Disputes  ·  Credit Unions

Credit-bureau disputes,
worked end to end.

From intake to §605B suppression and Metro 2 reporting — every case investigated by AI and resolved with a human sign-off on every decision. FCRA-aligned, e-OSCAR-ready, fully audited.

Live Demo See how a case is worked
FCRA-aligned Human sign-off Metro 2 / e-OSCAR Fully audited
How it works

How a case is worked

One path, every case. The AI does the legwork; a human signs off; the audit log captures every step.

1
Intake
AI reads the dispute, extracts the claim, and matches the filer to your system of record.
2
Triangulate & decide
AI investigates with vendor signals, weighs the evidence, and recommends a disposition — for a human to approve.
3
Suppress & block
On confirmed fraud, furnishing is suppressed and the §605B block applied — running in parallel with the investigation.
4
Close
Outcome finalized and reported via Metro 2 / e-OSCAR AUD, with the full audit trail attached.
Throughout the case Every step writes an append-only audit row. Every disposition is reproducible from its log entry alone.
The case file

The whole case on one screen

app.tryhughes.com/disputes
Hughes Disputes — a credit-bureau dispute case worked through its journey
Vertical case journey
AI investigation & recommendation
Human sign-off on every decision
Dispute types

Built for the cases you actually get

Two workflows out of the box, each with the AI assistance and the controls the case demands.

Verification of debt (VOD)
Assemble the verification package from LOS and core, generate the Reg F cover letter, and report the outcome — with the timeliness check gating the work.
Reg F§611Metro 2
Fraud / identity theft
Triangulate identity against vendor signals, suppress furnishing and apply the §605B block, and submit the AUD — with a human disposition on every decision.
§605Be-OSCARSAR / BSA
Oversight

AI does the work.
A human owns the decision.

Automation without a blind spot — every AI recommendation stops at an explicit human sign-off.

AI
AI does the legwork
Reads the dispute, extracts the claim, matches identity to your system of record, runs the investigation and recommends a disposition.
Human-in-the-loop
A human signs off
Every AI recommendation gates behind an explicit human decision with written notes. Nothing proceeds until a person owns it.
Audit
Everything is recorded
Every step — AI and human — writes an append-only audit row. The case is defensible in an exam, reproducible from the log alone.
Compliance

Compliant by design

The regulations aren't an afterthought — they're the shape of the workflow.

FCRA
§605B identity-theft blocks, §611 reinvestigation timelines, and §623 furnisher duties built into each case.
Metro 2
Correct furnishing, suppression and special-comment fields — so the tradeline reads right at every bureau.
e-OSCAR
ACDV intake and AUD responses handled within the regulatory clock, with the control numbers tracked.
Audit trail
Append-only, reproducible and exam-ready — every AI step and human sign-off captured on the case.

See a dispute worked on your data.

Click straight into the live product — or talk to us about a walk-through with your dispute queue in the room.

Live Demo Contact Us