Furnish accurately, respond to disputes, or do not furnish at all.

The Fair Credit Reporting Act imposes duties on anyone who furnishes information to consumer reporting agencies: furnish only information believed accurate, correct and update information found to be inaccurate, investigate disputes received directly or through the bureaus within 30 days, and report results. Collection accounts are disproportionately the subject of FCRA litigation because they are often disputed, frequently involve data transferred between parties, and are reported by organizations whose systems were built for collecting rather than furnishing.

Several rules layer on top. Regulation F prohibits furnishing before communicating with the consumer and waiting a reasonable period, ending the practice of passive collection. Bureau policy and state law exclude paid medical collections, small or recent medical debts, and in some states all medical debt. The FCRA's date of first delinquency determines the seven-year reporting window and must be carried accurately through every transfer. Metro 2 formatting errors, such as wrong status codes or re-aging, create liability.

HL Hunt automates the full furnishing lifecycle. Accounts are screened for eligibility before reporting. Metro 2 records are generated from account data with correct dates, statuses, and compliance condition codes. Payments, settlements, and disputes update the tradeline on the next cycle. Disputes received directly or through e-OSCAR are investigated against the account record and answered within deadlines, with results furnished and documented. Clients who prefer not to report can disable furnishing entirely while retaining every other capability.