FCRA Dispute Management
Track consumer disputes from intake to resolution with automated FCRA deadline monitoring, compliance documentation, and seamless integration into your Metro 2 reporting workflow. Never miss a 30-day window again.
How dispute management works
Dispute received
Consumer disputes arrive via direct entry, API, or ACDV/AUD import. The system logs the intake timestamp, assigns a tracking ID, and starts the FCRA clock automatically.
Investigation opens
Your team reviews the dispute details, attaches supporting documentation, and records investigation notes with automatic user attribution and timestamps.
Resolution documented
Mark the dispute as verified, corrected, or deleted. The platform captures the resolution rationale and links it to the affected Metro 2 record for a complete paper trail.
Bureau notification
Generate updated Metro 2 records with the correct Compliance Condition Code and include them in your next bureau submission automatically.
Built for FCRA compliance from day one
Every aspect of dispute handling is designed around regulatory requirements so your team can focus on resolution instead of chasing deadlines and assembling documentation.
- Automated 30-day FCRA deadline tracking with configurable alerts before expiration
- Complete dispute lifecycle management across open, investigating, resolved, and rejected statuses
- Built-in compliance documentation that organizes evidence for CFPB examinations
- Internal notes system with timestamped entries and user attribution on every action
- Compliance Condition Code XB auto-flagging when a record is under active dispute
- API integration for programmatic dispute creation, status updates, and bulk resolution
Disputes API
Create disputes, update statuses, attach documentation, and query resolution history programmatically. Integrate dispute intake directly into your servicing platform or CRM.
Stay compliant with automated dispute tracking
Start a free trial and see how dispute management integrates directly into your Metro 2 reporting workflow. No setup fees, no long-term contracts.