customer relations New York

I have been using PayPal Credit for years to make purchases online from various retailers, and have been enjoying their payment terms immensely, but I am very distressed by the fact that, notwithstanding my impeccable payment history and nearly $4000.00 of unused available credit, this account is not reporting my credit behavior to the credit reporting agencies. PayPal Credit functions essentially identically to a credit card, and it runs a hard inquiry on your credit report when you apply for it, so I do not understand why it is permitted to withhold valuable consumer information about its users from the reporting agencies. There should either be a requirement that any creditor who runs a hard inquiry as part of their evaluation about credit issuing decision has to make regular reports to the agency they use about the credit behavior of their borrowers. Alternatively, borrowers should have a way to report their own credit behavior to the agencies.