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The Batch Interface is an exciting product offering that allows Data Furnishers with large volumes of Automated Consumer Dispute Verification (ACDV) requests to receive a batch file in an XML format. Once the file is delivered, each Data Furnisher can further automate the development of responses to ACDVs. The development effort by the Data Furnisher to achieve the benefits of the Batch Interface, will vary depending on the Data Furnishers internal business and compliance requirements. For example, one Data Furnisher may choose to auto-populate the response fields automatically for staff review prior to submission. This business plan would save your staff the time and potential errors of data entry. Another Data Furnisher may elect to automate only certain response types. For example, A Data Furnisher might only automate "delete" responses and require that staff review responses on all other disputes.

The Batch Interface uses the Connect:Direct software package and Virtual Private Networks (VPNS) to provide maximum data integrity for the file transfers. Each DF that is to use the Batch Interface must be able to communicate with the e-OSCAR data center using Connect:Direct. The Connect:Direct software at the DF facility must be configured to enable the agreed disposition of files on receipt and the agreed action to be taken on completion of the file transfer.

• THE BATCH INTERFACE WILL GIVE YOU AN OPPORTUNITY TO AUTOMATE RESPONSES TO CONSUMER DISPUTE VERIFICATIONS AND WILL OFFER YOUR COMPANY THE OPTIONS TO:

• Automate to whatever degree that satisfies your company's business and compliance requirements.
• Improve the level of service that you are providing to your customer.
• Improve the quality of your responses.

Please note: The Batch Interface is not an alternative to the regular activity reporting process. e-OSCAR may not be used to add or create a record on a consumer's file or as substitute for "in-cycle" reporting to the credit bureaus. The Batch Interface is a means for Data Furnishers to respond to ACDV requests and to develop in-house automation of some or part of their responses to the Credit Reporting Agencies and is not available for the submission of AUDs.

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