Metro 2 Consumer Information Indicator S: Delete Previously Reported Reaffirmation or Lease Assumption Indicator

Specification

Code	S
Meaning	Delete Previously Reported Reaffirmation or Lease Assumption Indicator
Field	Consumer Information Indicator (Field 33)
Record	Base Segment
Length / position	2 chars · 217–218
Category	Removal
CRRG reference	CRRG Exhibit 11 (Consumer Information Indicator)

The counterpart to Q, scoped to a different family of codes. S removes R, V and 2A; Q removes the bankruptcy codes A through H and the receivership code 1A.
It removes the indicator, not the account. The tradeline, its balance, its status and its history all remain.
Blanking the field is not the documented removal path. A dedicated deletion code exists precisely because a blank is not a retraction.
Use it when the flag should never have been there: a reaffirmation that was never actually executed, a lease assumption that fell through, or a mapping error.
It is not the code for a normal transition. A reaffirmation that gets rescinded is reported with V, not deleted with S.
A furnisher migrating off the retired W, X and Y reaffirmation codes may need S to clear flags that a legacy mapping produced incorrectly, alongside correcting the mapping itself.

1A lender finds that a proposed reaffirmation agreement was never filed with the court, and clears the R it had already reported.
2A lessor's pending lease assumption fails credit review after 2A was reported, so the flag is cleared and the original lessee resumes reporting.
3A servicer discovers a batch process applied reaffirmation flags to accounts in cases where no reaffirmation existed.
4A furnisher decommissioning a pre-2021 mapping table clears flags it produced in error while switching its output to the current codes.

Send S only to retract an indicator that was wrong. Use V, not S, when a real reaffirmation is rescinded.
Send it once; there is nothing further to remove in later cycles.
After clearing a 2A that should not have been reported, restore the consumer's real balance, past-due amount, and Account Status in the same file.
Do not use S to clear a bankruptcy or receivership indicator. That is Q's job, and sending the wrong deletion code leaves the tag in place.
Do not confuse S with the Account Status deletion codes, which remove the tradeline itself.

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

Clears R, V and 2A only. It has no effect on A through H or 1A.
Does not delete the tradeline. Tradeline deletion is expressed through the Account Status deletion codes (DA and DF).
Where a 2A is being retracted, Current Balance, Amount Past Due, Date Closed and Account Status all need to be restored to the true ongoing values in the same record.
Does not change the Date of First Delinquency.
Applies to the consumer named on the segment it is reported in, so clearing a Base Segment flag leaves a J1 or J2 flag untouched.