Dispute Code Removal

E-OSCAR DISPUTE CODES

e-Oscar is Used by the Credit Bureaus to Handle Credit Reporting Disputes. The e-Oscar method of investigating credit disputes may be the reason your credit dispute was verified as being accurate when you are positive a mistake has occurred. Credit reporting agencies have created an automated computerized system of dealing with credit disputes.

From the testimony of Leonard Bennett with the employees of Trans Union, this is not what really happens. Every dispute is reduced to a 2-character code and supporting documentation is NEVER sent to the information furnisher.

The “investigators” at the credit bureaus have a maximum of 4 minutes to determine what 2-digit code to reduce the dispute to send to e-Oscar and through e-Oscar, the information furnishers.

E-OSCAR Dispute Codes — Revised 4/08

Dispute Codes

• Code 1: Not his/hers
• Code 2: Belongs to another individual with same/similar name
• Code 6: Not aware of collection
• Code 8: Late due to change of address – never received statement
• Code 10: Settlement or partial payments accepted
• Code 12*: Claims paid the original creditor before collection status or paid before charge-off
• Code 14**: Claims paid before collection status
• Code 15: Credit Limit and/or High Credit amount incorrect
• Code 19: Included in the bankruptcy of another person
• Code 23: Claims account closed
• Code 24: Claims account closed by consumer
• Code 31: Contract cancelled or rescinded
• Code 37: Account included in bankruptcy
• Code 38*: Claims active military duty
• Code 39: Insurance claim delayed
• Code 40: Account involved in litigation
• Code 41: Claims victim of natural or declared disaster
• Code 100*: Claims account deferred
• Code 101: Not liable for account (i.e., ex-spouse, business)
• Code 102: Account reaffirmed or not included in bankruptcy
• Code 103: Claims true identity fraud/account fraudulently opened
• Code 104: Claims account take-over, fraudulent charges made on account
• Code 105: Disputes Dates of Last Payment/Opened/of First Delinquency/Billing/Closed
• Code 106: Disputes present/previous Account Status/Payment History Profile/Payment Rating
• Code 107: Disputes Special Comment/Compliance Condition Code/narrative remarks
• Code 108: Disputes Account Type or Terms Duration/Terms Frequency or Portfolio Type disputed
• Code 109: Disputes current balance
• Code 110: Claims company will change
• Code 111: Claims company will delete
• Code 112: Claims inaccurate information

Notes

* New Dispute Code effective 06/24

** Obsolete Dispute Code effective 06/24

For a CMS, I would actually recommend converting this to a table instead of a bullet list since it’s reference data. It’s much easier for users to scan dispute codes that way.