Metro 2 compliance is a set of guidelines established by the Consumer Data Industry Association (CDIA) for reporting credit data to credit reporting agencies (CRAs). These guidelines are designed to ensure accuracy, completeness, and consistency in credit reporting.

To comply with Metro 2 guidelines, creditors, lenders, and other data furnishers must follow specific procedures for reporting consumer credit data to CRAs. These procedures include:

1. Identifying the consumer: The data furnisher must accurately identify the consumer by matching the consumer's name, Social Security number, and date of birth.

2. Reporting account information: The data furnisher must report accurate and complete information about the consumer's credit accounts, including the account number, type of account, credit limit, balance, and payment history.

3. Reporting delinquent accounts: The data furnisher must report delinquent accounts in a timely manner, following specific guidelines for reporting the length of delinquency and the status of the account.

4. Disputing inaccurate information: The data furnisher must follow specific procedures for investigating and correcting inaccurate information that is disputed by the consumer.

5. Maintaining records: The data furnisher must maintain accurate records of all credit data reported to CRAs, including documentation of disputes and corrections.

Non-compliance with Metro 2 guidelines can result in penalties and legal action, as well as damage to the data furnisher's reputation and relationship with CRAs. Therefore, it is essential for data furnishers to have a comprehensive understanding of Metro 2 guidelines and to follow them consistently.

As a Metro 2 compliance expert, an individual has extensive knowledge of the guidelines and procedures for reporting credit data to CRAs. They work with creditors, lenders, and other data furnishers to ensure that their credit reporting practices comply with Metro 2 guidelines and are accurate, complete, and consistent.

They also provide training and support to data furnishers to help them maintain compliance with Metro 2 guidelines, including developing policies and procedures, implementing quality control measures, and conducting audits to identify and correct errors and omissions in credit reporting.

Their expertise in Metro 2 compliance is essential for ensuring that credit data is reported accurately and fairly, protecting the rights of consumers and supporting the overall integrity of the credit reporting system.