E2 Distributors
Credit Reporting Policy
How E2 Distributors may furnish account information and handle updates, corrections, disputes, and identity-theft-related information.
1. Purpose of This Policy
This Credit Reporting Policy explains how E2 Distributors may handle account information when furnishing information to consumer reporting agencies.
This page is intended to provide consumer-facing information about account reporting, payment history, dispute handling, corrections, updates, and identity-theft-related concerns.
2. Information We May Furnish
- Your name and account-identifying information.
- Account opening date, account status, and current account standing.
- Payment history, including scheduled payments, received payments, missed payments, late payments, returned payments, or default status.
- Balance information, account updates, corrections, and status changes.
- Dispute status when you dispute the completeness or accuracy of information.
- Delinquency-related dates where required or appropriate.
- Fraud, identity theft, cancellation, refund, or account correction information where applicable.
3. Accuracy and Integrity
E2 Distributors intends to furnish information that is complete and accurate based on available account records.
If E2 Distributors determines that information previously furnished is incomplete or inaccurate, E2 Distributors may update, correct, modify, delete, or block the information as appropriate and as required by law.
Consumers are encouraged to contact E2 Distributors promptly if they believe furnished account information is inaccurate or incomplete.
4. Disputed Information
If you dispute information directly with E2 Distributors, you should identify the specific information you dispute, explain why you believe it is incomplete or inaccurate, and include supporting documentation.
If you dispute information through a consumer reporting agency, E2 Distributors may receive the dispute from the agency and investigate based on the information provided.
When information is disputed by a consumer, E2 Distributors may report the information as disputed where required or appropriate.
5. Corrections and Updates
If an investigation determines that information is inaccurate, incomplete, unverifiable, or should no longer be furnished, E2 Distributors may notify the appropriate consumer reporting agencies and provide corrected information.
Corrections may include updating payment status, account status, dispute status, identity-theft status, balance information, or other account-level details.
6. Identity Theft
If E2 Distributors receives a valid identity theft report relating to information maintained or furnished about you, E2 Distributors will review the report and take appropriate steps as required by law.
Where required, E2 Distributors will avoid furnishing information that resulted from identity theft unless it later knows or is informed that the information is correct.
7. Not a Credit Repair Company
E2 Distributors is not a credit repair company and does not promise to repair, improve, or alter any consumer credit score or consumer report.
Any credit reporting related to your account is account servicing or payment-history reporting, not a credit repair service.
Accurate negative information may remain on a consumer report unless it is outdated, unverifiable, incomplete, inaccurate, or otherwise required to be removed by law.
8. Metro 2 Reporting
Metro 2 is a standardized credit reporting format used by data furnishers and consumer reporting agencies.
E2 Distributors intends to use reasonable procedures to support accurate account coding, payment status reporting, dispute indicators, account status updates, and correction files when applicable.
Metro 2 formatting does not replace E2 Distributors' obligations under federal and state credit reporting laws.
9. Contact
Email: info@e2distributors.com Phone: (800) 309-0317
Phone: (800) 309-0317
Include your name, account information, contact information, the specific reporting item at issue, your explanation, and copies of supporting documents.