Product: Credit reporting or other personal consumer reports

# # # **Step 1 : Identify Key Metro 2 Violations** # # # # **From the Files : ** 1. **Incorrect Payment Status Codes** - **Example** : - **XXXX XXXX**, *XXXX*, and XXXX XXXX accounts show " Currently late '' or XXXX In Collections/Charge-off '' but also list conflicting remarks like " Dispute resolved reported by grantor '' ( XXXX ). 
- **Metro 2 Violation** : Accounts marked " closed '' ( XX/XX/XXXX ) should not show late payments in XXXX. 

2. **Inaccurate Date of First Delinquency ( DFD ) ** - **Example** : - " Last payment : XX/XX/XXXX '' ( XXXX ) but account status is " Closed '' in XXXX. 
- **Metro XXXX Violation** : XXXX must align with the first delinquency leading to closure. 

3. **Duplicate/Mismatched DataXXXX - XXXX : - XXXX XXXX appears as " Currently on-time '' despite XXXX missed payments ( XXXX ). 
- **COASTCOMBNK** balance increases marked as " on-time '' but no payment history ( XXXX ). 

XXXX. **Incorrect " Worst Payment Status '' ** - **Example** : - " Worst payment status : XXXX days late '' but no corresponding XXXX delinquency in the payment grid ( XXXX ). 

-- - # # # **Step XXXX : Draft Dispute Letters Using XXXX XXXX Language** Use **specific Metro XXXX codes** XXXX demand corrections. For example : # # # # **Template for XXXX BANK ( Charge-off/Collections ) ** XXXX " Per Metro XXXX guidelines : XXXX - XXXX Status Code** inaccurately reports a charge-off ( Code XXXX ) despite a resolved dispute. 
XXXX - XXXX of XXXX XXXX ( XXXX ) ** is misreported ; the account closed in XXXX, but payments continued into XXXX. 
XXXX - XXXX XXXX in XXXX ( marks ) conflicts with the closed status. 
XXXX This violates FCRA XXXX and XXXX XXXX accuracy requirements. Please correct or delete this account. '' # # # # **Template for XXXX XXXX ( Conflicting Status ) ** XXXX " The **Current Payment Status ( Field XXXX ) ** incorrectly lists XXXX XXXX XXXX XXXX despite XXXX missed payments. 
XXXX This violates XXXX XXXX **Payment Rating Code** standards ( e.g., XXXX XXXX for XXXX late ). Correct the status to reflect actual delinquency or remove the account. '' -- - # # # **Step XXXX : Submit via eOSCAR System** XXXX. **File Disputes Online** : - Use the **credit bureaus eOSCAR portals** ( XXXX, TransUnion, XXXX ) XXXX submit disputes. 
- Attach screenshots of discrepancies ( e.g., XXXX showing mismatched dates ). 

XXXX. XXXX XXXX XXXX Violations** : - Reference XXXX XXXX XXXX ( e.g., **Field XXXX : Payment Status**, **Field XXXX : DFD** ). 
- Example : XXXX " Field XXXX inaccurately reports on-time for XXXX XXXX XXXX Account # XXX ), violating Metro 2s Payment Rating Code standards. '' 3. **Demand MOV ( Method of Verification ) ** : - If the bureau denies your dispute, request proof they validated the data with the furnisher per Metro 2 5. 

-- - # # # *XXXX XXXX : Escalate to Data XXXX XXXX creditors directly ( e.g., XXXX XXXX XXXX XXXX XXXX and demand they update their reporting to comply with Metro 2 . Example : XXXX " Per Metro XXXX XXXX, you are required to report accurate Payment History and Status Codes. The account # XXX shows a charge-off but lacks a valid DFD. Correct this within 30 days or face FCRA liability. '' -- - # # # **Step XXXX : Highlight Systemic Errors** - **Duplicate Remarks** : " Dispute resolved reported by grantor '' repeated twice ( XXXX ) violates Metro 2 11.3 ( unique remarks only ).

- **Balance Increases Without Activity** : XXXX  balances increased ( XXXX ) but no missed payments reporteddemand proof of validity. 

-- - # # # **Step 6 : File CFPB Complaints** If unresolved, submit complaints to the [ CFPB ] ( https : //www.consumerfinance.gov/complaint/ ) with : - Screenshots of Metro 2 violations. 
- Proof of disputes filed via eOSCAR. 

-- - # # # **Expected Outcomes** XXXX. **Deletion of Inaccurate Accounts** : Charge-offs/collections with invalid DFDs or status codes. 
2. **Correction of Payment History** : Late payments adjusted to match actual dates. 
3. **Score Recovery** : Removal of errors may restore XXXX points ( as seen in XXXX ). 

By leveraging Metro 2s strict data formatting rules, you force bureaus and furnishers to either correct errors or delete unverifiable items. Keep records of all submissions!