API Reference›Servicing Workspace›Credit reporting›Record a credit reporting dispute

Record a credit reporting dispute

POSThttps://sandbox.api.lendeasy.ai/v1/servicing/credit-reporting/disputesImplementedBearer token ·MANAGE_SERVICING_CREDIT_DISPUTE

Records a dispute against furnished data and derives its response deadline server-side, refusing any unrecognised request field.

Request

curl -X POST https://sandbox.api.lendeasy.ai/v1/servicing/credit-reporting/disputes \
  -H "Authorization: Bearer $TOKEN" \
  -H "LendEasy-Tenant: $TENANT" \
  -H "Idempotency-Key: $IDEMPOTENCY_KEY" \
  -H "Content-Type: application/json" \
  -d '{
  "caseId": 20455,
  "loanRef": "10231",
  "accountId": 4412,
  "source": "DIRECT",
  "bureau": "EQUIFAX",
  "controlNumber": "EFX-2026-0093117",
  "disputedFields": "Account status; balance",
  "receivedAt": "2026-09-03T14: 22:31Z"
}'

await fetch(`https://sandbox.api.lendeasy.ai/v1/servicing/credit-reporting/disputes`, {
  method: "POST",
  headers: { Authorization: `Bearer ${token}`, "LendEasy-Tenant": tenant, "Idempotency-Key": idempotencyKey, "Content-Type": "application/json" },
  body: JSON.stringify({
  "caseId": 20455,
  "loanRef": "10231",
  "accountId": 4412,
  "source": "DIRECT",
  "bureau": "EQUIFAX",
  "controlNumber": "EFX-2026-0093117",
  "disputedFields": "Account status; balance",
  "receivedAt": "2026-09-03T14: 22:31Z"
}),
});

requests.post(
  f"https://sandbox.api.lendeasy.ai/v1/servicing/credit-reporting/disputes",
  headers={"Authorization": f"Bearer {token}", "LendEasy-Tenant": tenant, "Idempotency-Key": idempotency_key},
  json={
  "caseId": 20455,
  "loanRef": "10231",
  "accountId": 4412,
  "source": "DIRECT",
  "bureau": "EQUIFAX",
  "controlNumber": "EFX-2026-0093117",
  "disputedFields": "Account status; balance",
  "receivedAt": "2026-09-03T14: 22:31Z"
},
)

{
  "resourceId": 771,
  "changes": {
    "outcome": "recorded"
  }
}

{
  "developerMessage": "Request was understood but rejected; inspect errors for field-level causes.",
  "httpStatusCode": "400",
  "defaultUserMessage": "The request could not be applied.",
  "userMessageGlobalisationCode": "validation.msg.validation.errors.exist",
  "errors": []
}

{
  "developerMessage": "Request was understood but rejected; inspect errors for field-level causes.",
  "httpStatusCode": "401",
  "defaultUserMessage": "The request could not be applied.",
  "userMessageGlobalisationCode": "error.msg.not.authenticated",
  "errors": []
}

{
  "developerMessage": "Request was understood but rejected; inspect errors for field-level causes.",
  "httpStatusCode": "403",
  "defaultUserMessage": "The request could not be applied.",
  "userMessageGlobalisationCode": "error.msg.not.authorized",
  "errors": []
}

{
  "developerMessage": "Request was understood but rejected; inspect errors for field-level causes.",
  "httpStatusCode": "404",
  "defaultUserMessage": "The request could not be applied.",
  "userMessageGlobalisationCode": "error.msg.resource.not.found",
  "errors": []
}

{
  "developerMessage": "Request was understood but rejected; inspect errors for field-level causes.",
  "httpStatusCode": "409",
  "defaultUserMessage": "The request could not be applied.",
  "userMessageGlobalisationCode": "idempotency.request.in.flight",
  "errors": []
}

Path & query parameters

Field	Type	Description
LendEasy-Tenant required in header	string	Opaque active LendEasy tenant-registry identifier. Supply exactly one instance; no alternate tenant selector is accepted.
Idempotency-Key optional in header	string	Optional replay key for this logical mutation. Omission creates a fresh server-owned key for this attempt; blank, repeated, or longer-than-50-character values are rejected.

Body parameters

Field	Type	Description
caseId optional	integer	Stable opaque servicing case identifier.
loanRef optional	string
accountId optional	integer
source required	string	System or actor that originated the record.
bureau optional	string
controlNumber optional	string
disputedFields optional	string
receivedAt optional	string

Request

curl -X POST https://sandbox.api.lendeasy.ai/v1/servicing/credit-reporting/disputes \
  -H "Authorization: Bearer $TOKEN" \
  -H "LendEasy-Tenant: $TENANT" \
  -H "Idempotency-Key: $IDEMPOTENCY_KEY" \
  -H "Content-Type: application/json" \
  -d '{
  "caseId": 20455,
  "loanRef": "10231",
  "accountId": 4412,
  "source": "DIRECT",
  "bureau": "EQUIFAX",
  "controlNumber": "EFX-2026-0093117",
  "disputedFields": "Account status; balance",
  "receivedAt": "2026-09-03T14: 22:31Z"
}'

await fetch(`https://sandbox.api.lendeasy.ai/v1/servicing/credit-reporting/disputes`, {
  method: "POST",
  headers: { Authorization: `Bearer ${token}`, "LendEasy-Tenant": tenant, "Idempotency-Key": idempotencyKey, "Content-Type": "application/json" },
  body: JSON.stringify({
  "caseId": 20455,
  "loanRef": "10231",
  "accountId": 4412,
  "source": "DIRECT",
  "bureau": "EQUIFAX",
  "controlNumber": "EFX-2026-0093117",
  "disputedFields": "Account status; balance",
  "receivedAt": "2026-09-03T14: 22:31Z"
}),
});

requests.post(
  f"https://sandbox.api.lendeasy.ai/v1/servicing/credit-reporting/disputes",
  headers={"Authorization": f"Bearer {token}", "LendEasy-Tenant": tenant, "Idempotency-Key": idempotency_key},
  json={
  "caseId": 20455,
  "loanRef": "10231",
  "accountId": 4412,
  "source": "DIRECT",
  "bureau": "EQUIFAX",
  "controlNumber": "EFX-2026-0093117",
  "disputedFields": "Account status; balance",
  "receivedAt": "2026-09-03T14: 22:31Z"
},
)

{
  "resourceId": 771,
  "changes": {
    "outcome": "recorded"
  }
}

{
  "developerMessage": "Request was understood but rejected; inspect errors for field-level causes.",
  "httpStatusCode": "400",
  "defaultUserMessage": "The request could not be applied.",
  "userMessageGlobalisationCode": "validation.msg.validation.errors.exist",
  "errors": []
}

{
  "developerMessage": "Request was understood but rejected; inspect errors for field-level causes.",
  "httpStatusCode": "401",
  "defaultUserMessage": "The request could not be applied.",
  "userMessageGlobalisationCode": "error.msg.not.authenticated",
  "errors": []
}

{
  "developerMessage": "Request was understood but rejected; inspect errors for field-level causes.",
  "httpStatusCode": "403",
  "defaultUserMessage": "The request could not be applied.",
  "userMessageGlobalisationCode": "error.msg.not.authorized",
  "errors": []
}

{
  "developerMessage": "Request was understood but rejected; inspect errors for field-level causes.",
  "httpStatusCode": "404",
  "defaultUserMessage": "The request could not be applied.",
  "userMessageGlobalisationCode": "error.msg.resource.not.found",
  "errors": []
}

{
  "developerMessage": "Request was understood but rejected; inspect errors for field-level causes.",
  "httpStatusCode": "409",
  "defaultUserMessage": "The request could not be applied.",
  "userMessageGlobalisationCode": "idempotency.request.in.flight",
  "errors": []
}