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Disputes Module

The patent-pending Data Quality Scanner Disputes Module uses a combination of Data Quality Scanner Rules, Metro 2®, ACDV, and AUD data to identify data issues in indirect disputes, credit bureau transformations, and agent dispute responses.

It assesses 100% of the indirect credit bureau disputes received and agent responses using the same proprietary ruleset as the Furnishing Module, developed and refined over the past decade to stay current with Metro 2® guidelines, regulatory guidance, and product needs.

See the Disputes Module in Action

How It Helps

  • Assesses dispute agent response quality automatically, without sampling.
  • Monitors agents wherever they work.
  • Views all furnishing and indirect dispute data in one place.
  • Identifies all changes agents make to aid root cause analysis.

Key Benefits

  • Up to 80% reduction in unresolved dispute errors that lead to repeat disputes & FCRA complaints.
  • Monitor 100% of dispute agent responses to improve accuracy & consistency rates and reduce FCRA risks.
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Ways to Get Started

1‑Minute Self‑Audit

Quickly assess where your key Credit Reporting/FCRA Compliance processes stand and identify where improvements may be needed to meet heightened regulatory requirements.

Run the 1‑Minute Self‑Audit

Frequently Asked Questions

Answers to the Most Frequently Asked Questions About the Data Quality Scanner Disputes Module

Top Questions

How does the Data Quality Scanner Disputes Module help minimize the number of credit disputes we encounter?
The Data Quality Scanner Disputes Module reduces disputes by automating analysis and monitoring. It delivers measurable impact:
  • Up to 80% reduction in unresolved dispute errors that lead to repeat disputes and FCRA complaints
  • Monitors 100% of dispute agent responses to improve accuracy, consistency, and reduce Fair Lending risks
  • Cuts QA review time for complex cases by over 90% with a historical view of disputes and furnishing activity
By prioritizing high-risk issues and improving process efficiency, DQS helps lenders lower operational costs and strengthen compliance.
What data is needed to get started with the Data Quality Scanner Disputes Module?
The Disputes Module works best when paired with the Furnishing Module for a complete view of data quality. To get started, you’ll need:
  • Metro 2® data from your furnishing process
  • Indirect dispute and AUD data from e-OSCAR, accessible via the e-OSCAR Archive Report in their portal
All files can be securely transmitted via SFTP to our AWS-hosted environment, which is PCI-DSS certified and undergoes an annual SOC 2 Type 2 audit for compliance and security.
How does this work with our disputes operation?
The Disputes Module integrates seamlessly with your current dispute operations. When paired with the Furnishing Module, it provides a complete view of how furnishing issues drive disputes. You can:
  • Identify furnishing errors that have the possibility to trigger disputes
  • Measure dispute agent response completeness and accuracy
  • Target agent or vendor training to reduce repeat disputes
This approach improves compliance, lowers dispute rates, and streamlines quality assurance without disrupting existing workflows.

Reduce Credit Bureau Dispute Rates 30%+ with the Data Quality Scanner

Discover how our low-cost solutions inspect every furnished and disputed account against a ruleset of 391 risk-ranked rules for Metro 2® compliance to reduce credit reporting errors by up to 90% and dispute rates by over 30%.
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