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Data Reporting FAQs

Get answers to the most frequently asked questions.

Who can I contact to discuss a reporting scenario and how it will appear on a consumer’s credit report?
Please contact your Data Reporting Representative or the TransUnion Service Desk at (800) 813-5604.

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What are the required fields to report to TransUnion?
The required fields for reporting consumer credit information via the Metro 2 format are identified in the Credit Reporting Resource Guide (CRRG). To obtain a copy of the CRRG, please contact your Data Reporting Representative or the TransUnion Service Desk at (800) 813-5604 for download information.

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What is the Metro 2 format?
The Metro 2 format is the industry standard file format for reporting consumer credit information. The Credit Reporting Resource Guide (CRRG) was created by the Consumer Data Industry Association (CDIA) to assist data furnishers with reporting credit information to the credit reporting companies. The CRRG contains detailed information regarding the Metro 2 format. To obtain a copy of the CRRG, please contact your Data Reporting Representative or the TransUnion Service Desk at (800) 813-5604.

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Where do I go if I have questions regarding the required CDIA Metro 2 format?
Detailed information regarding the required fields for reporting consumer credit information via the Metro 2 format can be found in the Credit Reporting Resource Guide (CRRG). To obtain a copy of the CRRG, please contact your Data Reporting Representative or the TransUnion Service Desk at (800) 813-5604.

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What format do I currently use to report to the credit reporting company?
Please contact your Data Reporting Representative or the Service Desk at (800) 813-5604.

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What software company/provider does TransUnion suggest?
TransUnion cannot recommend a software provider. Please use an Internet search engine to find a Metro 2 software provider.

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Our company name, address, phone, or contact person has changed. How do I update this information with TransUnion?
Please contact your Data Reporting Representative or the TransUnion Service Desk at (800) 813-5604.

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Our Creditor Contact information on the Credit Report is incorrect. Who can we contact to update our information?
Please contact your Data Reporting Representative or the TransUnion Service Desk at (800) 813-5604.

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What is our TransUnion reporting subscriber code?
Please contact your Data Reporting Representative or the TransUnion Service Desk at (800) 813-5604.

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We have recently upgraded our credit reporting company reporting to the Metro2 format. Is there anything our organization needs to be aware of prior to sending a test file?
TransUnion advises that any and all data reporting changes be tested prior to loading to TransUnion's database. Please contact your Data Reporting Representative or the TransUnion Service Desk at (800) 813-5604. Please have the following pieces of information ready:
  • Company name and Address
  • Subscriber Code
  • Batch ID

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My company is upgrading to a new reporting software and I need to ensure that this will not have an impact on my customers. Can you test my credit reporting file prior to my software upgrade?
Yes. TransUnion advises that any and all data reporting changes be tested prior to loading to the production database. Please contact your Data Reporting Representative or the TransUnion Service Desk at (800) 813-5604.

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My company has sold/transferred accounts. How do I properly reflect this on a credit report?
The Credit Reporting Resource Guide (CRRG) can provide you with the necessary guidelines for reporting sold/transferred accounts. TransUnion advises that any and all data reporting changes be tested prior to loading to the production database. To obtain a copy of the CRRG, please contact your Data Reporting Representative or the TransUnion Service Desk at (800) 813-5604.

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We are going out of business. How can we remove our data from your database?
The Credit Reporting Resource Guide (CRRG) can provide you with the necessary guidelines for reporting accounts for deletion. TransUnion advises that any and all data reporting changes be tested prior to loading to the production database. To obtain a copy of the CRRG, please contact your Data Reporting Representative or the TransUnion Service Desk at (800) 813-5604.

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Can I report our business accounts to your database?
The Credit Reporting Resource Guide (CRRG) can provide you with the necessary guidelines for reporting business accounts. To obtain a copy of the CRRG, please contact your Data Reporting Representative or the TransUnion Service Desk at (800) 813-5604.

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How does bankruptcy reporting differ between Metro and Metro 2?
Bankruptcies were reported in the Account Status field in Metro or as a Special Comment code. Metro 2 has an additional field, Consumer Information Indicator (CII), which is designed specifically for reporting bankruptcy information at the consumer level. Detailed information regarding bankruptcy reporting can be found in the Credit Reporting Resource Guide (CRRG). To obtain a copy of the CRRG, please contact your Data Reporting Representative or the TransUnion Service Desk at (800) 813-5604.

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How do I report Account Number changes in Metro 2?
The Credit Reporting Resource Guide (CRRG) can provide you with the necessary guidelines for reporting account number changes. To obtain a copy of the CRRG, please contact your Data Reporting Representative or the TransUnion Service Desk at (800) 813-5604.

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How should payment history be reported in Metro 2?
Detailed information regarding how to report Payment History in the Metro 2 format can be found in the Credit Reporting Resource Guide (CRRG). To obtain a copy of the CRRG, please contact your Data Reporting Representative or the TransUnion Service Desk at (800) 813-5604.

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What are the valid Account Type codes that can be reported?
Detailed information regarding valid Metro 2 Account Type codes can be found in the Credit Reporting Resource Guide (CRRG). To obtain a copy of the CRRG, please contact your Data Reporting Representative or the TransUnion Service Desk at (800) 813-5604.

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What are the valid Account Status codes that can be reported?
Detailed information regarding valid Metro 2 Account Status codes can be found in the Credit Reporting Resource Guide (CRRG). To obtain a copy of the CRRG, please contact your Data Reporting Representative or the TransUnion Service Desk at (800) 813-5604.

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What value should be reported in the Date of First Delinquency field in Metro 2?
Detailed information regarding how to report the Date of First Delinquency in the Metro 2 format can be found in the Credit Reporting Resource Guide (CRRG). To obtain a copy of the CRRG, please contact your Data Reporting Representative or the TransUnion Service Desk at (800) 813-5604.

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Our company is merging with another entity. Do we need to let TransUnion know prior to reporting the new accounts?
Yes, TransUnion advises that any and all data reporting changes be tested prior to loading to our production database. Please contact your Data Reporting Representative or the TransUnion Service Desk at (800) 813-5604.

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How do I ensure that the complete account number of my institution does not display on credit reports?
TransUnion has the ability to customize account number masking based on your business needs. Please contact your Data Reporting Representative or the TransUnion Service Desk at (800) 813-5604.

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How do I ensure that the complete account number of my institution does not display on other creditors’ credit reports, but can still be viewed in full by my company?
TransUnion has the ability to customize account number masking based on your business needs. Please contact your Data Reporting Representative or the TransUnion Service Desk at (800) 813-5604.

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We have noticed that there are accounts that are no longer on our system and are not showing as closed at TransUnion. How do we update these accounts to show as closed?
Please contact your Data Reporting Representative or the TransUnion Service Desk at (800) 813-5604.

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My institution's accounts are appearing twice on the credit report. Why is this happening and how can it be corrected?
This is most likely the cause of a reporting change to account information which prevented the account from updating appropriately. Please contact your Data Reporting Representative or the TransUnion Service Desk at (800) 813-5604.

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Who can I contact if I have a question about why an account has not updated, does not appear or does not appear correctly on a credit report?
Please contact your Data Reporting Representative or the TransUnion Service Desk at (800) 813-5604.

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How can I obtain my monthly Statistics and Error Listing?
Please contact your Data Reporting Representative or the TransUnion Service Desk at (800) 813-5604.

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We have transmitted an incorrect file. Who should be notified to stop or prevent this file from loading to the database?
Please contact your Data Reporting Representative or the TransUnion Service Desk at (800) 813-5604.

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The person who handled our reporting left the company, and we don’t know how to report. How do we create the file and send it in?
Please contact your Data Reporting Representative or contact the Service Desk at (800) 813-5604.

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How often can I transmit update files to TransUnion?
Data Furnishers should report consumer account updates once per month, at the end of a billing cycle. If a credit grantor has multiple billing cycles, cycle reporting may be appropriate. Cycle reporting involves reporting a separate file for each of the billing cycles and would require submitting files more frequently than once per month. Each account should only be reported once per month. Notify TransUnion prior to making any changes to your reporting habits. Please contact your Data Reporting Representative or the TransUnion Service Desk at (800) 813-5604.

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I would like to begin reporting credit data to TransUnion. How long will the testing process take once I submit a file?
Once credentialing has been completed and a file has been successfully submitted via Electronic Data Transfer (EDT), testing will begin. Testing time can vary if issues need to be corrected and multiple test files need to be submitted. Please contact your Data Reporting Representative or the TransUnion Service Desk at (800) 813-5604.

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Once a file is transmitted to TransUnion, how long will it take to update a consumer's file?
Generally, updates will reach a consumer's file within approximately 48 - 72 hours from the time TransUnion completes processing the file.

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When a credit data file is transmitted to TransUnion, will the updates be forwarded to the other credit reporting companies?
No. You will need to report the files to each of the credit reporting companies individually if you want each credit reporting company to receive the updates.

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We are implementing internal system changes that may impact the reporting of our file. Can TransUnion test the data prior to processing it in production?
Yes, TransUnion can test the data prior to loading to production. TransUnion advises that any and all data reporting changes be tested prior to loading to the production database. Please contact your Data Reporting Representative or the TransUnion Service Desk at (800) 813-5604.

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Who can I contact to discuss how to transmit a file for testing?
Please contact your Data Reporting Representative or the TransUnion Service Desk at (800) 813-5604.

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What is involved with testing a file for a new data provider?
Files submitted by first-time data providers are tested and reviewed to ensure that they are formatted correctly according to the Metro 2 guidelines and adhere to FCRA regulations. Any issues identified during the testing process will be discussed with the data provider prior to loading the data into production. This may result in the need for the data provider to make corrections and submit a new file for review. Please contact your Data Reporting Representative or the TransUnion Service Desk at (800) 813-5604.

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What are the steps involved with being set up to report credit data to TransUnion?
Please contact your Data Reporting Representative or the TransUnion Service Desk at (800) 813-5604.

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I am unable to open the zip file containing the test results for our review. Who can I contact for assistance?
Please contact your Data Reporting Representative or the TransUnion Service Desk at (800) 813-5604. Please have your Work Request number available if applicable.

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I need some assistance in understanding the documentation I received containing the test results from our credit data transmission. Who can assist in explaining the materials?
Please contact your Data Reporting Representative or the TransUnion Service Desk at (800) 813-5604. TransUnion advises that any and all data reporting changes be tested prior to loading to the production database. Please have your Work Request number available if applicable.

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I am unsure which option to check on the Confirmation Document. Who can assist in explaining the different options contained on the Confirmation Document?
Please contact your Data Reporting Representative or the TransUnion Service Desk at (800) 813-5604. Please have your Work Request number available if applicable.

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How do I ensure that TransUnion has received my credit reporting file?
Please contact your Data Reporting Representative or the TransUnion Service Desk at (800) 813-5604.

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We want to change the method we currently utilize to transmit our data. Who can we contact to discuss the transmission solutions offered by TransUnion?
Please contact your Data Reporting Representative or the TransUnion Service Desk at (800) 813-5604.

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Who can we contact to discuss how to handle the reporting of a new portfolio?
Please contact your Data Reporting Representative or the TransUnion Service Desk at (800) 813-5604. TransUnion advises that any and all data reporting changes be tested prior to loading to the production database.

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My company processes data for multiple data furnishers. Who can I speak with to discuss reporting a new customer?
Please contact your Data Reporting Representative or the TransUnion Service Desk at (800) 813-5604.

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Who can we contact to discuss how to handle the transition of our in-house reporting platform to a processor?
Please contact your Data Reporting Representative or the TransUnion Service Desk at (800) 813-5604.

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Who can we contact to discuss how to handle the transition of our processing from a processer to in-house software?
Please contact your Data Reporting Representative or the TransUnion Service Desk at (800) 813-5604.

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I need to make a modification to my Program Identifier and Internal Identification Number. Who can I contact to discuss these changes?
Please contact your Data Reporting Representative or the TransUnion Service Desk at (800) 813-5604. TransUnion advises that any and all data reporting changes be tested prior to loading to the production database.

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What are the minimum requirements to report data to TransUnion?
Please contact our Client Services Department at (800) 730-0126 or email clientsvcs@tusales.com.

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