Ch 4 J2 Segment Fields 1 - 11

The video summarizes J2 Segment Fields #1 through #11 from Chapter 4 of the Metro 2 Credit Reporting Resource Guide, helping readers use Metro 2 to accurately read credit reports, identify errors, and draft dispute letters to consumer reporting agencies (CRAs). These fields detail an associated consumer living at a different address from the Base Segment’s primary consumer, including: #1 (segment identifier, "J2"), #2 (reserved), #3 (surname), #4 (first name), #5 (middle name), #6 (generation code), #7 (Social Security number), #8 (date of birth), #9 (telephone number), #10 (Equal Credit Opportunity Act code, e.g., joint, co-signed, or authorized user), and #11 (consumer information indicator, e.g., bankruptcy status).

These fields ensure proper identification of co-consumers; errors like missing data (e.g., no ECOA code for a joint account), incorrect details (e.g., wrong SSN), or failure to report a known associated consumer can be flagged as inconsistencies with Metro 2’s standard. Such discrepancies provide a solid basis for dispute letters to CRAs, leveraging the format’s requirements to correct inaccuracies.