Disputes · Credit Unions

Credit-bureau disputes,
worked end to end.

Hughes clears every dispute from intake to resolution — investigated by AI, signed off by a human on every decision, and audited throughout. The §605B, Metro 2 and e-OSCAR detail is handled underneath, so your team owns the call, not the paperwork.

Request early access Live Demo

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.

Intake

AI reads the dispute, extracts the claim, and matches the filer to your system of record.

Triangulate & decide

AI investigates with vendor signals, weighs the evidence, and recommends a disposition — for a human to approve.

Suppress & block

On confirmed fraud, furnishing is suppressed and the §605B block applied — running in parallel with the investigation.

Outcome finalized and reported via Metro 2 / e-OSCAR AUD, with the full audit trail attached.

See how it works — the engine behind it

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 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.

See a dispute worked on your data.

Join the early-access program for a walk-through with your dispute queue in the room — or click straight into the live demo.