Log in
Debt collection glossary

What is Metro 2?

The standard data format for reporting consumer account information to the credit bureaus, maintained by the Consumer Data Industry Association.

Definition

Metro 2 is the standardized electronic format developed by the Consumer Data Industry Association for furnishing consumer credit account information to the nationwide credit bureaus. Each record includes identifying information, account type and status, balance, payment history, date of first delinquency, and special comment and compliance condition codes, including codes for disputes and for medical debt.

Collectors and debt buyers that report are furnishers under the Fair Credit Reporting Act and must have reasonable written policies to ensure accuracy and integrity, investigate disputes through e-OSCAR within 30 days, and correct or delete inaccurate information. Reg F prohibits reporting before communicating with the consumer about the debt.

Example

A debt buyer reports a purchased account with the original date of first delinquency (so the seven-year clock is correct), balance $1,460, status "collection," and the XB compliance code when the consumer disputes. When the consumer pays, the status updates to "paid collection" in the next monthly file.

How HL Hunt handles it

HL Hunt generates Metro 2 files automatically with correct dates of first delinquency, applies the Reg F pre-reporting communication check, excludes medical accounts under state and bureau rules, routes e-OSCAR disputes into the dispute workflow, and updates or deletes tradelines as accounts resolve.

Frequently asked questions

Is a collector required to report to credit bureaus?

No. Reporting is optional, but once a furnisher reports it must comply with FCRA accuracy and dispute obligations. HL Hunt makes reporting a per-portfolio choice.

What is the date of first delinquency?

The date the account first became delinquent and was never brought current, which starts the seven-year reporting period. It must be preserved from the original creditor through every sale.

What happens when a consumer disputes a tradeline?

The furnisher receives an ACDV through e-OSCAR and must investigate and respond within 30 days. HL Hunt handles the workflow and the response.

Start recovering more today.

Create a free account, upload your first accounts, and compliant AI outreach begins within the hour. Pay commission only on what you recover.