Base Segment ErrorsWarning

    B020Invalid State Code

    The consumer State Code is not a valid USPS abbreviation

    Affected Field
    #41State Code

    Description

    The State Code must be a valid two-character USPS state or territory abbreviation in uppercase. Invalid or lowercase values impair the bureau's ability to match the address to the consumer file.

    Common Causes

    • Full state name instead of the two-letter code
    • Lowercase state code
    • Typos such as transposed letters

    How to Fix

    1. 1Validate against the USPS state/territory list
    2. 2Uppercase and trim to exactly two characters
    3. 3Reject or correct records with unknown state codes before submission

    Examples

    Invalid
    Tex
    Valid
    TX
    Use the two-character USPS abbreviation, uppercase

    More Base Segment Errors

    B001
    Missing Account Number
    B002
    Invalid Account Status
    B003
    Status and Payment Rating Mismatch
    B004
    Invalid ECOA Code
    B005
    Missing SSN or Date of Birth
    B006
    Invalid Date Format

    Metro 2 code reference

    A rejected value is usually a wrong code rather than a wrong format. Every CRRG code set has a per-code page with its meaning and cross-field rules. Metro 2 codes: the complete cheat sheet puts all of them on one page.

    Account Status CodesPortfolio TypesAccount Type CodesTerms Frequency CodesPayment RatingsPayment History Profile CodesSpecial Comment CodesCompliance Condition CodesECOA CodesConsumer Information IndicatorsCreditor Classification CodesResidence Codes

    Catch Errors Before Submission

    The platform validates every field and catches errors like B020 before you submit to the credit bureaus.

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    B020: Invalid State Code - Metro 2 Error