Metro2: FCRA Date Of First Delinquency Is Incorrect After Payment Is Reversed (Doc ID 3019465.1)

Last updated on APRIL 28, 2024

Applies to:

Symptoms

ACTUAL BEHAVIOR
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Metro2: FCRA Date of First Delinquency is incorrect after payment is reversed.

When payment is reversed, Metro2 FCRA date of first delinquency is reporting wrongly in future.

For the referenced account number 72741309, acc_dlq_dt, acc_crb_first_dlq_dt and acc_due_dt_oldest are all showing 01/03/2024, but FCRA date is reported as 03/04/2024 with crb status 71. Account status is ACTIVE.

EXPECTED BEHAVIOR
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System should not report future date for FCRA DOFD date when the payment is reversed for an account.

STEPS
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The issue can be reproduced at will with the following steps:
1. Make a payment for an active account.
2. Reverse the payment posted.
3. Check the metro2 reporting FCRA date of DFOD is showing correct. Currently its showing the future date with credit bureau status as 71.

BUSINESS IMPACT
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The issue has the following business impact:
Due to this issue, users cannot have the correct FCRA DOFD date in the Metro II data reporting when the payment is reversed.

Cause

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