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Credit Bureau Reporting Exceptions
Exceptions prevent an account from reporting to the credit bureaus. More than one exception can exist simultaneously for the primary customer, responsible parties, and authorized parties. Account level errors that include the primary customer prevent the respective account from reporting. Errors at the responsible or authorized party level don't prevent the account from reporting but the system excludes them from reporting for the respective account. Accounts with exceptions don't report again until you correct the exceptions.
The following table lists the exceptions that prevent an account from reporting to the credit bureaus.
|
Exception |
Description |
Level |
First-party |
Third-party |
|
Business |
Account is for a business, not an individual. |
Account |
Yes |
Yes |
|
DebtorExcluded |
User flagged the account for exclusion from reporting. |
Customer |
Yes |
Yes |
|
DebtorNotResponsible |
User flagged a party on the account as not responsible for the debt. Party on the account is not a first-party authorized user. |
Customer |
Yes |
Yes |
|
DelinquencyDt>Received |
Delinquency date is after the account received date. |
Account |
Yes |
Yes |
|
DelinquencyDtWithin30DaysOfReceived |
Delinquency date is less than 30 days before the account received date. |
Account |
Yes |
Yes |
|
InvalidAcctType |
Account type doesn't match the portfolio type and industry code. This issue is rare and indicates a configuration or data problem. |
Account |
Yes |
Yes |
|
InvalidConsumerAccountNumber |
Consumer account number is missing. |
Account |
Yes |
No |
|
InvalidContractDate |
Contract date is missing. |
Account |
Yes |
No |
|
InvalidContractToPay |
Contract date is missing and the creditor class is not medical. |
Account |
Yes |
Yes |
|
InvalidDebtorZipcode |
Customer's ZIP Code is invalid. * |
Customer |
Yes |
Yes |
|
InvalidDOB |
Authorized user's date of birth is missing or a responsible party's SSN and date of birth are both missing. If the account reported previously, the date of birth constraint doesn't apply for authorized users. * |
Customer |
Yes |
Yes |
|
InvalidFirstName |
Customer's last name is missing or invalid. * |
Customer |
Yes |
Yes |
|
InvalidLastName |
Customer's last name is missing or invalid. * |
Customer |
Yes |
Yes |
|
InvalidOriginalLoanAmount |
Original loan amount is missing. |
Account |
Yes |
Yes |
|
InvalidState |
Customer's state (in address) is invalid. * |
Customer |
Yes |
Yes |
|
MedicalWithin180Days |
Account has a medical creditor classification and is less than 180 days past the delinquency date. |
Account |
Yes |
Yes |
|
MinBalException |
Current account balance is less than the configured minimum amount. |
Account |
Yes |
Yes |
|
MissingAcctOriginalCreditor |
Original creditor is missing and there isn't a default original creditor provided. |
Account |
Yes |
Yes |
|
MissingChargeOffAmount |
Charge-off amount is missing. |
Account |
Yes |
No |
|
MissingChargeOffRecord |
Required charge-off information is missing. |
Account |
Yes |
No |
|
MIssingCity |
Customer's city (in address) is missing. * |
Customer |
Yes |
Yes |
|
MissingCreditorClass |
Creditor classification is missing. |
Account |
Yes |
Yes |
|
MissingDefaultOriginalCreditor |
Default original creditor is missing. |
Account |
Yes |
Yes |
|
MissingSecondaryAccountNumber |
Secondary account number is missing and the debt is charge-off mortgage. |
Account |
Yes |
No |
|
MissingSecondaryAgencyIdentifier |
Secondary agency identifier is missing and the debt is charge-off mortgage. |
Account |
Yes |
No |
|
MissingSSN&DOB |
Customer's SSN or date of birth is missing. * |
Customer |
Yes |
Yes |
|
MissingStreetAddress |
Customer's street address line 1 is missing. * |
Customer |
Yes |
Yes |
|
NullDebtorZipcode |
Customer's ZIP Code is missing. * |
Customer |
Yes |
Yes |
|
NullDelinquencyDt |
Delinquency date is missing. |
Account |
Yes |
Yes |
|
OpenChargeOffNotInBankruptcy |
Charge-off account has an open status and isn't in bankruptcy. |
Account |
Yes |
No |
|
OutofStatute |
Federal 7-year reporting statute expired. |
Account |
Yes |
Yes |
|
ReportDateNotMet |
Account has a reporting wait time set that is not expired. |
Account |
Yes |
Yes |
|
ZeroedDebtorZipcode |
Customer's ZIP Code contains all zeroes. * |
Customer |
Yes |
Yes |
* Applies to reported accounts with an open date after September 15, 2017.