Furnisher accuracy is the top driver of credit-report complaints. HL Hunt argues automating Metro 2 is part of the fix
Credit or consumer reporting was the single most complained-about category in the CFPB’s 2025 complaint data, with inaccurate information the most common issue cited. HL Hunt’s Metro 2 Reporting Software, covered on this site in September for its speed, is framed by the company as a tool for reducing exactly that kind of error at the point lenders furnish data to the bureaus.
The Consumer Financial Protection Bureau’s 2025 consumer complaint data shows credit or consumer reporting was by far the most complained-about financial product category, accounting for roughly 5.8 million complaints, or about 88% of all complaints the agency received that year. Within that category, the single most frequently cited issue was incorrect information appearing on a consumer’s report.
That backdrop is the context HL Hunt Financial points to when describing why it built Metro 2 Reporting Software, a tool covered on this site earlier in September for converting a lender’s raw loan data into a bureau-ready Metro 2 file in under five seconds. Metro 2 is the standardized format the three major bureaus require for tradeline reporting, and errors introduced at the point a lender furnishes data — a misformatted status code, an inconsistent balance field — are a direct, mechanical source of exactly the kind of inaccuracy the CFPB’s complaint data flags as the industry’s most common problem.
HL Hunt’s pitch is that automating the conversion and running it against more than 200 validation rules pulled from the Metro 2 specification catches formatting-level errors before a file ever reaches a bureau, rather than after a consumer disputes the resulting entry. The company also points to its dispute-management workflow, which pre-fills suggested responses to ACDV and AUD disputes bureaus send back to a data furnisher, as a second layer aimed at the same underlying problem: correcting inaccurate furnished data faster once a dispute is raised.
It is worth being precise about what this connection does and doesn’t establish. The CFPB’s complaint data describes the credit-reporting industry broadly — spanning bureau-side errors, furnisher errors, and disputes across every furnisher in the market — not HL Hunt’s product specifically. HL Hunt has not published data showing its own customers’ furnished files result in measurably fewer consumer disputes or CFPB complaints than files submitted through manual processes or competing Metro 2 software. The company’s own accuracy figure for its conversion process, cited previously on this site, is also self-reported rather than independently audited.
What the CFPB data does establish is that furnisher-side accuracy is a real, large-scale problem rather than a niche compliance concern, which is the premise HL Hunt is selling against. Whether automated Metro 2 conversion measurably moves that needle for any given lender is a question only that lender’s own dispute rates, tracked before and after adoption, can actually answer.