Base Segment ErrorsWarning

    B019Original Charge-off Amount Missing on Charge-off

    Account Status is 97 (charge-off) but no Original Charge-off Amount is reported

    Affected Field
    #23Original Charge-off Amount

    Description

    When an account is reported as charged off (Account Status 97), the Original Charge-off Amount should reflect the amount charged off and remain constant for the life of the tradeline. Omitting it removes important context and can trigger data-quality edits at the bureau.

    Common Causes

    • Charge-off amount not captured when the account was written off
    • Reporting only Current Balance after recoveries

    How to Fix

    1. 1Populate the Original Charge-off Amount when first reporting Status 97
    2. 2Keep the original amount fixed even as recoveries reduce the balance
    3. 3Report ongoing recoveries through the Current Balance, not by lowering the original amount

    Related Errors

    B002
    Invalid Account Status
    The account status code is not a valid Metro 2 status

    More Base Segment Errors

    B001
    Missing Account Number
    B002
    Invalid Account Status
    B003
    Status and Payment Rating Mismatch
    B004
    Invalid ECOA Code
    B005
    Missing SSN or Date of Birth
    B006
    Invalid Date Format

    Catch Errors Before Submission

    Metro2 software validates every field and catches errors like B019 before you submit to the credit bureaus.

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    B019: Original Charge-off Amount Missing on Charge-off - Metro 2 Error