Method and system for correcting errors in consumer reporting

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United States of America Patent

PATENT NO 11893634
SERIAL NO

17546448

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ATTORNEY / AGENT: (SPONSORED)

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Abstract

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A method and system may detect and correct errors in consumer reporting. A secure data file such as a Metro 2® formatted file may be obtained for a consumer that includes the consumer's credit information. A consumer reporting server may generate a non-sensitive private information (non-SPI) consumer identifier that references non-SPI consumer credit information included in the Metro 2® formatted file. Then a member of the organization may access the non-SPI consumer credit information to review the non-SPI consumer credit information and detect and correct errors. Errors may be detected by training a machine learning model using a first set of non-sensitive private information (non-SPI) consumer credit information from statements including errors and a second set of non-SPI consumer credit information from statements that do not include errors. The non-SPI consumer credit information for the consumer may be applied to the model to identify errors.

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Patent Owner(s)

Patent OwnerAddress
STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANYONE STATE FARM PLAZA A-3 BLOOMINGTON IL 61710

International Classification(s)

Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Dunn, James J Normal, US 11 184
McWain, Arthur Bloomington, US 2 1

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