Metro 2 Consumer Information Indicator E: Bankruptcy Chapter 7

Specification

Code	E
Meaning	Bankruptcy Chapter 7 - Discharged
Field	Consumer Information Indicator (Field 33)
Record	Base Segment
Length / position	2 chars · 217–218
Category	Bankruptcy Discharged
CRRG reference	CRRG Exhibit 11 (Consumer Information Indicator)

Discharge is a court outcome, not a payment. The debt was legally extinguished as to the consumer, and the tradeline records that fact.
Per the source appendix, the account survives but is tagged. E is not a deletion instruction and must not be used as one.
E replaces A on the record. Reporting both at once is impossible in a two-byte field, and leaving A in place after discharge misstates a resolved case as pending.
It does not mean the balance was paid. A discharged Chapter 7 balance is reported as zero because it is no longer collectible from the consumer, not because money changed hands.
If the consumer reaffirmed this specific debt, the account is not discharged as to that debt and R is the accurate condition.

1A card issuer receives the discharge order on a $4,200 unsecured balance, moves the CII from A to E, and reports a zero balance.
2A credit union closes out a signature loan after Chapter 7 discharge and stops reporting a past-due amount.
3A debt buyer holding a purchased receivable receives notice of discharge and updates the tradeline rather than continuing to report a collectible balance.
4A retailer's servicing platform receives the discharge and adjusts the account to a zero-balance closed condition in the same file that carries E.

Report E in the cycle you learn of the discharge, and zero the Current Balance and Amount Past Due in the same record.
Do not keep reporting a collectible balance on a discharged debt. That is the most consequential error in this category.
Do not delete the tradeline. E tags it; deletion is a different instruction entirely and is not what discharge calls for.
Do not move the Date of First Delinquency at discharge. It stays frozen where the petition froze it.
If the case was dismissed rather than discharged, E is wrong. A dismissal is not a discharge, and a dismissed case has no code in this set.

A file can be structurally valid and still be wrong. These are the cross-field conditions Consumer Information Indicator E has to satisfy.

Current Balance and Amount Past Due should be zero once the debt is discharged as to the consumer.
Account Status moves to a closed, zero-balance condition. Account Status 13 (Paid/Closed - Zero Balance) is the common landing spot, and the 61 through 65 statuses all require a zero balance and zero past due as well.
Date of First Delinquency remains frozen at its pre-petition value.
Date Closed is populated when the account is actually closed on your books.
On a joint account, only the discharged consumer's segment carries E. A non-filing co-obligor may still owe the debt in full and that segment's reporting is unaffected.