Metro 2® Data Furnisher
Compliance Validations
Validations performed by Hutchins Systems Inc. during an audit or pre-submission file review.
Most Metro 2® problems aren't formatting errors — they're logic or DOFD errors, which create the greatest regulatory risk. Our comprehensive audit catches every category before files reach the bureaus.
Key Compliance Vulnerabilities
Furnishers must address these critical risk areas when reporting data. Hutchins Systems validates all of them automatically — catching errors before they reach the bureaus.
Inaccurate DOFD
Misreporting the Date of First Delinquency triggers premature or delayed 7-year obsolescence — a top FCRA violation risk.
Re-Aging Accounts
Resetting delinquency dates on past-due accounts extends negative reporting beyond legal limits and exposes furnishers to disputes.
Incorrect Account Status
Reporting active accounts as closed, or vice versa — creates Metro 2® logic errors and misleads credit bureaus on account standing.
Missing or Wrong ECOA Codes
Accounts with co-signers require accurate ECOA coding. Errors affect both parties' credit files unfairly.
Balance Reporting Errors
Reporting outstanding balances after settlement, or failing to zero out paid accounts, contradicts Metro 2® logic rules.
Reporting Deposits as Debt
Security deposits are not delinquent debt and should not automatically be reported as charged-off debt.
Our validations fall into four major categories — plus bureau onboarding support.
Structural & Format Validations
Will the file pass bureau technical standards?
Field-Level Logical Validations
Do the fields make sense together?
Regulatory Risk Validations (FCRA)
Reduce exposure under the Fair Credit Reporting Act.
Mapping & System-Level Validations
Is your servicing system populating Metro 2® correctly?
Bureau-Readiness & Onboarding Support
For new furnishers — smoothing the path to bureau acceptance.
Most Metro 2® problems aren't formatting errors
They're logic or DOFD errors — which create the greatest regulatory risk. A comprehensive validation approach protects every stakeholder.
Data Furnisher Reputation
Accurate reporting builds trust and avoids bureau disputes.
Bureau Relationships
Clean files mean fewer edits, rejections, and escalations.
Consumer Trust
Correct data protects consumers from unjust negative reporting.
Regulatory Posture
Proactive compliance reduces CFPB complaints and legal exposure.
Ready to audit your Metro 2® files?
Our compliance experts will review your data furnishing setup, identify every risk category, and deliver a detailed audit report — so you can fix issues before they become bureau rejections or CFPB complaints.
CONSUMER DATA INDUSTRY ASSOCIATION®, CDIA®, the CREDIT REPORTING RESOURCE GUIDE®, and METRO 2® are registered trademarks of the Consumer Data Industry Association. Hutchins Systems Inc. is not affiliated with or endorsed by CDIA.