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    Collection Agency

    Metro 2 Integration for Simplicity Collection

    Simplicity Collection Software is a cloud-based, SSAE16-compliant collection platform designed for small to mid-size collection agencies. It does not include native Metro 2 credit bureau reporting. BureauRelay connects to Simplicity's Web Services API (REST, API key authentication, base URL at app.simplicitycollect.com/api) to pull debtor records, account data, and payment history — then generates CDIA-compliant Metro 2 files with K1 segments for original creditor tracking and submits to Equifax, Experian, and TransUnion via SFTP.

    How It Works

    BureauRelay authenticates to Simplicity Collection's REST API using an API key. Debtor records, account data, and payment history are pulled from app.simplicitycollect.com/api. BureauRelay maps Simplicity's account statuses to Metro 2 status codes, generates K1 segments for original creditor tracking, validates all fields against CDIA rules, and submits Metro 2 files to Equifax, Experian, and TransUnion via SFTP.

    Simplicity Collection logoSimplicity Collection
    BureauRelayBureauRelay
    Credit Bureaus

    Benefits

    Cloud-Based API Integration

    Simplicity Collection is fully cloud-based with a REST API at app.simplicitycollect.com/api — no on-premise infrastructure or VPN required for BureauRelay to connect.

    SSAE16 Compliant Platform

    Simplicity meets SSAE16 (SOC 1) compliance standards for data security and operational controls — your debtor data is handled securely.

    Small Agency Friendly

    Designed for small to mid-size collection agencies. BureauRelay adds credit bureau reporting without requiring enterprise-level infrastructure or budget.

    API Key Authentication

    Simple API key-based authentication makes setup fast. No OAuth flows or complex token management required.

    FDCPA and FCRA Compliance

    BureauRelay enforces FDCPA validation periods, FCRA dispute timelines, and medical debt waiting periods automatically.

    Dispute Workflow

    Integrated dispute management and tracking with full audit trails for FCRA compliance.

    Data Fields That Sync

    BureauRelay maps these fields from Simplicity Collection to Metro 2 format automatically.

    • Debtor demographics from Simplicity's contact management
    • Account data including original creditor, placement date, and principal amount
    • Current balance and payment history
    • Account status from Simplicity's workflow engine
    • Dispute records and resolution status
    • Settlement terms and amounts
    • Original creditor data for K1 segment generation

    Get Set Up in 5 Steps

    1

    Generate Simplicity API Key

    Create an API key in Simplicity Collection's settings panel. The REST API uses API key-based authentication.

    2

    Connect to BureauRelay

    Enter your Simplicity API key in BureauRelay. We'll connect to app.simplicitycollect.com/api and verify access to your account data.

    3

    Map Collection Statuses

    Configure how Simplicity's account statuses translate to Metro 2 status codes (e.g., active collection, paid, settled, disputed).

    4

    Configure K1 Segments

    Set up original creditor mappings for accurate K1 segment generation on each collection account.

    5

    Test and Launch

    Generate a test Metro 2 file, validate against CDIA rules, and enable production reporting to credit bureaus.

    Frequently Asked Questions

    Does Simplicity Collection include credit bureau reporting?

    No. Simplicity Collection Software does not include native Metro 2 credit bureau reporting. BureauRelay adds this capability via API integration — connecting to Simplicity's REST API, generating CDIA-compliant Metro 2 files, and submitting to all three bureaus.

    How many accounts can I report?

    There's no limit. BureauRelay handles portfolios of any size, from a few hundred accounts to tens of thousands.

    Is my data secure?

    Yes. Simplicity Collection is SSAE16 (SOC 1) compliant, and BureauRelay uses encrypted API connections and SFTP for all data transfers and bureau submissions.

    What about medical collections?

    Medical collection accounts are held for the required waiting period before reporting, in compliance with FCRA rules and the National Consumer Assistance Plan (NCAP).

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    Ready to Connect Simplicity Collection?

    Start reporting to credit bureaus from Simplicity Collection today. Our team will help you get set up quickly.