A recent technical glitch in the e-OSCAR platform has sparked concerns over the accuracy of consumer credit data reported to TransUnion. The issue, which took place on June 13, 2025, affected the transmission of Automated Credit Dispute Verification (ACDV) Response records—an essential part of the dispute resolution process between data furnishers and credit reporting agencies (CRAs).
According to an email alert sent to users, e-OSCAR experienced an unexpected outage during its nightly batch process, causing some ACDV Response records to be left out of the file sent to TransUnion. These missing records were subsequently marked as “Did Not Respond” (DNR), potentially resulting in incomplete or inaccurate dispute outcomes.
Joel Strickland, e-OSCAR’s director of client relations, confirmed the incident in an Aug. 8 message to users, noting that several impacted furnishers have already started receiving Dispute Response Notifications tied to the DNR-coded records.
Corrective Action Taken
In response, the e-OSCAR team moved quickly to address the problem. On Aug. 4, 2025, they sent TransUnion an ad-hoc batch file containing the missing ACDV Response records. The platform has also implemented new reporting and validation measures aimed at preventing similar issues from occurring in the future.
Guidance for Data Furnishers
To help correct any potential inaccuracies, e-OSCAR has outlined a series of recommended steps for data furnishers:
- Review Dispute Response Notifications for DNR-coded entries.
- Access the “ACDV Data – TransUnion 6/13/2025” report, available to Insights by e-OSCAR subscribers until Aug. 25, 2025.
- Submit reinsertion requests for any affected transactions, following the special process outlined in the e-OSCAR notification (as the standard workflow does not apply).
With accurate reporting being an important part of the credit system, the incident highlights how even small technical issues can create extra steps for both furnishers and credit reporting agencies.
The swift response from e-OSCAR and the outlined guidance aim to help minimize any potential impact on reported data.
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Author: Jennifer Evancic
Jennifer.Evancic@ResourceManagement.com
Jennifer Evancic is a third-party auditor valued by creditors and large organizations for her knowledge in call monitoring within the collections industry. With meticulous attention to detail and a firm grasp of regulatory requirements, she ensures compliance with clients’ criteria and state and federal regulations.
Jennifer audits collections calls, ensuring they meet client-specific criteria and comply with regulations, providing valuable insights and maintaining industry standards.
Beyond her auditing responsibilities, Jennifer takes the lead in organizing and facilitating monthly call calibrations. These sessions serve as a collaborative forum where clients and their vendors come together to discuss call monitoring results and address any findings or areas for improvement. Jennifer’s guidance fosters open communication and ensures alignment between clients and vendors, driving continuous improvement in collections practices.
Jennifer stays up-to-date with compliance and industry best practices by participating regularly in peer meetings, regulatory updates and industry webinars. This keeps her informed about emerging issues and ensures she remains a knowledgeable leader in collections compliance.
